BlastPoint's Banking Scorecard

Glacier Bank

$10B-$250B Specialty: Commercial MT FDIC cert 30788

Kalispell, MT

261 branches across MT · ID · UT · TX · WA · CO · WY · AZ · NV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in MT.
Deposits +14.0% year over year ($24.9B on the books).
Delinquency rate 0.43%.
Return on assets 1.20%.
Efficiency ratio 58.96% vs a 53.67% peer average.
Loan-to-deposit ratio 85.07% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 2 in MT

View $10B-$250B leaderboard (MT) →

Glacier Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 46.3% in tier
- ROA 0.19% below tier average
- Efficiency Ratio 5.29% above tier average

Get updates when Glacier Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$31.6B +8.9% YoY -0.4% QoQ	-$12.0B	$43.6B -13.8% YoY	$2.2B +3.0% YoY	$6.3B +7.7% YoY	64%
Total Loans ?	$21.1B +15.2% YoY +1.6% QoQ	-$6.8B	$28.0B -8.6% YoY	$1.4B +2.6% YoY	$3.2B +9.4% YoY	64%
Total Deposits ?	$24.9B +14.0% YoY -0.3% QoQ	-$10.6B	$35.4B -14.0% YoY	$1.8B +4.6% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	1.20% +45.0% YoY +8.6% QoQ	-0.19%	1.39% +25.9% YoY	1.54% -6.6% YoY	1.30% +12.1% YoY	42%
Net Interest Margin ?	3.89% +22.5% YoY +1.9% QoQ	-0.03%	3.92% +8.9% YoY	4.16% +5.0% YoY	3.95% +4.9% YoY	70%
Efficiency Ratio ?	58.96% -5.8% YoY -4.5% QoQ	+5.29%	53.67% -1.9% YoY	60.98% -0.5% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.43% +67.7% YoY +14.1% QoQ	-0.59%	1.01% -2.8% YoY	1.28% +29.2% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	85.07% +1.1% YoY +1.9% QoQ	+2.46%	82.61% +3.1% YoY	70.68% -1.2% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	29.89% -1.2% YoY +0.4% QoQ	+9.31%	20.58% +4.9% YoY	26.03% +1.9% YoY	21.98% -0.6% YoY	79%
Nonperforming Asset Ratio ?	0.29% +73.4% YoY +15.9% QoQ	-0.44%	0.73% +5.8% YoY	0.78% +50.1% YoY	0.69% +15.8% YoY	80%
Tier 1 Capital Ratio ?	12.99% +2.9% YoY +0.8% QoQ	-2.36%	15.35% -0.4% YoY	18.68% -1.3% YoY	17.09% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.24% +8.7% YoY +115.1% QoQ	-0.25%	0.50% +10.5% YoY	1.73% +7.3% YoY	0.66% +5.2% YoY	31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Noninterest-Bearing	29.9% -0.4pp YoY +0.1pp QoQ	+8.9pp	21.0%	26.8%	22.2%	78%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-9.2pp	9.2%	10.6%	8.5%	4%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
C&I	8.0% -0.4pp YoY +0.1pp QoQ	-9.2pp	17.2%	14.3%	12.5%	12%
CRE	60.8% +2.0pp YoY +0.2pp QoQ	+18.8pp	42.0%	42.8%	41.4%	88%
1-4 Family	19.8% -0.4pp YoY -0.5pp QoQ	-3.3pp	23.1%	26.0%	31.3%	43%
Consumer	1.1% 0.0pp YoY 0.0pp QoQ	-11.8pp	12.9%	2.7%	5.0%	41%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
CET1 Ratio	13.0% +0.4pp YoY +0.1pp QoQ	-2.3pp	15.3%	22.4%	19.7%	52%
Leverage Ratio	10.1% +0.6pp YoY +0.3pp QoQ	-0.3pp	10.4%	13.2%	12.6%	49%
Total Capital Ratio	14.2% +0.4pp YoY +0.1pp QoQ	-2.3pp	16.5%	23.5%	20.8%	54%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Full-Time Employees	4,118 +460 (+12.6%) YoY -14 (-0.3%) QoQ	+860	3,258	284	482	78%
Assets per Employee ($)	$7.7M -3.2% YoY -0.1% QoQ	-$19.4M	$27.0M	$8.1M	$8.8M	9%
Branch Count	261 +34 (+15.0%) YoY +2 (+0.8%) QoQ	+123	137	21	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.6%	0.4%	62%
Nonaccrual	0.4% +0.2pp YoY 0.0pp QoQ	-0.4pp	0.7%	1.1%	1.0%	21%
Allowance Coverage	2.88x -40.7% YoY -12.3% QoQ	+0.07x	2.81x	3.69x	20.23x	76%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.0%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
ROE	8.9% +1.9pp YoY +0.6pp QoQ	-3.7pp	12.6%	14.2%	11.6%	24%
Cost of Funds (YTD)	1.2% -0.3pp YoY 0.0pp QoQ	-0.7pp	2.0%	1.5%	1.7%	12%
Net Income ($, YTD)	$189.9M +63.0% YoY — QoQ	-$106.9M	$296.8M	$14.9M	$40.4M	60%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#4 of 35 • Top 8.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.43%

(Tier: 1.01%, National: 0.98%)

better than tier avg

35 of 35 Large banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#32 of 67 • Bottom 46.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.43%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.29%

Peer Median: 0.73%

#29 of 139 Top 20.1% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.43%

Peer Median: 1.01%

#29 of 138 Top 20.3% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 29.89%

Peer Median: 20.58%

#30 of 139 Top 20.9% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available