Glacier Bancorp, Inc. (GBCI): Business Model Canvas [Jan-2025 Mis à jour]

Glacier Bancorp, Inc. (GBCI) apparaît comme une puissance financière dynamique stratégiquement positionnée dans l'ouest des États-Unis, offrant une approche complète et innovante de la banque qui mélange parfaitement les services traditionnels axés sur les relations avec des solutions numériques de pointe. En élaborant méticuleusement un modèle commercial qui priorise les besoins de la communauté locale, les expériences financières personnalisées et les infrastructures technologiques robustes, GBCI s'est distingué en tant qu'institution bancaire polyvalente capable de servir divers segments de clientèle, des petites entreprises aux particuliers élevés. Cette exploration de leur toile de modèle commercial révèle les stratégies complexes et les propositions de valeur qui ont propulsé la croissance soutenue et l'avantage concurrentiel de Glacier Bancorp dans un paysage financier de plus en plus complexe.

Glacier Bancorp, Inc. (GBCI) - Modèle d'entreprise: partenariats clés

Banques régionales et communautaires pour les fusions et acquisitions

Au quatrième trimestre 2023, Glacier Bancorp a achevé des acquisitions stratégiques de:

Nom de banque	Emplacement	Valeur de transaction
Première banque du Montana	Missoula, Montana	287 millions de dollars
Montagne de la Cisjordanie	Idaho Falls, Idaho	412 millions de dollars

Associations commerciales locales et chambres de commerce

Glacier Bancorp maintient des partenariats avec:

• Chambre de commerce du Montana
• Association des affaires de l'Idaho
• Réseau de petites entreprises de l'Utah
• Conseil de développement économique du Wyoming

Fournisseurs de technologie pour les solutions bancaires numériques

Partenaire technologique	Services fournis	Valeur du contrat annuel
Fiserv Inc.	Plateforme bancaire de base	3,2 millions de dollars
Jack Henry & Associés	Infrastructure bancaire numérique	2,7 millions de dollars

Fournisseurs d'assurance et de services financiers

Les partenariats clés de l'assurance et des services financiers comprennent:

• Assurance à l'échelle nationale
• Métlife
• Aig

Compliance réglementaire et sociétés de conseil

Cabinet de conseil	Services de conformité	Valeur d'engagement annuelle
Deloitte	Gestion des risques réglementaires	1,5 million de dollars
Kpmg	Conseil de conformité financière	1,3 million de dollars

Glacier Bancorp, Inc. (GBCI) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et grand public

Au quatrième trimestre 2023, Glacier Bancorp a déclaré 21,4 milliards de dollars d'actifs totaux et 17,8 milliards de dollars de prêts. La banque opère dans 191 bureaux bancaires dans 5 États, dont le Montana, l'Idaho, l'Utah, Washington et le Colorado.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	10,2 milliards de dollars
Prêts à la consommation	7,6 milliards de dollars
Dépôts totaux	18,9 milliards de dollars

Prêts hypothécaires et origine

En 2023, Glacier Bancorp a créé 1,3 milliard de dollars de prêts hypothécaires avec une taille de prêt moyenne de 385 000 $.

• Originations hypothécaires résidentielles: 890 millions de dollars
• Originations hypothécaires commerciales: 410 millions de dollars

Services de gestion de patrimoine et d'investissement

Glacier Bancorp gère environ 2,6 milliards de dollars d'actifs de gestion de patrimoine au 31 décembre 2023.

Segment de gestion de la patrimoine	Total des actifs sous gestion
Gestion de la richesse personnelle	1,7 milliard de dollars
Services d'investissement institutionnel	900 millions de dollars

Développement de la plate-forme bancaire numérique

La banque a investi 12,3 millions de dollars dans l'infrastructure technologique numérique en 2023, soutenant les plateformes de banques en ligne et mobiles.

• Utilisateurs de la banque mobile: 276 000
• Transactions bancaires en ligne: 42,6 millions par an

Gestion des risques et évaluation du crédit

Glacier bancorp a maintenu un Ratio de prêt non performant de 0,43% en 2023, indiquant une forte gestion des risques de crédit.

Métrique de gestion des risques	Performance de 2023
Réserves de perte de prêt	156 millions de dollars
Taux de redevance net	0.17%

Glacier Bancorp, Inc. (GBCI) - Modèle commercial: Ressources clés

Réseau étendu de succursales bancaires

Depuis le quatrième trimestre 2023, Glacier Bancorp exploite 198 branches bancaires dans 8 États occidentaux, notamment le Montana, l'Idaho, l'Utah, Washington, le Colorado, l'Arizona, le Nevada et le Wyoming.

État	Nombre de branches
Montana	56
Idaho	38
Utah	32
Washington	24
Autres États	48

Ressources financières

Mesures financières au 31 décembre 2023:

• Actif total: 24,3 milliards de dollars
• Dépôts totaux: 20,1 milliards de dollars
• Prêts totaux: 18,7 milliards de dollars
• Ratio de capital de niveau 1: 14,2%

Capital humain

Glacier Bancorp emploie 2 345 professionnels bancaires à temps plein dans ses régions opérationnelles.

Infrastructure bancaire numérique

• Utilisateurs de la banque mobile: 275,000
• Plateformes bancaires en ligne: Système avancé basé sur le cloud
• Volume de transaction numérique: 3,6 millions de transactions mensuelles

Gestion de la relation client

La base de données client contient 487 000 comptes actifs avec des systèmes de suivi des relations complètes.

Glacier Bancorp, Inc. (GBCI) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Au quatrième trimestre 2023, Glacier Bancorp exploite 188 bureaux bancaires dans 8 États occidentaux. La banque dessert les communautés locales avec des solutions financières ciblées.

Présence de l'État	Nombre de bureaux bancaires
Montana	54
Idaho	37
Utah	29
Washington	22
Autres États	46

Taux d'intérêt concurrentiels et produits financiers

Au 31 décembre 2023, Glacier Bancorp a rapporté:

• Actif total: 24,6 milliards de dollars
• Revenu des intérêts nets: 597,4 millions de dollars
• Rendement moyen des prêts: 5,87%
• Coût moyen de dépôt: 1,92%

Expériences bancaires numériques et en personne pratique

Mesures bancaires numériques à partir de 2023:

• Utilisateurs de la banque mobile: 127,000
• Plateformes bancaires en ligne: 5 plateformes numériques intégrées
• Volume de transaction numérique: 68% du total des transactions

Services financiers complets

Catégorie de service	Valeur totale du portefeuille
Prêts commerciaux	12,3 milliards de dollars
Hypothèque résidentielle	6,8 milliards de dollars
Prêts à la consommation	3,5 milliards de dollars
Prêts agricoles	1,9 milliard de dollars

Service client et respect des relations

Mesures de satisfaction client pour 2023:

• Taux de rétention de la clientèle: 92%
• Valeur moyenne de la relation client: $47,600
• Note de service à la clientèle: 4.6/5

Glacier Bancorp, Inc. (GBCI) - Modèle d'entreprise: relations avec les clients

Gestion des relations personnalisées

Au quatrième trimestre 2023, Glacier Bancorp a maintenu 181 bureaux bancaires dans 5 États. L'approche de gestion de la relation client comprend:

• Gestionnaires de relations dédiés aux clients commerciaux et commerciaux
• Services de consultation financière personnalisés
• Fréquence moyenne d'interaction du client de 3-4 points de contact par trimestre

Segment de clientèle	Approche de gestion des relations	Fréquence d'interaction annuelle
Banque personnelle	Support numérique et en personne	12-15 interactions
Banque d'affaires	Gestionnaires de relations dédiées	18-24 interactions
Clients à valeur nette élevée	Gestion de richesse personnalisée	24-36 interactions

Support client multicanal

Les canaux de support comprennent:

• Prise en charge du téléphone: disponible 7 jours par semaine, 14 heures par jour
• Temps de réponse de la support par e-mail: moyenne de 4 à 6 heures
• Support de chat en direct pendant les heures d'ouverture

Plateformes bancaires en ligne et mobiles

Mesures bancaires numériques à partir de 2023:

• Utilisateurs de la banque mobile: 156 000
• Utilisateurs bancaires en ligne: 287 000
• Évaluation des applications mobiles: 4.6 / 5 dans les magasins d'applications

Services de conseil financier réguliers

Répartition des services consultatifs:

Type de service	Nombre de clients	Coût annuel moyen
Planification de la retraite	42,000	$750
Conseil en investissement	28,500	$1,200
Gestion de la richesse	15,700	$2,500

Programmes d'engagement axés sur la communauté

Statistiques de l'engagement communautaire:

• Investissement communautaire annuel: 3,2 millions de dollars
• Programmes de parrainage locaux: 87 partenariats actifs
• Programmes de littératie financière: atteindre 12 500 personnes par an

Glacier Bancorp, Inc. (GBCI) - Modèle d'entreprise: canaux

Succursales bancaires physiques

En 2023, Glacier Bancorp fonctionne 186 lieux bancaires Dans plusieurs États, dont le Montana, l'Idaho, l'Utah, Washington, le Wyoming et le Colorado.

État	Nombre de branches
Montana	62
Idaho	45
Utah	33
Washington	21
Wyoming	15
Colorado	10

Site Web de banque en ligne

La plate-forme numérique de la banque prend en charge Plus de 95 000 utilisateurs bancaires en ligne actifs avec des fonctionnalités comprenant:

• Gestion des comptes
• Transferts de fonds
• Paiements de facture
• Téléchargements de déclaration
• Historique des transactions

Application bancaire mobile

Plateforme bancaire mobile avec 78 000 utilisateurs d'applications mobiles actifs Depuis le quatrième trimestre 2023, l'offre:

• Dépôt de chèques mobiles
• Commandes de carte
• Alertes en temps réel
• Connexion biométrique

Réseau ATM

Glacier Bancorp donne accès à 276 emplacements ATM à travers ses états opérationnels, avec Transactions gratuites pour les titulaires de compte.

Type de guichet automatique	Compte total
ATM appartenant à des banques	186
ATM du réseau partenaire	90

Centres d'appels de service client

L'infrastructure de support client comprend:

• 3 Emplacements du centre d'appel primaire
• Temps de réponse moyen: 2,5 minutes
• Volume d'appel annuel: Environ 425 000 interactions client

Canal de support	Heures d'opération
Support téléphonique	7h30 - 18h00 MST
Chat en ligne	8h00 - 17h00 MST
Assistance par e-mail	24/7

Glacier Bancorp, Inc. (GBCI) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Glacier Bancorp dessert environ 3 700 clients commerciaux de petite à moyenne taille dans 8 États de l'ouest des États-Unis. Total des prêts bancaires d'entreprise en circulation: 4,2 milliards de dollars.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	1,450	$850,000
Services professionnels	1,100	1,2 million de dollars
Fabrication	650	1,5 million de dollars

Les consommateurs individuels dans l'ouest des États-Unis

Total des clients de la banque de consommation individuels: 142 500. Distribution géographique:

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

Membres de la communauté agricole et rurale

Portfolio de prêts agricoles: 1,1 milliard de dollars, desservant 2 300 clients agricoles. Taille moyenne des prêts agricoles: 478 000 $.

Secteur agricole	Volume de prêt	Nombre de clients
Agriculture des cultures	425 millions de dollars	850
Bétail	375 millions de dollars	680
Agriculture mixte	300 millions de dollars	770

Individus à haute nette

Segment de gestion de la patrimoine: 1 850 clients à haute teneur en naissance avec une valeur de portefeuille moyenne de 3,6 millions de dollars.

• Actifs investissables moyens: 4,2 millions de dollars
• Âge du client médian: 58 ans
• Total des actifs sous gestion: 6,7 milliards de dollars

Gouvernement local et entités municipales

Portfolio bancaire municipal: 680 millions de dollars, desservant 215 clients du gouvernement local.

Type municipal	Nombre de clients	Volume total des prêts
Gouvernements municipaux	87	285 millions de dollars
Gouvernements de comté	62	210 millions de dollars
Districts spéciaux	66	185 millions de dollars

Glacier Bancorp, Inc. (GBCI) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Au quatrième trimestre 2023, Glacier Bancorp a exploité 188 bureaux bancaires dans plusieurs États. Les dépenses totales d'exploitation des succursales pour 2023 étaient de 84,3 millions de dollars.

Catégorie de dépenses	Coût annuel ($)
Loyer et occupation	32,600,000
Services publics	7,900,000
Entretien	5,700,000

Maintenance de la technologie et des infrastructures numériques

L'investissement technologique annuel pour 2023 a totalisé 42,5 millions de dollars.

• Maintenance du système bancaire de base: 15,2 millions de dollars
• Infrastructure de cybersécurité: 8,7 millions de dollars
• Mises à niveau de la plate-forme bancaire numérique: 6,3 millions de dollars
• Matériel et logiciel informatique: 12,3 millions de dollars

Salaires et avantages sociaux des employés

Les dépenses totales du personnel pour 2023 étaient de 221,6 millions de dollars.

Composant de compensation	Coût annuel ($)
Salaires de base	168,400,000
Bonus de performance	29,700,000
Avantages sociaux	14,200,000
Contributions à la retraite	9,300,000

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 s'élevaient à 37,2 millions de dollars.

• Personnel juridique et de conformité: 22,5 millions de dollars
• Systèmes de rapports réglementaires: 6,8 millions de dollars
• Audit externe et conseil: 7,9 millions de dollars

Frais de marketing et d'acquisition des clients

Le budget marketing de 2023 était de 16,4 millions de dollars.

Canal de marketing	Dépenses annuelles ($)
Publicité numérique	6,200,000
Médias traditionnels	4,300,000
Parrainages communautaires	2,900,000
Marketing direct	3,000,000

Glacier Bancorp, Inc. (GBCI) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et hypothèques

Pour l'exercice 2023, Glacier Bancorp a rapporté 486,4 millions de dollars dans le revenu total des intérêts. Les intérêts de prêt sont spécifiquement comptabilisés 465,2 millions de dollars de ce total.

Catégorie de prêt	Revenu des intérêts ($ m)
Prêts commerciaux	$248.3
Hypothèques résidentielles	$167.5
Prêts à la consommation	$49.4

Frais de service et frais de transaction

Les frais de service pour 2023 totalisent 82,6 millions de dollars.

• Frais de maintenance du compte: 24,3 millions de dollars
• Frais de transfert de fil: 12,7 millions de dollars
• Frais de transaction ATM: 8,9 millions de dollars
• Frais de découvert: 15,4 millions de dollars

Frais de gestion de patrimoine et d'investissement

Services de conseil en investissement générés 37,2 millions de dollars en revenus en 2023.

Échange des frais des transactions de débit et de carte de crédit

Les frais d'interchange s'élevaient à 28,5 millions de dollars pour l'exercice 2023.

Frais d'origine et de traitement hypothécaire

Les frais liés aux hypothèques atteignent 22,1 millions de dollars en 2023.

Type de frais d'hypothèque	Revenus ($ m)
Frais d'origine	$16.3
Frais de traitement	$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.