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Sep 30, 2025
Glacier Q3 2025 Earnings Report
Glacier Bancorp reported a strong Q3 2025 performance with increased net income, higher EPS, and continued loan growth.
Key Takeaways
Glacier Bancorp delivered solid Q3 results with a notable rise in net income and EPS, supported by loan growth and margin expansion. The company also completed a key acquisition during the quarter.
Net income rose to $67.9 million, reflecting strong loan portfolio performance.
EPS increased to $0.57 from $0.45 in the previous year and prior quarter.
Net interest margin expanded to 3.39% due to higher loan yields and lower funding costs.
The acquisition of Bank of Idaho was integrated, and Guaranty Bank was acquired post-quarter end.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The company expects continued loan growth and margin improvement, supported by recent acquisitions and a favorable funding environment.
Positive Outlook
- Net interest margin likely to benefit from loan mix shift toward higher yields.
- Recent acquisition of Guaranty Bank expands market presence into Texas.
- Deposit base remains strong with growth in non-interest bearing deposits.
- Efficiency ratio improvement suggests operating leverage gains.
- Strong capital position enables further growth and dividend stability.
Challenges Ahead
- Non-performing assets increased from prior year levels.
- Credit loss provisions elevated due to acquisition activity.
- Higher tax rate compared to previous quarters.
- Integration risks remain from multiple acquisitions.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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