GLACIER BANCORP, INC. (GBCI) FY2025 10-K Annual Report
GLACIER BANCORP, INC. (GBCI) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 25, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
GLACIER BANCORP, INC. FY2025 10-K Analysis
Business Overview
- • Core business model: Regional banking services including deposit taking, lending, and wealth management
- • No new products, services, or segments introduced or emphasized in 2026 filing
- • No strategic shifts or changes in competitive positioning disclosed compared to prior year
- • No quantitative metrics such as employee count or R&D spend reported in business section
- • Most noteworthy: Filing includes multiple standard Sarbanes-Oxley Act certifications and a clawback policy filed February 23, 2024
Management Discussion & Analysis
- • No revenue or profitability data disclosed; focus on managing interest rate risk impact on net interest income
- • NII sensitivity within policy limits for Dec 31, 2025; one-year +100 bp shock increases NII by 3.21%
- • Two-year +200 bp shock scenario projects NII increase of 7.25%, worst case -200 bp shock shows 6.31% NII decline
- • ALCO asset/liability management includes 100-400 bp rate shocks and ramps, with monitoring over 1-5 year horizons
- • Forward-looking risk: sensitivity varies with market conditions, deposit behavior, and ALCO strategy adjustments
Risk Factors
- • Regulatory risk from Federal Reserve dividend guidance limiting dividends to earnings per share over past four quarters
- • Macroeconomic exposure to real estate markets across 9 states including recent Texas expansion impacting collateral values
- • Operational vulnerability from third-party service provider failures affecting critical banking functions and customer delivery
- • Competitive risk from fintech national bank charters and stablecoin regulations reshaping banking landscape and pricing pressure
- • Financial risk from $1.4B goodwill (33% of equity) potential impairment triggering losses and regulatory capital constraints
GLACIER BANCORP, INC. FY2025 Key Financial MetricsXBRL
Revenue
$101M
▲ +7.5% YoY
Net Income
$239M
▲ +25.7% YoY
Net Margin
236.5%
▲ +3424bp YoY
ROE
5.7%
▼ -23bp YoY
Total Assets
$32.0B
▲ +14.6% YoY
EPS (Diluted)
$1.99
▲ +18.5% YoY
Operating Cash Flow
$374M
▲ +45.1% YoY
Source: XBRL data from GLACIER BANCORP, INC. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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