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Jun 30, 2025
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%
Revenue by Segment
Revenue by Geographic Location
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
Historical Earnings Impact
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Avg. Return Before/After Earnings
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