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Jun 30
Glacier Q2 2025 Earnings Report
Glacier Bancorp posted higher Q2 2025 earnings, stronger net interest margin, and improved efficiency ratio.
Key Takeaways
Glacier Bancorp reported $52.8 million in net income and a 3.21% net interest margin for Q2 2025, supported by loan growth and stable deposit costs. The efficiency ratio improved to 62.08% as the company completed the Bank of Idaho acquisition and announced the Guaranty Bancshares deal.
Net income reached $52.8 million with EPS of $0.45
Net interest margin improved to 3.21%
Efficiency ratio dropped to 62.08% from 67.97% YoY
Loan-to-deposit ratio rose to 85.91%
Glacier
Glacier
Glacier Revenue by Segment
Glacier Revenue by Geographic Location
Revenue by Segment
Net Interest Income Revenue
CapyFin.comNon-Interest Income Revenue
CapyFin.comRevenue by Geographic Location
United States Revenue
CapyFin.com Forward Guidance
Glacier Bancorp expects stable margins and continued loan growth, focusing on integrating recent acquisitions while managing credit quality.
Positive Outlook
- Strong loan growth and higher yields driving NIM
- Efficient cost management improving profitability
- Bank of Idaho integration on track
- Guaranty Bancshares acquisition to expand into Texas
- Improved tangible book value per share at $19.79
Challenges Ahead
- Higher non-performing assets compared to prior year
- Credit loss provisions increased due to acquisition impacts
- Efficiency ratio remains above long-term target
- Deposit competition remains strong
- Regulatory approvals pending for Guaranty Bancshares deal