Glacier Bancorp Q4 Earnings Call Highlights

Glacier Bancorp (NYSE:GBCI) executives told investors that 2025 marked a “transformative year” for the company, driven by 2 acquisitions, grounds equilibrium expanse growth, and expanding profitability metrics. Speaking connected the company’s net call, President and CEO Randy Chesler highlighted the closing of Bank of Idaho successful April and Guaranty Bank & Trust successful October, calling 2025 the largest acquisition twelvemonth successful the company’s past with much than $4.7 cardinal acquired.

Chesler said the deals broadened Glacier’s footprint successful fast-growing Idaho and expanded its Southwest portion to see Texas. The institution converted Bank of Idaho’s operating level successful September and plans to person Guaranty Bank & Trust successful February.

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Glacier reported nett income of $63.8 cardinal for the quarter, which included $36 cardinal of expenses related to the 2 2025 acquisitions. Full-year 2025 nett income was $239 million, up $48.9 million, oregon 26%, from the anterior year, which absorption attributed to the acquisitions and efforts to summation nett involvement margin.

Diluted net per stock were $0.49 for the 4th and $1.99 for the afloat year, representing an 18% summation twelvemonth implicit year. Pre-tax, pre-provision nett revenues totaled $362 cardinal for 2025, up $107 million, oregon 42%, from the anterior year.

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Chesler besides noted equilibrium expanse enlargement to grounds levels. Total assets exceeded $30 cardinal during the 4th and ended the twelvemonth astatine $32 billion. Loans totaled $21 cardinal astatine year-end 2025, rising $2 billion, oregon 11%, from the anterior 4th and $3.7 billion, oregon 21%, for the afloat year. Deposits reached $24.6 billion, expanding $2.7 billion, oregon 12%, sequentially and $4 billion, oregon 20%, implicit 2025.

The institution emphasized advancement successful nett involvement margin, with the tax-equivalent nett involvement borderline connected earning assets reaching 3.58% for the quarter. That marked a 19 ground constituent summation from the anterior 4th and a 61 ground constituent summation from the prior-year quarter. Net involvement income was $266 cardinal for the quarter, up $41 million, oregon 18%, sequentially, and $889 cardinal for 2025, up $184 million, oregon 26%, twelvemonth implicit year.

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Management said higher indebtedness yields and little backing costs contributed to the improvement. The quarter’s indebtedness output was 6.09%, up 12 ground points from the anterior quarter, portion the full earning plus output was 5.00%, up 14 ground points sequentially. Total outgo of funding, including non-interest-bearing deposits, was 1.52%, down 6 ground points from the anterior 4th and down 19 ground points from the prior-year quarter.