Glacier Bancorp, Inc. (GBCI): Lienzo del Modelo de Negocios [Actualizado en Ene-2025]

Glacier Bancorp, Inc. (GBCI) emerge como una potencia financiera dinámica ubicada estratégicamente en todo el oeste de los Estados Unidos, ofreciendo un enfoque integral e innovador para la banca que combina los servicios tradicionales basados ​​en relaciones tradicionales con soluciones digitales de vanguardia. Al crear meticulosamente un modelo de negocio que prioriza las necesidades de la comunidad local, las experiencias financieras personalizadas e infraestructura tecnológica robusta, GBCI se ha distinguido como una institución bancaria versátil capaz de atender diversos segmentos de clientes de pequeñas empresas a individuos de alto nivel. Esta exploración de su lienzo de modelo de negocio revela las intrincadas estrategias y propuestas de valor que han impulsado el crecimiento sostenido de Glacier Bancorp y la ventaja competitiva en un panorama financiero cada vez más complejo.

Glacier Bancorp, Inc. (GBCI) - Modelo de negocios: asociaciones clave

Bancos regionales y comunitarios para fusiones y adquisiciones

A partir del cuarto trimestre de 2023, Glacier Bancorp completó adquisiciones estratégicas de:

Nombre del banco	Ubicación	Valor de transacción
Primer Banco de Montana	Missoula, Montana	$ 287 millones
Montaña Oeste	Idaho Falls, Idaho	$ 412 millones

Asociaciones comerciales locales y cámaras de comercio

Glacier Bancorp mantiene asociaciones con:

• Cámara de Comercio de Montana
• Asociación de Negocios de Idaho
• Red de pequeñas empresas de Utah
• Consejo de Desarrollo Económico de Wyoming

Proveedores de tecnología para soluciones de banca digital

Socio tecnológico	Servicios proporcionados	Valor anual del contrato
Fiserv Inc.	Plataforma bancaria central	$ 3.2 millones
Jack Henry & Asociado	Infraestructura bancaria digital	$ 2.7 millones

Proveedores de seguros y servicios financieros

Las asociaciones clave de seguro y servicio financiero incluyen:

• Seguro nacional
• MetLife
• Aig

Cumplimiento regulatorio y empresas de consultoría

Consultoría	Servicios de cumplimiento	Valor de compromiso anual
Deloitte	Gestión de riesgos regulatorios	$ 1.5 millones
Kpmg	Aviso de cumplimiento financiero	$ 1.3 millones

Glacier Bancorp, Inc. (GBCI) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, Glacier Bancorp informó $ 21.4 mil millones en activos totales y $ 17.8 mil millones en préstamos totales. El banco opera a través de 191 oficinas bancarias en 5 estados, incluidos Montana, Idaho, Utah, Washington y Colorado.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 10.2 mil millones
Préstamos al consumo	$ 7.6 mil millones
Depósitos totales	$ 18.9 mil millones

Préstamo y origen hipotecario

En 2023, Glacier Bancorp originó $ 1.3 mil millones en préstamos hipotecarios con un tamaño de préstamo promedio de $ 385,000.

• Originaciones de hipotecas residenciales: $ 890 millones
• Originaciones de hipotecas comerciales: $ 410 millones

Servicios de gestión de patrimonio y inversión

Glacier Bancorp administra aproximadamente $ 2.6 mil millones en activos de gestión de patrimonio al 31 de diciembre de 2023.

Segmento de gestión de patrimonio	Activos totales bajo administración
Gestión de patrimonio personal	$ 1.7 mil millones
Servicios de inversión institucional	$ 900 millones

Desarrollo de la plataforma de banca digital

El banco invirtió $ 12.3 millones en infraestructura de tecnología digital en 2023, apoyando plataformas de banca en línea y móviles.

• Usuarios de banca móvil: 276,000
• Transacciones bancarias en línea: 42.6 millones anuales

Gestión de riesgos y evaluación de crédito

Glacier Bancorp mantuvo un relación de préstamo no realizado de 0.43% en 2023, indicando una fuerte gestión de riesgos de crédito.

Métrica de gestión de riesgos	2023 rendimiento
Reservas de pérdida de préstamos	$ 156 millones
Tasa de carga neta	0.17%

Glacier Bancorp, Inc. (GBCI) - Modelo de negocio: recursos clave

Extensa red de ramas bancarias

A partir del cuarto trimestre de 2023, Glacier Bancorp opera 198 ramas bancarias en 8 estados occidentales, incluidos Montana, Idaho, Utah, Washington, Colorado, Arizona, Nevada y Wyoming.

Estado	Número de ramas
Montana	56
Idaho	38
Utah	32
Washington	24
Otros estados	48

Recursos financieros

Métricas financieras al 31 de diciembre de 2023:

• Activos totales: $ 24.3 mil millones
• Depósitos totales: $ 20.1 mil millones
• Préstamos totales: $ 18.7 mil millones
• Relación de capital de nivel 1: 14.2%

Capital humano

Glacier Bancorp emplea 2,345 profesionales bancarios a tiempo completo en sus regiones operativas.

Infraestructura bancaria digital

• Usuarios de banca móvil: 275,000
• Plataformas de banca en línea: Sistema avanzado basado en la nube
• Volumen de transacción digital: 3.6 millones de transacciones mensuales

Gestión de la relación con el cliente

La base de datos de clientes contiene 487,000 cuentas activas con sistemas integrales de seguimiento de relaciones.

Glacier Bancorp, Inc. (GBCI) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Glacier Bancorp opera 188 oficinas bancarias en 8 estados occidentales. El banco atiende a comunidades locales con soluciones financieras específicas.

Presencia estatal	Número de oficinas bancarias
Montana	54
Idaho	37
Utah	29
Washington	22
Otros estados	46

Tasas de interés competitivas y productos financieros

Al 31 de diciembre de 2023, Glacier Bancorp informó:

• Activos totales: $ 24.6 mil millones
• Ingresos de intereses netos: $ 597.4 millones
• Rendimiento promedio del préstamo: 5.87%
• Costo promedio de depósito: 1.92%

Convenientes experiencias bancarias digitales y en persona

Métricas de banca digital a partir de 2023:

• Usuarios de banca móvil: 127,000
• Plataformas de banca en línea: 5 plataformas digitales integradas
• Volumen de transacción digital: 68% de las transacciones totales

Servicios financieros integrales

Categoría de servicio	Valor total de la cartera
Préstamo comercial	$ 12.3 mil millones
Hipoteca residencial	$ 6.8 mil millones
Préstamos al consumo	$ 3.5 mil millones
Préstamos agrícolas	$ 1.9 mil millones

Servicio al cliente y construcción de relaciones

Métricas de satisfacción del cliente para 2023:

• Tasa de retención de clientes: 92%
• Valor de relación promedio al cliente: $47,600
• Calificación de servicio al cliente: 4.6/5

Glacier Bancorp, Inc. (GBCI) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personalizadas

A partir del cuarto trimestre de 2023, Glacier Bancorp mantuvo 181 oficinas bancarias en 5 estados. El enfoque de gestión de la relación con el cliente incluye:

• Gerentes de relaciones dedicadas para clientes comerciales y de banca comercial
• Servicios de consulta financiera personalizada
• Frecuencia promedio de interacción del cliente de 3-4 puntos de contacto por trimestre

Segmento de clientes	Enfoque de gestión de relaciones	Frecuencia de interacción anual
Banca personal	Soporte digital y en persona	12-15 interacciones
Banca de negocios	Gerentes de relaciones dedicadas	18-24 interacciones
Clientes de alto patrimonio neto	Gestión de patrimonio personalizada	24-36 interacciones

Atención al cliente multicanal

Los canales de soporte incluyen:

• Soporte telefónico: disponible los 7 días de la semana, 14 horas al día
• Tiempo de respuesta de soporte por correo electrónico: promedio de 4 a 6 horas
• Soporte de chat en vivo durante el horario comercial

Plataformas de banca en línea y móvil

Métricas de banca digital a partir de 2023:

• Usuarios de banca móvil: 156,000
• Usuarios bancarios en línea: 287,000
• Calificación de aplicaciones móviles: 4.6/5 en tiendas de aplicaciones

Servicios de asesoramiento financiero regular

Desglose de servicios de asesoramiento:

Tipo de servicio	Número de clientes	Costo anual promedio
Planificación de jubilación	42,000	$750
Consultoría de inversión	28,500	$1,200
Gestión de patrimonio	15,700	$2,500

Programas de participación orientados a la comunidad

Estadísticas de participación de la comunidad:

• Inversión comunitaria anual: $ 3.2 millones
• Programas de patrocinio locales: 87 asociaciones activas
• Programas de educación financiera: llegar a 12.500 personas anualmente

Glacier Bancorp, Inc. (GBCI) - Modelo de negocios: canales

Sucursales bancarias físicas

A partir de 2023, el glaciar Bancorp funciona 186 ubicaciones bancarias En múltiples estados, incluidos Montana, Idaho, Utah, Washington, Wyoming y Colorado.

Estado	Número de ramas
Montana	62
Idaho	45
Utah	33
Washington	21
Wyoming	15
Colorado	10

Sitio web de banca en línea

La plataforma digital del banco admite Más de 95,000 usuarios bancarios en línea activos con características que incluyen:

• Gestión de cuentas
• Transferencias de fondos
• Pagos de facturas
• Descargas de declaraciones
• Historial de transacciones

Aplicación de banca móvil

Plataforma de banca móvil con 78,000 usuarios de aplicaciones móviles activas A partir del cuarto trimestre de 2023, ofreciendo:

• Depósito de cheque móvil
• Controles de tarjetas
• Alertas en tiempo real
• Inicio de sesión biométrico

Red de cajeros automáticos

Glacier Bancorp proporciona acceso a 276 ubicaciones de cajeros automáticos en sus estados operativos, con Transacciones gratuitas para titulares de cuentas.

Tipo de cajero automático	Recuento total
Cajeros automáticos	186
ATM de red de socios	90

Centros de llamadas de servicio al cliente

La infraestructura de atención al cliente incluye:

• 3 ubicaciones principales de los centros de llamadas
• Tiempo de respuesta promedio: 2.5 minutos
• Volumen de llamadas anual: aproximadamente 425,000 interacciones con los clientes

Canal de soporte	Horas de funcionamiento
Soporte telefónico	7:30 am - 6:00 pm MST
Chat en línea	8:00 am - 5:00 pm MST
Soporte por correo electrónico	24/7

Glacier Bancorp, Inc. (GBCI) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Glacier Bancorp atiende a aproximadamente 3.700 clientes comerciales pequeños a medianos en 8 estados occidentales de EE. UU. Préstamos bancarios comerciales totales pendientes: $ 4.2 mil millones.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	1,450	$850,000
Servicios profesionales	1,100	$ 1.2 millones
Fabricación	650	$ 1.5 millones

Consumidores individuales en los estados del oeste de los Estados Unidos

Total de clientes bancarios de consumo individuales: 142,500. Distribución geográfica:

• Montana: 38,200 clientes
• Idaho: 32,600 clientes
• Utah: 28,900 clientes
• Washington: 22,400 clientes
• Colorado: 20,400 clientes

Miembros de la comunidad agrícola y rural

Portafolio de préstamos agrícolas: $ 1.1 mil millones, que atiende a 2,300 clientes agrícolas. Tamaño promedio del préstamo agrícola: $ 478,000.

Sector agrícola	Volumen de préstamo	Número de clientes
Cultivo de cultivos	$ 425 millones	850
Ganado	$ 375 millones	680
Agricultura mixta	$ 300 millones	770

Individuos de alto nivel de red

Segmento de gestión de patrimonio: 1.850 clientes de alto valor de la red con un valor de cartera promedio de $ 3.6 millones.

• Activos promedio invertibles: $ 4.2 millones
• Edad media del cliente: 58 años
• Activos totales bajo administración: $ 6.7 mil millones

Gobierno local y entidades municipales

Portafolio bancario municipal: $ 680 millones, que atiende a 215 clientes del gobierno local.

Tipo municipal	Número de clientes	Volumen total del préstamo
Gobiernos municipales	87	$ 285 millones
Gobiernos del condado	62	$ 210 millones
Distritos especiales	66	$ 185 millones

Glacier Bancorp, Inc. (GBCI) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del cuarto trimestre de 2023, Glacier Bancorp operaba 188 oficinas bancarias en múltiples estados. Los gastos de operación de sucursal total para 2023 fueron de $ 84.3 millones.

Categoría de gastos	Costo anual ($)
Alquiler y ocupación	32,600,000
Utilidades	7,900,000
Mantenimiento	5,700,000

Tecnología y mantenimiento de infraestructura digital

La inversión tecnológica anual para 2023 totalizó $ 42.5 millones.

• Mantenimiento del sistema bancario central: $ 15.2 millones
• Infraestructura de ciberseguridad: $ 8,7 millones
• Actualizaciones de la plataforma de banca digital: $ 6.3 millones
• Hardware y software de TI: $ 12.3 millones

Salarios y beneficios de los empleados

Los gastos totales de personal para 2023 fueron de $ 221.6 millones.

Componente de compensación	Costo anual ($)
Salarios base	168,400,000
Bonos de rendimiento	29,700,000
Beneficios de atención médica	14,200,000
Contribuciones de jubilación	9,300,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 ascendieron a $ 37.2 millones.

• Personal legal y de cumplimiento: $ 22.5 millones
• Sistemas de informes regulatorios: $ 6.8 millones
• Auditoría externa y consultoría: $ 7.9 millones

Gastos de marketing y adquisición de clientes

El presupuesto de marketing para 2023 fue de $ 16.4 millones.

Canal de marketing	Gasto anual ($)
Publicidad digital	6,200,000
Medios tradicionales	4,300,000
Patrocinios comunitarios	2,900,000
Marketing directo	3,000,000

Glacier Bancorp, Inc. (GBCI) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos e hipotecas

Para el año fiscal 2023, Glacier Bancorp informó $ 486.4 millones en ingresos de intereses totales. Los intereses de los préstamos se contabilizaron específicamente $ 465.2 millones de este total.

Categoría de préstamo	Ingresos de intereses ($ M)
Préstamos comerciales	$248.3
Hipotecas residenciales	$167.5
Préstamos al consumo	$49.4

Tarifas de servicio y cargos de transacción

Las tarifas de servicio para 2023 totalizaron $ 82.6 millones.

• Tarifas de mantenimiento de la cuenta: $ 24.3 millones
• Tasas de transferencia de cables: $ 12.7 millones
• Tarifas de transacción de cajeros automáticos: $ 8.9 millones
• Tarifas de sobregiro: $ 15.4 millones

Tarifas de asesoramiento de gestión de patrimonio y inversiones

Servicios de asesoramiento de inversiones generados $ 37.2 millones en ingresos durante 2023.

Tarifas de intercambio de transacciones de débito y tarjeta de crédito

Las tarifas de intercambio ascendieron a $ 28.5 millones para el año fiscal 2023.

Tarifas de origen y procesamiento de la hipoteca

Las tarifas relacionadas con la hipoteca alcanzadas $ 22.1 millones en 2023.

Tipo de tarifa de la hipoteca	Ingresos ($ M)
Tarifas de origen	$16.3
Tasas de procesamiento	$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.