TellerScore

Glacier Bank (FDIC certificate #30788) is based in Kalispell, Montana. Its Q2 2026 call report shows $31.6B in total assets and $24.9B in deposits and 261 offices across 9 states.

Based on its Q2 2026 filing, Glacier Bank scores 68/100, which we describe as moderate. That is higher than 66% of 132 banks with $10 billion – $100 billion. Among 35 banks headquartered in Montana, it ranks 22nd. Its strongest component is problem-loan coverage (96/100; 2.0%), and its lowest is capital cushion (51/100; 10.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.10%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 85.1% · 34.0% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (65 → 68), mostly because the earnings component improved by 15 points.

TellerScore
646668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202464
Q1 202565
Q2 202565
Q3 202565
Q4 202565
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%7.55%10.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.09%
Q3 20248.90%
Q4 20248.77%
Q1 20259.07%
Q2 20259.47%
Q3 20259.38%
Q4 20259.33%
Q1 20269.80%
Q2 202610.10%
Noncurrent loans
0.10%0.26%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.16%
Q4 20240.15%
Q1 20250.22%
Q2 20250.25%
Q3 20250.28%
Q4 20250.33%
Q1 20260.37%
Q2 20260.42%
Return on assets
0.61%0.90%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.66%
Q4 20240.73%
Q1 20250.84%
Q2 20250.83%
Q3 20250.89%
Q4 20250.90%
Q1 20261.10%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$31.6B10.10%0.42%1.20%85.1%
Q1 202667$31.7B9.80%0.37%1.10%83.5%
Q4 202565$32.0B9.33%0.33%0.90%83.6%
Q3 202565$29.0B9.38%0.28%0.89%84.3%
Q2 202565$29.0B9.47%0.25%0.83%84.2%
Q1 202565$27.8B9.07%0.22%0.84%81.9%
Q4 202464$27.9B8.77%0.15%0.73%82.5%
Q3 202464$28.2B8.90%0.16%0.66%81.5%
Q2 202464$27.8B9.09%0.10%0.61%82.4%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.10%
48th
Total risk-based capital14.21%
56th
Problem loans0.42%
78th
Net charge-offs0.08%
61st
Return on assets1.20%
44th
Net interest margin3.89%
71st
Efficiency ratio59.0%
29th
Loans to deposits85.1%
54th
Uninsured deposits34.0%
61st
Loan-loss reserves1.21%
60th
Texas ratio2.0%
82nd

Similar-size banks in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs

Deposit insurance

Is my money safe at Glacier Bank?

Yes. Glacier Bank is an FDIC-insured institution (FDIC certificate #30788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.0% of deposits ($8.4B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.21% (benchmark: 10%).

Check how much of your own balance is covered

261 locations

Branches

Glacier Bank lists 236 offices in 185 cities across 9 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 71 consumer complaints about Glacier Bancorp Inc. to the company (36 in the last 12 months). 98.6% received a timely response. That is 2.9 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Glacier Bank reported 7,492 home-loan applications under HMDA (LEI 549300ESRQ6OLBB56N04): 4,789 originated ($1,959,385,000 total), 1,218 denied, and 1,416 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Glacier Bank
Former names
Glacier Bank F.S.B.; First Federal Savings Bank of Montana
Type
State-chartered bank
FDIC certificate #
30788
RSSD ID
2634191
Primary regulator
FDIC
Holding company
Glacier Bcorp Inc
Established
July 15, 1955
Headquarters
49 Commons Loop, Kalispell, MT 59901
Employees
4,118

Quick answers

Glacier Bank: common questions

Is Glacier Bank FDIC insured?

Yes. Glacier Bank is an FDIC-insured institution (FDIC certificate #30788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Glacier Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Glacier Bank ever failed?

There is no failure record for FDIC certificate #30788 in the FDIC failed bank list.

How many branches does Glacier Bank have?

261 offices as of the latest FDIC data, in 9 states.

Nearby

Highest-scoring banks and credit unions with branches near Kalispell

InstitutionScoreAssetsCapitalProblem loansCompare
American BankBank Bozeman, MT79 out of 100, Strong$630.4M11.1%0.00%vs
Freedom BankBank Columbia Falls, MT78 out of 100, Strong$157.3M12.2%0.54%vs
Whitefish Credit Union AssociationCredit union Whitefish, MT76 out of 100, Strong$2.1B12.7%0.15%vs
First Montana Bank, Inc.Bank Missoula, MT73 out of 100, Strong$530.3M10.2%0.13%vs
Valley Bank of KalispellBank Kalispell, MT72 out of 100, Strong$218.1M9.5%0.35%vs
Three Rivers Bank of MontanaBank Kalispell, MT71 out of 100, Strong$293.1M11.7%0.93%vs