BlastPoint's Banking Scorecard
Glacier Bank
Kalispell, MT
266 branches across MT · ID · UT · TX · WA · CO · WY · AZ · NV
Glacier Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency Ratio 7.76% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.7B
+13.9% YoY
-0.7% QoQ
|
-$15.2B |
$47.0B
-1.9% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$20.8B
+22.1% YoY
+0.5% QoQ
|
-$8.5B |
$29.4B
-0.4% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$24.9B
+19.9% YoY
+0.7% QoQ
|
-$13.5B |
$38.4B
-1.6% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.10%
+31.1% YoY
+22.8% QoQ
|
-0.18% |
1.28%
+18.7% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.82%
+24.4% YoY
+10.8% QoQ
|
+0.05% |
3.77%
+5.8% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
61.77%
-4.5% YoY
+1.1% QoQ
|
+7.76% |
54.01%
-3.7% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.37%
+67.0% YoY
+13.1% QoQ
|
-0.64% |
1.02%
-3.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
83.46%
+1.9% YoY
-0.1% QoQ
|
+2.67% |
80.79%
+1.9% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
29.78%
+1.5% YoY
+0.8% QoQ
|
+9.74% |
20.04%
+0.2% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.25%
+77.3% YoY
+16.2% QoQ
|
-0.47% |
0.72%
+4.2% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
12.89%
+1.4% YoY
+1.7% QoQ
|
-2.63% |
15.51%
-0.4% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.11%
-1.5% YoY
-72.9% QoQ
|
-0.11% |
0.22%
+0.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
31% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.