BlastPoint's Banking Scorecard
Glacier Bank
Kalispell, MT
261 branches across MT · ID · UT · TX · WA · CO · WY · AZ · NV
Glacier Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8.8% in tier
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency Ratio 7.87% 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
|
-$15.6B |
$47.4B
-2.0% YoY
|
$2.2B
+4.6% YoY
|
$6.2B
+9.0% YoY
|
61% |
| Total Loans ? |
$20.8B
+22.1% YoY
+0.5% QoQ
|
-$8.8B |
$29.6B
-0.4% YoY
|
$1.4B
+4.2% YoY
|
$3.2B
+10.7% YoY
|
61% |
| Total Deposits ? |
$24.9B
+19.9% YoY
+0.7% QoQ
|
-$13.8B |
$38.7B
-1.6% YoY
|
$1.8B
+7.6% YoY
|
$4.8B
+8.0% YoY
|
60% |
| Return on Assets ? |
1.10%
+31.1% YoY
+22.8% QoQ
|
-0.18% |
1.28%
+19.3% YoY
|
1.68%
-1.3% YoY
|
1.24%
+13.1% YoY
|
39% |
| Net Interest Margin ? |
3.82%
+24.4% YoY
+10.8% QoQ
|
+0.05% |
3.77%
+5.6% YoY
|
4.10%
+5.8% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
61.77%
-4.5% YoY
+1.1% QoQ
|
+7.87% |
53.90%
-4.0% YoY
|
58.72%
-5.2% YoY
|
66.84%
-3.8% YoY
|
27% |
| Delinquency Rate ? |
0.37%
+67.0% YoY
+13.1% QoQ
|
-0.65% |
1.02%
-4.1% YoY
|
1.39%
+39.3% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
83.46%
+1.9% YoY
-0.1% QoQ
|
+2.58% |
80.88%
+2.0% YoY
|
68.91%
-2.0% YoY
|
76.69%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
29.78%
+1.5% YoY
+0.8% QoQ
|
+9.96% |
19.82%
+0.3% YoY
|
25.97%
-0.3% YoY
|
22.01%
-1.1% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.25%
+77.3% YoY
+16.2% QoQ
|
-0.48% |
0.73%
+4.0% YoY
|
0.81%
+56.4% YoY
|
0.66%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
12.89%
+1.4% YoY
+1.7% QoQ
|
-2.67% |
15.56%
-0.1% YoY
|
19.61%
+0.3% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.11%
-1.5% YoY
-72.9% QoQ
|
-0.11% |
0.23%
+0.9% YoY
|
0.88%
+4.1% YoY
|
0.32%
+4.0% YoY
|
30% |
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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.