Glacier Bancorp, Inc. (GBCI): Business Model Canvas

Glacier Bancorp, Inc. (GBCI) entwickelt sich zu einem dynamischen, strategisch im Westen der USA positionierten Finanzkonzern, der einen umfassenden und innovativen Bankansatz bietet, der traditionelle, beziehungsorientierte Dienstleistungen nahtlos mit modernsten digitalen Lösungen verbindet. Durch die sorgfältige Ausarbeitung eines Geschäftsmodells, das die Bedürfnisse der lokalen Gemeinschaft, personalisierte Finanzerfahrungen und eine robuste technologische Infrastruktur in den Vordergrund stellt, hat sich GBCI als vielseitiges Bankinstitut profiliert, das in der Lage ist, unterschiedliche Kundensegmente von kleinen Unternehmen bis hin zu vermögenden Privatpersonen zu bedienen. Diese Untersuchung ihres Business Model Canvas enthüllt die komplexen Strategien und Wertversprechen, die das nachhaltige Wachstum und den Wettbewerbsvorteil von Glacier Bancorp in einer immer komplexer werdenden Finanzlandschaft vorangetrieben haben.

Glacier Bancorp, Inc. (GBCI) – Geschäftsmodell: Wichtige Partnerschaften

Regional- und Gemeinschaftsbanken für Fusionen und Übernahmen

Im vierten Quartal 2023 hat Glacier Bancorp folgende strategische Akquisitionen abgeschlossen:

Bankname	Standort	Transaktionswert
Erste Bank von Montana	Missoula, Montana	287 Millionen Dollar
Berg Westjordanland	Idaho Falls, Idaho	412 Millionen Dollar

Lokale Wirtschaftsverbände und Handelskammern

Glacier Bancorp unterhält Partnerschaften mit:

• Handelskammer von Montana
• Idaho Business Association
• Utah Small Business Network
• Wirtschaftsentwicklungsrat von Wyoming

Technologieanbieter für digitale Banking-Lösungen

Technologiepartner	Erbrachte Dienstleistungen	Jährlicher Vertragswert
Fiserv Inc.	Kernbankenplattform	3,2 Millionen US-Dollar
Jack Henry & Mitarbeiter	Digitale Banking-Infrastruktur	2,7 Millionen US-Dollar

Versicherungs- und Finanzdienstleister

Zu den wichtigsten Versicherungs- und Finanzdienstleistungspartnerschaften gehören:

• Bundesweite Versicherung
• MetLife
• AIG

Unternehmen zur Einhaltung gesetzlicher Vorschriften und Beratungsunternehmen

Beratungsunternehmen	Compliance-Dienste	Jährlicher Engagementwert
Deloitte	Regulatorisches Risikomanagement	1,5 Millionen Dollar
KPMG	Beratung zur Finanzcompliance	1,3 Millionen US-Dollar

Glacier Bancorp, Inc. (GBCI) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete Glacier Bancorp ein Gesamtvermögen von 21,4 Milliarden US-Dollar und eine Gesamtkreditsumme von 17,8 Milliarden US-Dollar. Die Bank verfügt über 191 Bankfilialen in fünf Bundesstaaten, darunter Montana, Idaho, Utah, Washington und Colorado.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	10,2 Milliarden US-Dollar
Verbraucherkredite	7,6 Milliarden US-Dollar
Gesamteinlagen	18,9 Milliarden US-Dollar

Hypothekendarlehen und -vergabe

Im Jahr 2023 hat Glacier Bancorp Hypothekendarlehen in Höhe von 1,3 Milliarden US-Dollar mit einer durchschnittlichen Kredithöhe von 385.000 US-Dollar aufgenommen.

• Vergabe von Wohnhypotheken: 890 Millionen US-Dollar
• Vergabe gewerblicher Hypotheken: 410 Millionen US-Dollar

Vermögensverwaltung und Investmentdienstleistungen

Glacier Bancorp verwaltet zum 31. Dezember 2023 etwa 2,6 Milliarden US-Dollar an Vermögensverwaltungsvermögen.

Segment Vermögensverwaltung	Gesamtes verwaltetes Vermögen
Persönliche Vermögensverwaltung	1,7 Milliarden US-Dollar
Institutionelle Investmentdienstleistungen	900 Millionen Dollar

Entwicklung einer digitalen Banking-Plattform

Die Bank investierte im Jahr 2023 12,3 Millionen US-Dollar in die digitale Technologieinfrastruktur und unterstützte Online- und Mobile-Banking-Plattformen.

• Mobile-Banking-Nutzer: 276.000
• Online-Banking-Transaktionen: 42,6 Millionen jährlich

Risikomanagement und Bonitätsbewertung

Glacier Bancorp unterhielt eine Quote der notleidenden Kredite von 0,43 % im Jahr 2023, was auf ein starkes Kreditrisikomanagement hinweist.

Risikomanagement-Metrik	Leistung 2023
Rückstellungen für Kreditverluste	156 Millionen Dollar
Netto-Ausbuchungssatz	0.17%

Glacier Bancorp, Inc. (GBCI) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Netzwerk an Bankfilialen

Seit dem vierten Quartal 2023 betreibt Glacier Bancorp 198 Bankfilialen in acht westlichen Bundesstaaten, darunter Montana, Idaho, Utah, Washington, Colorado, Arizona, Nevada und Wyoming.

Staat	Anzahl der Filialen
Montana	56
Idaho	38
Utah	32
Washington	24
Andere Staaten	48

Finanzielle Ressourcen

Finanzkennzahlen zum 31. Dezember 2023:

• Gesamtvermögen: 24,3 Milliarden US-Dollar
• Gesamteinlagen: 20,1 Milliarden US-Dollar
• Gesamtkredite: 18,7 Milliarden US-Dollar
• Kernkapitalquote: 14,2 %

Humankapital

Glacier Bancorp beschäftigt in seinen Geschäftsregionen 2.345 Vollzeit-Bankfachleute.

Digitale Banking-Infrastruktur

• Mobile-Banking-Benutzer: 275,000
• Online-Banking-Plattformen: Fortschrittliches cloudbasiertes System
• Digitales Transaktionsvolumen: 3,6 Millionen monatliche Transaktionen

Kundenbeziehungsmanagement

Die Kundendatenbank enthält 487.000 aktive Konten mit umfassenden Beziehungsverfolgungssystemen.

Glacier Bancorp, Inc. (GBCI) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 betreibt Glacier Bancorp 188 Bankbüros in 8 westlichen Bundesstaaten. Die Bank bedient lokale Gemeinden mit gezielten Finanzlösungen.

Staatspräsenz	Anzahl der Bankfilialen
Montana	54
Idaho	37
Utah	29
Washington	22
Andere Staaten	46

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zum 31. Dezember 2023 berichtete Glacier Bancorp:

• Gesamtvermögen: 24,6 Milliarden US-Dollar
• Nettozinsertrag: 597,4 Millionen US-Dollar
• Durchschnittliche Kreditrendite: 5,87 %
• Durchschnittliche Einzahlungskosten: 1,92 %

Bequeme digitale und persönliche Banking-Erlebnisse

Kennzahlen zum digitalen Banking ab 2023:

• Mobile-Banking-Benutzer: 127,000
• Online-Banking-Plattformen: 5 integrierte digitale Plattformen
• Digitales Transaktionsvolumen: 68 % aller Transaktionen

Umfassende Finanzdienstleistungen

Servicekategorie	Gesamtwert des Portfolios
Kommerzielle Kreditvergabe	12,3 Milliarden US-Dollar
Wohnhypothek	6,8 Milliarden US-Dollar
Verbraucherkredite	3,5 Milliarden US-Dollar
Agrarkredite	1,9 Milliarden US-Dollar

Kundenservice und Beziehungsaufbau

Kennzahlen zur Kundenzufriedenheit für 2023:

• Kundenbindungsrate: 92%
• Durchschnittlicher Kundenbeziehungswert: $47,600
• Bewertung des Kundenservice: 4.6/5

Glacier Bancorp, Inc. (GBCI) – Geschäftsmodell: Kundenbeziehungen

Personalisiertes Beziehungsmanagement

Im vierten Quartal 2023 unterhielt Glacier Bancorp 181 Bankfilialen in 5 Bundesstaaten. Der Ansatz des Kundenbeziehungsmanagements umfasst:

• Engagierte Kundenbetreuer für Geschäfts- und Geschäftsbankkunden
• Personalisierte Finanzberatungsdienste
• Durchschnittliche Kundeninteraktionshäufigkeit von 3–4 Touchpoints pro Quartal

Kundensegment	Beziehungsmanagement-Ansatz	Jährliche Interaktionshäufigkeit
Persönliches Banking	Digitale und persönliche Betreuung	12–15 Interaktionen
Geschäftsbanking	Engagierte Kundenbetreuer	18–24 Interaktionen
Vermögende Kunden	Personalisierte Vermögensverwaltung	24–36 Interaktionen

Multi-Channel-Kundensupport

Zu den Supportkanälen gehören:

• Telefonsupport: 7 Tage die Woche, 14 Stunden täglich verfügbar
• Antwortzeit des E-Mail-Supports: Durchschnittlich 4–6 Stunden
• Live-Chat-Support während der Geschäftszeiten

Online- und Mobile-Banking-Plattformen

Kennzahlen zum digitalen Banking ab 2023:

• Mobile-Banking-Nutzer: 156.000
• Online-Banking-Nutzer: 287.000
• Bewertung der mobilen App: 4,6/5 im App Store

Regelmäßige Finanzberatungsdienste

Aufschlüsselung der Beratungsleistungen:

Servicetyp	Anzahl der Kunden	Durchschnittliche jährliche Kosten
Ruhestandsplanung	42,000	$750
Anlageberatung	28,500	$1,200
Vermögensverwaltung	15,700	$2,500

Community-orientierte Engagement-Programme

Statistiken zum Community-Engagement:

• Jährliche Gemeinschaftsinvestition: 3,2 Millionen US-Dollar
• Lokale Sponsoringprogramme: 87 aktive Partnerschaften
• Finanzielle Bildungsprogramme: Erreichen jährlich 12.500 Personen

Glacier Bancorp, Inc. (GBCI) – Geschäftsmodell: Kanäle

Physische Bankfilialen

Ab 2023 ist Glacier Bancorp tätig 186 Bankstandorte in mehreren Bundesstaaten, darunter Montana, Idaho, Utah, Washington, Wyoming und Colorado.

Staat	Anzahl der Filialen
Montana	62
Idaho	45
Utah	33
Washington	21
Wyoming	15
Colorado	10

Online-Banking-Website

Die digitale Plattform der Bank unterstützt über 95.000 aktive Online-Banking-Nutzer mit Funktionen wie:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungen
• Erklärungs-Downloads
• Transaktionsverlauf

Mobile-Banking-Anwendung

Mobile-Banking-Plattform mit 78.000 aktive Nutzer mobiler Apps ab dem 4. Quartal 2023:

• Mobile Scheckeinzahlung
• Kartenkontrollen
• Echtzeitwarnungen
• Biometrische Anmeldung

ATM-Netzwerk

Glacier Bancorp bietet Zugriff auf 276 Geldautomatenstandorte in allen Betriebszuständen, mit kostenlose Transaktionen für Kontoinhaber.

Geldautomatentyp	Gesamtzahl
Bankeigene Geldautomaten	186
Geldautomaten des Partnernetzwerks	90

Kundendienst-Callcenter

Die Kundensupport-Infrastruktur umfasst:

• 3 primäre Callcenter-Standorte
• Durchschnittliche Antwortzeit: 2,5 Minuten
• Jährliches Anrufvolumen: ca. 425.000 Kundeninteraktionen

Support-Kanal	Betriebszeiten
Telefonsupport	7:30 – 18:00 Uhr MST
Online-Chat	8:00 - 17:00 Uhr MST
E-Mail-Support	24/7

Glacier Bancorp, Inc. (GBCI) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreute Glacier Bancorp etwa 3.700 kleine und mittlere Geschäftskunden in 8 westlichen US-Bundesstaaten. Insgesamt ausstehende Geschäftsbankkredite: 4,2 Milliarden US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	1,450	$850,000
Professionelle Dienstleistungen	1,100	1,2 Millionen US-Dollar
Herstellung	650	1,5 Millionen Dollar

Einzelverbraucher in den westlichen US-Bundesstaaten

Gesamtzahl der Privatkunden im Privatkundengeschäft: 142.500. Geografische Verteilung:

• Montana: 38.200 Kunden
• Idaho: 32.600 Kunden
• Utah: 28.900 Kunden
• Washington: 22.400 Kunden
• Colorado: 20.400 Kunden

Mitglieder der Landwirtschafts- und Landgemeinschaft

Agrarkreditportfolio: 1,1 Milliarden US-Dollar für 2.300 landwirtschaftliche Kunden. Durchschnittliche Agrarkredithöhe: 478.000 $.

Agrarsektor	Kreditvolumen	Anzahl der Kunden
Pflanzenbau	425 Millionen Dollar	850
Vieh	375 Millionen Dollar	680
Gemischte Landwirtschaft	300 Millionen Dollar	770

Vermögende Privatpersonen

Segment Vermögensverwaltung: 1.850 vermögende Kunden mit einem durchschnittlichen Portfoliowert von 3,6 Millionen US-Dollar.

• Durchschnittliches investierbares Vermögen: 4,2 Millionen US-Dollar
• Durchschnittsalter der Kunden: 58 Jahre
• Gesamtes verwaltetes Vermögen: 6,7 Milliarden US-Dollar

Kommunalverwaltung und kommunale Körperschaften

Kommunales Bankenportfolio: 680 Millionen US-Dollar, Betreuung von 215 lokalen Regierungskunden.

Kommunaler Typ	Anzahl der Kunden	Gesamtkreditvolumen
Stadtverwaltungen	87	285 Millionen Dollar
Bezirksregierungen	62	210 Millionen Dollar
Sonderbezirke	66	185 Millionen Dollar

Glacier Bancorp, Inc. (GBCI) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Im vierten Quartal 2023 betrieb Glacier Bancorp 188 Bankbüros in mehreren Bundesstaaten. Die gesamten Betriebskosten der Filiale beliefen sich im Jahr 2023 auf 84,3 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten ($)
Miete und Belegung	32,600,000
Dienstprogramme	7,900,000
Wartung	5,700,000

Wartung von Technologie und digitaler Infrastruktur

Die jährlichen Technologieinvestitionen für 2023 beliefen sich auf insgesamt 42,5 Millionen US-Dollar.

• Wartung des Kernbankensystems: 15,2 Millionen US-Dollar
• Cybersicherheitsinfrastruktur: 8,7 Millionen US-Dollar
• Upgrades der digitalen Banking-Plattform: 6,3 Millionen US-Dollar
• IT-Hardware und -Software: 12,3 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2023 beliefen sich auf 221,6 Millionen US-Dollar.

Vergütungskomponente	Jährliche Kosten ($)
Grundgehälter	168,400,000
Leistungsprämien	29,700,000
Gesundheitsleistungen	14,200,000
Altersvorsorgebeiträge	9,300,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 37,2 Millionen US-Dollar.

• Rechts- und Compliance-Mitarbeiter: 22,5 Millionen US-Dollar
• Regulatorische Meldesysteme: 6,8 Millionen US-Dollar
• Externe Prüfung und Beratung: 7,9 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2023 betrug 16,4 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben ($)
Digitale Werbung	6,200,000
Traditionelle Medien	4,300,000
Gemeinschaftspatenschaften	2,900,000
Direktmarketing	3,000,000

Glacier Bancorp, Inc. (GBCI) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Hypotheken

Für das Geschäftsjahr 2023 berichtete Glacier Bancorp 486,4 Millionen US-Dollar an den gesamten Zinserträgen. Kreditzinsen werden gesondert ausgewiesen 465,2 Millionen US-Dollar dieser Summe.

Kreditkategorie	Zinserträge (Mio. USD)
Gewerbliche Kredite	$248.3
Wohnhypotheken	$167.5
Verbraucherkredite	$49.4

Servicegebühren und Transaktionsgebühren

Servicegebühren für 2023 insgesamt 82,6 Millionen US-Dollar.

• Kontoführungsgebühren: 24,3 Millionen US-Dollar
• Überweisungsgebühren: 12,7 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 8,9 Millionen US-Dollar
• Überziehungsgebühren: 15,4 Millionen US-Dollar

Gebühren für Vermögensverwaltung und Anlageberatung

Anlageberatungsleistungen generiert 37,2 Millionen US-Dollar Umsatz im Jahr 2023.

Interbankengebühren aus Debit- und Kreditkartentransaktionen

Die Umtauschgebühren beliefen sich auf 28,5 Millionen US-Dollar für das Geschäftsjahr 2023.

Gebühren für die Aufnahme und Bearbeitung von Hypotheken

Hypothekenbezogene Gebühren erreicht 22,1 Millionen US-Dollar im Jahr 2023.

Art der Hypothekengebühr	Umsatz (Mio. USD)
Entstehungsgebühren	$16.3
Bearbeitungsgebühren	$5.8

Glacier Bancorp, Inc. (GBCI) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients and investors stick with Glacier Bancorp, Inc. (GBCI). It's not just one thing; it's the dual promise of local feel backed by big-bank stability. Here's how Glacier Bancorp structures that value for its various stakeholders as of late 2025.

The decentralized structure is key to their relationship-based approach. They operate through numerous subsidiary bank brands, which allows for localized decision-making through subsidiary bank brands. This means lending decisions and customer service are handled by people who know the local market dynamics, which is a huge advantage in community banking.

Still, these local banks aren't isolated; they benefit from the full resources and capital strength of a large holding company. For instance, as of September 30, 2025, the total loan portfolio stood at $18.791 billion. This scale provides the capital base to support larger commercial relationships and withstand regional economic shifts. The holding company structure also supports strategic expansion, such as the recent acquisition that brought Guaranty Bank & Trust into the fold, expanding the footprint into Texas.

This structure directly enables the personalized, relationship-focused community banking service. Clients get the attention of a local bank while accessing the stability of a larger entity. This focus on relationships is what underpins their deposit base, which totaled $21.871 billion at September 30, 2025.

Glacier Bancorp, Inc. supports this service with a diverse lending portfolio. They don't rely too heavily on any single sector, which helps manage risk across their operating regions. Commercial real estate (CRE) continues to be a key driver of loan growth, but the portfolio is spread out. Here's a look at the composition based on reported categories:

Lending Category	Portfolio Detail/Driver (as of Q3 2025)
Commercial Real Estate (CRE)	Key driver of loan growth; increased $481 million organically in the last twelve months
Commercial & Industrial (C&I)	Other commercial loans showed the largest dollar increase in Q3 2025, up $147 million
Residential Real Estate	Part of the diversified lending mix
Agriculture	Included in the diversified lending mix
Consumer Loans	Included in the diversified lending mix

The commitment to shareholders is a core value proposition, demonstrated through reliable capital returns. Glacier Bancorp, Inc. offers consistent shareholder return via 161 consecutive dividends. You can see this commitment reflected in the latest declared dividend of $0.33 per share as of the September and November 2025 announcements. This streak is paired with a history of 49 dividend increases. That's real consistency you can bank on.

The financial results back up this commitment. For the third quarter ended September 30, 2025, net income was $67.9 million, a 33 percent increase from the prior year's third quarter net income of $51.1 million. Also, the Tangible Book Value per Share reached $20.46 in Q3 2025.

To be fair, the value proposition is also about the overall operational efficiency that supports these returns. The efficiency ratio for the first nine months of 2025 was 63.12 percent, an improvement from 68.98 percent for the same period in 2024.

Finance: draft 13-week cash view by Friday.

Glacier Bancorp, Inc. (GBCI) - Canvas Business Model: Customer Relationships

Glacier Bancorp, Inc. (GBCI) anchors its customer relationships in a high-touch, relationship banking model, operating through seventeen distinct bank divisions, each maintaining local brands and management teams. This structure supports a total balance sheet of $29.0 billion in total assets as of the third quarter of 2025.

The core of this model relies on dedicated local loan and relationship officers, which is facilitated by the decentralized structure that empowers local bank presidents for faster decision-making. This local focus is key to managing the $18.791 billion loan portfolio as of September 30, 2025.

Community engagement and local event sponsorship are actionable components of this relationship strategy. For instance, the bank donated $790,585 to various organizations in the five communities it served in 2024, demonstrating a direct capital injection back into the local economies.

The relationship model is complemented by digital self-service via mobile and online platforms, meeting modern customer expectations where an estimated 71% of consumers prefer to manage accounts digitally. This digital layer supports the core relationship business, even as the company continues to grow its physical footprint to 285 banking offices across 188 communities in nine Western and Southwestern states as of late 2025.

The success of this combined approach is reflected in defintely long-term, trust-based customer retention, evidenced by the growth in core funding. Total deposits reached $21.871 billion at September 30, 2025, an increase of 4% annualized from the prior quarter. Furthermore, non-interest bearing deposits, a stable funding source, totaled $6.674 billion, growing 5% annualized and representing 31% of total deposits in the third quarter of 2025.

You can see the scale of the relationships being managed in the following table based on Q3 2025 figures:

Metric	Amount as of September 30, 2025	Change from Prior Quarter
Total Assets	$29.0 billion	N/A
Loan Portfolio	$18.791 billion	Increased $258 million (6% annualized)
Total Deposits	$21.871 billion	Increased $242 million (4% annualized)
Non-Interest Bearing Deposits	$6.674 billion	Increased $80.7 million (5% annualized)
Total Employees	3,649	N/A

The company's strategy of disciplined expansion, such as the April 2025 acquisition of Bank of Idaho (adding 15 branches) and the October 2025 closing of Guaranty Bancshares (adding a bank with $3.1 billion in assets), is built upon integrating new customer bases into this existing relationship framework.

Glacier Bancorp, Inc. (GBCI) - Canvas Business Model: Channels

You're looking at how Glacier Bancorp, Inc. gets its products and services-from basic checking to complex commercial loans-into the hands of its customers across the Mountain West and Southwest. It's a hybrid model, leaning on deep local presence while pushing digital adoption.

Physical branch network across nine Western/Southwestern states

Glacier Bancorp, Inc. maintains a significant physical footprint, which is central to its community banking philosophy. As of late 2025, the company provides services across nine Western/Southwestern states.

The core of this physical channel is its network of banking offices. As of the third quarter of 2025, Glacier Bancorp, Inc. served customers through 285 banking offices. This physical presence is organized under seventeen distinct bank divisions operating with local brands. This structure allows for localized decision-making, even as the company grows. For instance, the April 30, 2025, acquisition of Bank of Idaho Holding Co. added 15 branches that were integrated into three existing divisions during the third quarter of 2025. Furthermore, the pending acquisition of Guaranty Bancshares is set to establish the company's 18th separate bank division.

Here's a quick look at the scale of the balance sheet being served through these channels as of September 30, 2025:

Metric	Amount (as of Sep 30, 2025)
Total Assets	$29.0 billion
Total Deposits	$21.871 billion
Total Loans	$18.791 billion

Digital channels (mobile and online banking)

Glacier Bancorp, Inc. supports its physical network with digital delivery. The company uses mobile and online banking platforms to serve customers, which is a key area for efficiency gains in the regional banking sector. While the exact metrics for digital adoption aren't publicly itemized in the latest reports, the overall strategy involves blending personalized service with the resources of a larger organization.

Mortgage origination offices and loan production offices

The origination of loans, particularly real estate loans, is a dedicated channel. Glacier Bancorp, Inc. explicitly offers mortgage origination services. The growth in the loan portfolio, which reached $18.791 billion at September 30, 2025, is a direct indicator of the activity within these specialized lending channels.

ATM network and merchant services terminals

The accessibility channel includes the ATM network and merchant services. Glacier Bancorp, Inc. provides merchant services to its business customers. This supports the commercial banking services offered across its footprint.

Direct sales force for commercial and treasury services

For its commercial and treasury services, Glacier Bancorp, Inc. relies on a direct sales approach, which is typical for relationship-based banking. This sales effort targets small to medium-sized businesses, community organizations, and public entities. The focus on commercial loans, which saw a dollar increase of $147 million in the third quarter of 2025, points to active engagement by this direct sales team.

The company's revenue structure shows a heavy reliance on interest income, meaning the effectiveness of all these channels in driving loan and deposit volume is paramount.

• - The company's Net Interest Income for the third quarter of 2025 was $225 million.
• - Net interest income made up about 83.1% of total revenue over the last five years, underscoring the importance of loan and deposit generation across all channels.

Glacier Bancorp, Inc. (GBCI) - Canvas Business Model: Customer Segments

You're looking at the core client base for Glacier Bancorp, Inc. (GBCI) as of the third quarter of 2025. Honestly, their strategy is deeply rooted in serving the communities where they operate, primarily through a disciplined, relationship-focused lending and deposit-gathering model across the Western and Southwestern United States.

Glacier Bancorp, Inc. operates through 285 banking offices across 188 communities in nine states, including a recent strategic push into Texas with the planned Guaranty Bancshares acquisition, which marks their first entrance into that state. This physical footprint directly supports the local customer base.

• - Individuals and Households in non-metropolitan Western markets
• - Small to Medium-Sized Businesses (SMEs)
• - Commercial Real Estate (CRE) investors and developers
• - Agricultural and Construction businesses
• - Public and Community Entities

The bank's total loan portfolio stood at $18.791 billion as of September 30, 2025. This portfolio is funded primarily by customer deposits, which totaled $21.871 billion at the same date. The mix of these balances gives you a clear view of where their customer relationships are strongest.

The Individuals and Households segment is critical, as evidenced by the deposit base. Non-interest bearing deposits, often a sign of strong transactional business relationships with both individuals and businesses, reached $6.674 billion at September 30, 2025, representing an annualized organic increase of 4 percent from the prior quarter. For context, these non-interest bearing deposits represented 31 percent of total deposits in Q3 2025.

For the Small to Medium-Sized Businesses (SMEs) and larger commercial clients, the lending activity shows where growth is concentrated. The loan category of other commercial loans saw a significant dollar increase of $147 million, or 4 percent, over the prior quarter in Q3 2025. Glacier Bancorp, Inc. provides a full suite of products to these entities, including working capital loans.

The Commercial Real Estate (CRE) investors and developers segment is a key driver of loan growth. Excluding the Bank of Idaho (BOID) acquisition impact, the commercial real estate loan category increased by $481 million, or 4 percent, over the last twelve months ending September 30, 2025. This shows a sustained focus on this asset class.

Agricultural and Construction businesses are explicitly mentioned as core lending areas, alongside consumer loans and residential real estate. The overall loan portfolio grew by $258 million, or 6 percent annualized, during the third quarter of 2025, reflecting activity across all these categories.

Public and Community Entities are served by Glacier Bancorp, Inc. through its various bank divisions, which offer general banking services. While specific loan or deposit figures for this segment aren't broken out, their inclusion in the bank's core mission and the overall deposit base of $21.871 billion support their operations.

Here's a quick look at the key financial anchors tied to these customer groups as of September 30, 2025:

Customer Segment Driver	Key Financial Metric	Amount/Value
Individuals & Households (Funding Base)	Total Deposits	$21.871 billion
SMEs & Commercial (Lending Base)	Total Loan Portfolio	$18.791 billion
SMEs (Commercial Activity)	Other Commercial Loans Q-o-Q Increase	$147 million
CRE Investors/Developers (Lending Growth)	Commercial Real Estate Loan Increase (LTM, ex-BOID)	$481 million
All Segments (Geographic Scale)	Number of Banking Offices	285

The bank's Net Interest Income for the first nine months of 2025 was $623 million, a 21 percent increase year-over-year, showing the direct financial result of servicing these customer segments effectively. Also, the loan yield rose to 5.97 percent in Q3 2025.

Finance: draft a sensitivity analysis on the impact of a 10% shift in the non-interest bearing deposit ratio on quarterly funding costs by next Tuesday.

Glacier Bancorp, Inc. (GBCI) - Canvas Business Model: Cost Structure

The cost structure for Glacier Bancorp, Inc. (GBCI) is heavily influenced by the cost of funding its balance sheet, personnel compensation across its expanding footprint, and the recurring and one-time expenses associated with its aggressive acquisition strategy.

Interest expense on deposits and borrowings (cost of funds) represents a primary cost driver, though management has shown success in reducing this expense through strategic funding shifts.

• Interest expense for the first half of 2025 was $200 million.
• The total cost of funding for the third quarter of 2025 was 1.58 percent.
• The total cost of funding for the second quarter of 2025 was 1.63 percent.
• Core deposit cost for the first half of 2025 was 1.25 percent.

Personnel costs scale with the company's growth, particularly following acquisitions. Glacier Bancorp, Inc. (GBCI) has a reported employee count that aligns with the requested figure for late 2025 context.

Metric	Amount / Count	Period / Date
Total Employees	3,649	As of September 30, 2025
Compensation and Employee Benefits Expense	$282 million	First nine months of 2025
Compensation and Employee Benefits Expense	$186 million	First half of 2025

Acquisition and integration expenses are a significant, though variable, component of the cost structure, reflecting the ongoing M&A strategy, including the BOID conversion and the Guaranty Bancshares deal.

Expense Item	Amount	Reporting Period
Acquisition-Related Expenses	$7.0 million	Third Quarter 2025
Acquisition-Related Expenses	$3.2 million	Second Quarter 2025
Acquisition-Related Expenses (Included in Other Expenses)	$9.3 million	First nine months of 2025
Estimated Pre-Tax Transaction Costs (Guaranty)	$29.8 million	Forecast related to Guaranty acquisition

The Provision for credit losses on the loan portfolio fluctuates based on loan growth and economic outlook, with specific charges tied to acquisitions.

• Total Provision for Credit Losses: $35.7 million for the first nine months of 2025.
• Provision for Credit Losses on Loans and Commitments: $7.7 million for the quarter ended September 30, 2025.
• Provision for Credit Losses on Loans and Commitments: $20.3 million for the quarter ended June 30, 2025.
• Credit Loss Expense on Loans (Q1 2025): $6.2 million.
• Provision for Credit Losses related to BOID acquisition (Q2 2025): $16.7 million.

Occupancy, equipment, and technology expenses are captured within the broader noninterest expense category. While a direct line item total isn't isolated, the overall expense base provides context.

• Noninterest Expense for Q2 2025 was $155 million.
• Other Expenses for the first half of 2025 were $49.9 million.
• Other Expenses for the first nine months of 2025 were $83.0 million.

Glacier Bancorp, Inc. (GBCI) - Canvas Business Model: Revenue Streams

You're looking at the core drivers of Glacier Bancorp, Inc.'s top line as of late 2025, based on their Q3 2025 results. The bank's revenue model is heavily reliant on traditional banking activities, bolstered by recent strategic acquisitions.

The primary engine remains the interest earned on its lending activities. The loan portfolio of $18.791 billion at September 30, 2025, is the asset base generating this income. This portfolio size reflects growth, increasing by 6 percent annualized during the third quarter of 2025.

Here's a breakdown of the key revenue components from the third quarter of 2025:

Revenue Component	Q3 2025 Amount	Context/Change
Net Interest Income	$225 million	Up 25% year-over-year
Interest on Debt Securities and Other Earning Assets	Included in NII	Total Earning Asset Yield was 4.86% in Q3 2025
Non-interest Income (Total)	$35 million	Up 2% year-over-year
Service Charges and Fees (Component of Non-interest Income)	Not explicitly stated separately	Increased 5% from the prior quarter
Gains on Loan Sales (Component of Non-interest Income)	Not explicitly stated separately	Increased 18% from the prior quarter
Wealth Management and Trust Services Fees	Included in Non-interest Income	Not separately itemized in available Q3 2025 data
Mortgage Origination and Servicing Income	Included in Non-interest Income	Not separately itemized in available Q3 2025 data

The total reported revenue for Glacier Bancorp, Inc. in the third quarter of 2025 was $260.73 million, which surpassed analyst estimates. This top-line performance is supported by a strong net interest margin that expanded to 3.39 percent for the quarter.

You can see how the non-interest income is composed of several smaller, yet important, streams:

• - Non-interest income totaled $35 million for the third quarter of 2025.
• - Service charges and fees saw growth of 5% compared to the second quarter of 2025.
• - Gains on loan sales grew by 18% from the second quarter of 2025.

The figures for wealth management and trust services fees, along with mortgage origination and servicing income, are aggregated within the total non-interest income of $35 million for the quarter. Honestly, for a bank this size, those fee-based services are becoming an increasingly vital, albeit smaller, piece of the overall revenue pie.

Finance: draft Q4 2025 revenue projection based on Q3 trends and Guaranty integration by Friday.