Glacier Bancorp, Inc. (GBCI) SEC Filings & Earnings Calls

No material risk; orderly succession.

“No financial metrics or risk factors disclosed.”

Credit deterioration

“Net charge-offs for the current quarter were $5.9 million compared to $3.1 million in the prior quarter and $1.6 million for the prior year second quarter.” · word for word

Standard banking risks; no new material risks.

“Forward-looking statements with standard risk factors.”

Potential deposit cost pressure if rate environment changes; current low cost may not persist.

“Core deposit cost declined but remains sensitive to competitive dynamics and Fed policy.”

Loan growth may slow if economic conditions deteriorate or credit demand weakens.

“Loan growth 6% annualized, but macroeconomic uncertainty could impact future demand.”

Forward-looking statements highlight risks from interest rate changes, credit quality, and regulatory environment

“Risk factors include interest rate policies, credit quality, and regulatory changes”

Credit quality deterioration

“Non-performing assets to total subsidiary assets increased to 0.25% at March 31, 2026 from 0.22% at December 31, 2025 and 0.14% at March 31, 2025.”

Acquisition integration costs

“Acquisition-related expense was $8.9 million in the current quarter compared to $5.8 million in the prior quarter and $587 thousand in the prior year first quarter.” · word for word

Acquisition integration costs and compensation expenses may pressure near-term margins.

“The current quarter included $8.9 million in acquisition-related expenses and $2.8 million of compensation from acquisition-related employment agreements.” · word for word

Key person risk due to CFO retirement

“In February 2026, Mr. Copher announced that he intends to retire after a successor is appointed and that he will continue to serve in an advisory role for a period of time thereafter to ensure a smooth transition.” · word for word

Integration risk from record acquisition year

“This was the largest acquisition year in our history with over $4.7 billion in total assets acquired” · word for word

CRE credit deterioration

“Due to the recent trends in the banking industry, there has been increased risk associated with commercial real estate loans, including with respect to the higher vulnerability of these credits to pressure as interest rates remain elevated and market conditions in many large metropolitan areas continue to show signs of stress.” · word for word

Rising non-performing assets

“Non-performing assets of $68.9 million at December 31, 2025 increased $41.1 million, or 148 percent, over the prior year end.” · word for word

CFO transition could introduce uncertainty, but orderly succession plan mitigates risk.

“Mr. Copher will continue to serve as CFO until a successor is appointed and will serve in an advisory role for a period of time thereafter.” · word for word

No new risk signals; filing contains standard risk factor boilerplate.

“Risk factors are generic and not specific to current period.”

Acquisition-related expenses impacted net income; $36.0M in expenses for current year acquisitions.

“Including the $36.0 million of expenses related to the current year acquisitions, net income was $63.8 million for the current quarter, a decrease of $4.1 million, or 6 percent, from the prior quarter.” · word for word

Acquisition integration risk

“The Company incurred $9,128,000 of expenses in connection with the BOID acquisition during the nine months ended September 30, 2025.”

Credit loss provision increase

“The provision for credit loss expense was $35.7 million for the first nine months of 2025, an increase of $16.0 million, or 81 percent, over the same period in the prior year.” · word for word

Integration risk from recent acquisitions; exposure to interest rate and credit cycles

“Forward-looking statements highlight risks from interest rate policies, credit quality, and acquisition integration”