# GLACIER BANK
KALISPELL, MT · FDIC certificate 30788 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $31.58B | |
| Deposits | $24.86B | |
| Loans and leases | $21.41B | |
| Total equity | $4.33B | |
| Loans / deposits | 85.07% (p47 of band) | 85.78% |
| Liquid assets / assets | 23.90% (p56 of band) | |
| Uninsured deposits / deposits | 33.97% (p39 of band) | 38.39% |
| Brokered deposits | 0.01% | |
| Wholesale funding | 6.46% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.10% (p48 of band) | 10.17% |
| Unrealized securities loss / equity | -10.33% (p35 of band) | -7.43% |
| AOCI / equity | -0.10% (p66 of band) | |
| ROA (annualized) | 1.20% (p45 of band) | 1.24% |
| Net interest margin | 3.89% (p71 of band) | 3.57% |
| Efficiency ratio | 58.96% (p71 of band) | |
| Noncurrent loans | 0.42% (p23 of band) | 0.66% |
| Net charge-offs (annualized) | 0.06% (p38 of band) | |
| Reserve coverage of noncurrent | 287.93% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 61.48% (p87 of band) | |
| Auto loans | $66.0M (0.31% of loans; DQ 1.19%, NCO 0.00%) | |
| Loans to nondepository financials | $17.2M (0% of equity) (p21 of band) | |
| Deposits YoY | 14.0% | |
| Employees | 4118 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | loans exceed deposits |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 | capital falling | reserve under noncurrent |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | brokered >10% | capital falling |
| 2013-06 | 1 |  | brokered >10% |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | wholesale funding >15% |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 1 |  | securities losses >30% of equity, deposits shrinking, capital falling |
| 2024-03 | 0 |  | wholesale funding >15% |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-15 [New Glacier Bank expected by April 2027 - Hungry Horse News](https://news.google.com/rss/articles/CBMijgFBVV95cUxPNEVvN3hDYWVOZmxJR0c2WEItZmNCSjF3RkR3UnVNNThKVE05OE8tLXBfc3Z3TVNpNlJaX3l2ekFlZXAweW9CTFJfWUN5U3ZSdG5NaDNYYmZFUl9fdGZsV2ZWaVhuOFdjRVVEZHpoTmxjaS0zZFlJdWhaQUNBWkt5X3QtTFItcGRjcnZlMEd3?oc=5) · Hungry Horse News
- 2026-02-18 [California woman guilty of bank fraud at Glacier Bank - NBC Montana](https://news.google.com/rss/articles/CBMijgFBVV95cUxOekEwb3RXTm51QktrcDhPUExmWktuSkk5dHpMaE1pWG1WVnlVNDNhSFRVM1Jqd3pzV2xiVFluNk9KVVRaNDVTZ1VvQzF3RzNEN0xoNEpOQ0FRSDNIaWc2ZTBwTDBPWHhjbmlvVHNsN3NDSVJ2WXdBWGVka0VTUmRYbHVoRHppbkQzdDVOMzlR?oc=5) · NBC Montana
- 2026-02-19 [Jury finds California woman guilty of defrauding Montana bank of $170,000 - Daily Montanan](https://news.google.com/rss/articles/CBMirgFBVV95cUxNWGpSeFgyUXNPOFYwbURaa3U2eXpxLW5mcnZlZWdmWnpnOWI4dU9nbGFFMWg5X1ZLdEFkUnZIRFljMEQtVW9CakppdFQ4RW83N0IzOVV3LVAtam1VazRiZVhvVmpUMHFNQXVXMHVsUjhpclMybTRHR24tTU51NDJNMXlMZUV5ZlQtaE9DOGNzT0dlSWVnbm9DdXlJRU82QXhFbUgtLVREQkZXWW9QOGc?oc=5) · Daily Montanan
- 2026-06-19 [Glacier Bank’s partnership supports NW Montana - Western News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOc1JBS21pRkF0cWNfajJKbThpNFdTb09EYW43d1RWRlVmX0laNUp1X3RyNHFQQVZPUFdzLTV2RzQyenVLRDRKeGZHemluZXZ5TzZvVjlUU2dKZXBPM0d6TkhhMmdoUmVRdGRiTVFDaGVOVmJsdHEwd1BpbGtBc0JlY21jWVZUS1FpcEwzc2R1eUluOFVsR3I5WnJvXzdrZ1QzeVlXU2RYU05kQWNIcFo1eEJB?oc=5) · Western News
- 2026-08-31 [Glacier Bancorp Selects Byron Pollan to Become Deputy Chief Financial Officer and Succeed Ron Copher as CFO of Glacier Bancorp in 2027 - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-02-19 [California woman found guilty of defrauding Montana bank - montanarightnow.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPS3YxaHhzZ1E2RkpocFNCNnNOTTh6R0dLbW1iUUJTcGhlVTJpU2xtLUd3YlFnLWRBWmY2ZGlzQUtUMVdabjFWN0N6UW1nbFI5QmlGUG04b05WcWFjSEllLXFRdXg4X2ptejRsOVBDcHdGMkpBUGg0Ujd0d0Q4cVlmSXV5RHl0QU9FdWJDTkVENFRyclkyLWZ0UUFYN294bEZHZ1JTV2hoajRyQTNOdHJqY1gtQVFPaFNEQ09CNm5mZ1F2aHFhLVhyNzNYeUl5TjdkdUFVZkJORW1OeWoxWHc?oc=5) · montanarightnow.com
- 2026-01-07 [Glacier Bank Review: Regional Bank That Provides a Variety of Services - GOBankingRates](https://news.google.com/rss/articles/CBMid0FVX3lxTE1WWFZ1dXpHQ3RVZktaNmpXZXRTeTJ4clo4UWVHT3V2Vi1Bckh2dlBreTBSLXJFRGtJVlRraXM0OEM0THpmY0hUdDZfb1hfcHE1ZURRbUFJWVZ1WUJMTTlMa3Bzb0t1YkIwVldWWlQwcEJJbHNsa19V?oc=5) · GOBankingRates
- 2026-06-19 [Glacier Bank supports Libby woman's service to our country - Western News](https://news.google.com/rss/articles/CBMipAFBVV95cUxQOGFvWUVoc296c0kyUkstclh6dlF1bmlkclV2bUNtQWlzUWpsa1Q4QUhLWGVWaGJjdU1DTzNFLTZfak9lN0huTW5kMGRIZW1COVdiLVF2MG02aFR4clpyeExtNGYwalI1UTNqc3VTVldhS2w0Q2hUbjhZMGJzZXl6bk5sRGwxZzJRQ0lxMFItXy1BZ3FBSW9fTGhVdkRRY1hrZmsyYQ?oc=5) · Western News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30788 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "30788", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide