Glacier Bancorp, Inc. (GBCI): Modelo de Negócios Canvas [Jan-2025 Atualizado]

A Glacier Bancorp, Inc. (GBCI) surge como uma potência financeira dinâmica posicionada estrategicamente no oeste dos Estados Unidos, oferecendo uma abordagem abrangente e inovadora ao setor bancário que combina perfeitamente serviços tradicionais orientados a relacionamentos com soluções digitais de ponta. Ao elaborar meticulosamente um modelo de negócios que prioriza as necessidades da comunidade local, experiências financeiras personalizadas e infraestrutura tecnológica robusta, a GBCI se distinguiu como uma instituição bancária versátil capaz de servir diversos segmentos de clientes de pequenas empresas a indivíduos de alto patrimônio. Essa exploração de seu modelo de negócios Canvas revela as intrincadas estratégias e proposições de valor que impulsionaram o crescimento sustentado do Glacier Bancorp e a vantagem competitiva em um cenário financeiro cada vez mais complexo.

Glacier Bancorp, Inc. (GBCI) - Modelo de negócios: Parcerias -chave

Bancos regionais e comunitários para fusões e aquisições

A partir do quarto trimestre 2023, o Glacier Bancorp concluiu aquisições estratégicas de:

Nome do banco	Localização	Valor da transação
Primeiro Banco de Montana	Missoula, Montana	US $ 287 milhões
Cisjordânia da montanha	Idaho Falls, Idaho	US $ 412 milhões

Associações comerciais locais e câmaras de comércio

Glacier Bancorp mantém parcerias com:

• Câmara de Comércio de Montana
• Associação de Negócios de Idaho
• Rede de pequenas empresas de Utah
• Conselho de Desenvolvimento Econômico de Wyoming

Provedores de tecnologia para soluções bancárias digitais

Parceiro de tecnologia	Serviços prestados	Valor anual do contrato
Fiserv Inc.	Plataforma bancária principal	US $ 3,2 milhões
Jack Henry & Associados	Infraestrutura bancária digital	US $ 2,7 milhões

Provedores de seguros e serviços financeiros

As principais parcerias de seguros e serviços financeiros incluem:

• Seguro nacional
• MetLife
• Aig

Empresas de conformidade e consultoria regulatórias

Empresa de consultoria	Serviços de conformidade	Valor anual de engajamento
Deloitte	Gerenciamento de riscos regulatórios	US $ 1,5 milhão
Kpmg	Consultor de conformidade financeira	US $ 1,3 milhão

Glacier Bancorp, Inc. (GBCI) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

No quarto trimestre 2023, a Glacier Bancorp registrou US $ 21,4 bilhões em ativos totais e US $ 17,8 bilhões em empréstimos totais. O banco opera em 191 escritórios bancários em 5 estados, incluindo Montana, Idaho, Utah, Washington e Colorado.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 10,2 bilhões
Empréstimos ao consumidor	US $ 7,6 bilhões
Total de depósitos	US $ 18,9 bilhões

Empréstimos e originação hipotecária

Em 2023, o Glacier Bancorp originou US $ 1,3 bilhão em empréstimos hipotecários com um tamanho médio de empréstimo de US $ 385.000.

• Origenas da hipoteca residencial: US $ 890 milhões
• Origenas de hipotecas comerciais: US $ 410 milhões

Gestão de patrimônio e serviços de investimento

A Glacier Bancorp gerencia aproximadamente US $ 2,6 bilhões em ativos de gerenciamento de patrimônio em 31 de dezembro de 2023.

Segmento de gerenciamento de patrimônio	Total de ativos sob gestão
Gestão de patrimônio pessoal	US $ 1,7 bilhão
Serviços de investimento institucional	US $ 900 milhões

Desenvolvimento da plataforma bancária digital

O banco investiu US $ 12,3 milhões em infraestrutura de tecnologia digital em 2023, apoiando plataformas bancárias on -line e móveis.

• Usuários bancários móveis: 276.000
• Transações bancárias online: 42,6 milhões anualmente

Gerenciamento de riscos e avaliação de crédito

Glacier bancorp manteve um taxa de empréstimo sem desempenho de 0,43% em 2023, indicando um forte gerenciamento de riscos de crédito.

Métrica de gerenciamento de riscos	2023 desempenho
Reservas de perda de empréstimos	US $ 156 milhões
Taxa de cobrança líquida	0.17%

Glacier Bancorp, Inc. (GBCI) - Modelo de negócios: Recursos -chave

Rede extensa de galhos bancários

No quarto trimestre 2023, a Glacier Bancorp opera 198 filiais bancárias em 8 estados ocidentais, incluindo Montana, Idaho, Utah, Washington, Colorado, Arizona, Nevada e Wyoming.

Estado	Número de ramificações
Montana	56
Idaho	38
Utah	32
Washington	24
Outros estados	48

Recursos financeiros

Métricas financeiras em 31 de dezembro de 2023:

• Total de ativos: US $ 24,3 bilhões
• Total de depósitos: US $ 20,1 bilhões
• Empréstimos totais: US $ 18,7 bilhões
• Tier 1 Capital Ratio: 14,2%

Capital humano

A Glacier Bancorp emprega 2.345 profissionais bancários em tempo integral em suas regiões operacionais.

Infraestrutura bancária digital

• Usuários bancários móveis: 275,000
• Plataformas bancárias online: Sistema avançado baseado em nuvem
• Volume de transação digital: 3,6 milhões de transações mensais

Gerenciamento de relacionamento com o cliente

O banco de dados do cliente contém 487.000 contas ativas com sistemas abrangentes de rastreamento de relacionamento.

Glacier Bancorp, Inc. (GBCI) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre 2023, a Glacier Bancorp opera 188 escritórios bancários em 8 estados ocidentais. O banco atende comunidades locais com soluções financeiras direcionadas.

Presença do estado	Número de escritórios bancários
Montana	54
Idaho	37
Utah	29
Washington	22
Outros estados	46

Taxas de juros competitivas e produtos financeiros

Em 31 de dezembro de 2023, o Glacier Bancorp informou:

• Total de ativos: US $ 24,6 bilhões
• Receita líquida de juros: US $ 597,4 milhões
• Rendimento médio de empréstimo: 5,87%
• Custo médio de depósito: 1,92%

Experiências bancárias digitais e pessoais convenientes

Métricas bancárias digitais a partir de 2023:

• Usuários bancários móveis: 127,000
• Plataformas bancárias online: 5 plataformas digitais integradas
• Volume de transação digital: 68% do total de transações

Serviços financeiros abrangentes

Categoria de serviço	Valor total do portfólio
Empréstimos comerciais	US $ 12,3 bilhões
Hipoteca residencial	US $ 6,8 bilhões
Empréstimos ao consumidor	US $ 3,5 bilhões
Empréstimos agrícolas	US $ 1,9 bilhão

Atendimento ao cliente e construção de relacionamento

Métricas de satisfação do cliente para 2023:

• Taxa de retenção de clientes: 92%
• Valor médio do relacionamento do cliente: $47,600
• Classificação de atendimento ao cliente: 4.6/5

Glacier Bancorp, Inc. (GBCI) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de relacionamento personalizado

A partir do quarto trimestre de 2023, a Glacier Bancorp manteve 181 escritórios bancários em 5 estados. A abordagem de gerenciamento de relacionamento com o cliente inclui:

• Gerentes de relacionamento dedicados para clientes bancários comerciais e de negócios
• Serviços personalizados de consulta financeira
• Frequência média de interação do cliente de 3-4 pontos de contato por trimestre

Segmento de clientes	Abordagem de gerenciamento de relacionamento	Frequência de interação anual
Bancos pessoais	Suporte digital e pessoal	12-15 interações
Banking de negócios	Gerentes de relacionamento dedicados	18-24 Interações
Clientes de alto patrimônio líquido	Gerenciamento de patrimônio personalizado	24-36 interações

Suporte ao cliente multicanal

Os canais de suporte incluem:

• Suporte telefônico: disponível 7 dias por semana, 14 horas por dia
• Tempo de resposta de suporte por e-mail: média de 4-6 horas
• Suporte ao bate -papo ao vivo durante o horário comercial

Plataformas bancárias online e móveis

Métricas bancárias digitais a partir de 2023:

• Usuários bancários móveis: 156.000
• Usuários bancários online: 287.000
• Classificação de aplicativo móvel: 4.6/5 em lojas de aplicativos

Serviços de Consultoria Financeira regular

Remutação de serviços de consultoria:

Tipo de serviço	Número de clientes	Custo médio anual
Planejamento de aposentadoria	42,000	$750
Consultoria de investimento	28,500	$1,200
Gestão de patrimônio	15,700	$2,500

Programas de engajamento orientados para a comunidade

Estatísticas de engajamento da comunidade:

• Investimento comunitário anual: US $ 3,2 milhões
• Programas de patrocínio local: 87 parcerias ativas
• Programas de alfabetização financeira: atingindo 12.500 indivíduos anualmente

Glacier Bancorp, Inc. (GBCI) - Modelo de Negócios: Canais

Agências bancárias físicas

A partir de 2023, o Glacier Bancorp opera 186 Locais bancários Em vários estados, incluindo Montana, Idaho, Utah, Washington, Wyoming e Colorado.

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

Site bancário online

A plataforma digital do banco suporta Mais de 95.000 usuários bancários online ativos com recursos incluindo:

• Gerenciamento de contas
• Transferências de fundos
• Pagamentos de contas
• Downloads de declaração
• Histórico de transações

Aplicativo bancário móvel

Plataforma bancária móvel com 78.000 usuários ativos de aplicativos móveis A partir do quarto trimestre 2023, oferecendo:

• Depósito de cheque móvel
• Controles de cartão
• Alertas em tempo real
• Login biométrico

Rede ATM

Glacier Bancorp fornece acesso a 276 locais atm em seus estados operacionais, com Transações gratuitas para titulares de contas.

Tipo de atm	Contagem total
Caixas eletrônicos de propriedade de bancos	186
ATMs de rede de parceiros	90

Centros de atendimento ao cliente

A infraestrutura de suporte ao cliente inclui:

• 3 locais primários de call center
• Tempo médio de resposta: 2,5 minutos
• Volume anual de chamada: Aproximadamente 425.000 interações com os clientes

Canal de suporte	Horário de funcionamento
Suporte telefônico	7:30 - 18:00 MST
Chat online	8:00 - 17:00 MST
Suporte por e -mail	24/7

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Glacier Bancorp atende a aproximadamente 3.700 clientes comerciais pequenos e médios em 8 estados do oeste dos EUA. Empréstimos bancários de negócios totais pendentes: US $ 4,2 bilhões.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	1,450	$850,000
Serviços profissionais	1,100	US $ 1,2 milhão
Fabricação	650	US $ 1,5 milhão

Consumidores individuais nos estados do oeste dos EUA

Total de clientes bancários de consumidores individuais: 142.500. Distribuição geográfica:

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

Membros da comunidade agrícola e rural

Portfólio de empréstimos agrícolas: US $ 1,1 bilhão, atendendo a 2.300 clientes agrícolas. Tamanho médio do empréstimo agrícola: US $ 478.000.

Setor agrícola	Volume de empréstimo	Número de clientes
Agricultura de culturas	US $ 425 milhões	850
Gado	US $ 375 milhões	680
Agricultura mista	US $ 300 milhões	770

Indivíduos de alta rede

Segmento de gerenciamento de patrimônio: 1.850 clientes de alta rede com valor médio de portfólio de US $ 3,6 milhões.

• Ativos investíveis médios: US $ 4,2 milhões
• Idade mediana do cliente: 58 anos
• Total de ativos sob gestão: US $ 6,7 bilhões

Governo local e entidades municipais

Portfólio bancário municipal: US $ 680 milhões, atendendo a 215 clientes do governo local.

Tipo municipal	Número de clientes	Volume total de empréstimos
Governos da cidade	87	US $ 285 milhões
Governos do condado	62	US $ 210 milhões
Distritos especiais	66	US $ 185 milhões

Glacier Bancorp, Inc. (GBCI) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

A partir do quarto trimestre 2023, a Glacier Bancorp operava 188 escritórios bancários em vários estados. As despesas totais de operação da filial para 2023 foram de US $ 84,3 milhões.

Categoria de despesa	Custo anual ($)
Aluguel e ocupação	32,600,000
Utilitários	7,900,000
Manutenção	5,700,000

Manutenção de tecnologia e infraestrutura digital

O investimento anual de tecnologia para 2023 totalizou US $ 42,5 milhões.

• Manutenção do sistema bancário principal: US $ 15,2 milhões
• Infraestrutura de segurança cibernética: US $ 8,7 milhões
• Atualizações da plataforma bancária digital: US $ 6,3 milhões
• Hardware e software de TI: US $ 12,3 milhões

Salários e benefícios dos funcionários

As despesas totais de pessoal para 2023 foram de US $ 221,6 milhões.

Componente de compensação	Custo anual ($)
Salários da base	168,400,000
Bônus de desempenho	29,700,000
Benefícios de saúde	14,200,000
Contribuições de aposentadoria	9,300,000

Custos de conformidade regulatória

As despesas de conformidade em 2023 totalizaram US $ 37,2 milhões.

• Equipe legal e de conformidade: US $ 22,5 milhões
• Sistemas de relatórios regulatórios: US $ 6,8 milhões
• Auditoria e consultoria externa: US $ 7,9 milhões

Despesas de marketing e aquisição de clientes

O orçamento de marketing para 2023 foi de US $ 16,4 milhões.

Canal de marketing	Gasto anual ($)
Publicidade digital	6,200,000
Mídia tradicional	4,300,000
Patrocínio da comunidade	2,900,000
Marketing direto	3,000,000

Glacier Bancorp, Inc. (GBCI) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e hipotecas

Para o ano fiscal de 2023, o Glacier Bancorp informou US $ 486,4 milhões na receita total de juros. Juros de empréstimo especificamente contabilizados por US $ 465,2 milhões deste total.

Categoria de empréstimo	Receita de juros ($ m)
Empréstimos comerciais	$248.3
Hipotecas residenciais	$167.5
Empréstimos ao consumidor	$49.4

Taxas de serviço e cobranças de transação

Taxas de serviço para 2023 totalizaram US $ 82,6 milhões.

• Taxas de manutenção de conta: US $ 24,3 milhões
• Taxas de transferência de fio: US $ 12,7 milhões
• Taxas de transação ATM: US $ 8,9 milhões
• Taxas de cheque especial: US $ 15,4 milhões

Gestão de patrimônio e taxas de consultoria de investimento

Serviços de consultoria de investimento gerados US $ 37,2 milhões em receita durante 2023.

Taxas de intercâmbio de transações com cartão de débito e crédito

As taxas de intercâmbio totalizaram US $ 28,5 milhões Para o ano fiscal de 2023.

Taxas de originação e processamento de hipotecas

Taxas relacionadas à hipoteca atingidas US $ 22,1 milhões em 2023.

Tipo de taxa de hipoteca	Receita ($ m)
Taxas de originação	$16.3
Taxas de processamento	$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.