BlastPoint's Banking Scorecard
Glacier Bank
Large
Specialty: Commercial
MT
FDIC cert 30788
Kalispell, MT
69
banks in Large tier nationally
2 in MT
View Large leaderboard (MT) →
Glacier Bank shows strong momentum with 1 strength and 14.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6% in Large
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.0B
+14.6% YoY
+10.2% QoQ
|
-$42.9B |
$74.9B
-4.4% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$20.7B
+21.2% YoY
+11.3% QoQ
|
-$25.7B |
$46.4B
-2.1% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$24.8B
+19.6% YoY
+12.3% QoQ
|
-$35.7B |
$60.5B
-4.5% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.90%
+23.6% YoY
+1.3% QoQ
|
-0.30% |
1.19%
+17.8% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.45%
+21.7% YoY
+4.6% QoQ
|
-0.01% |
3.46%
+13.1% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
61.10%
-8.0% YoY
-1.4% QoQ
|
+6.07% |
55.03%
-2.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.33%
+112.2% YoY
+16.3% QoQ
|
-0.55% |
0.88%
-0.3% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
83.58%
+1.3% YoY
-0.9% QoQ
|
+1.86% |
81.72%
+3.9% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
29.53%
-0.5% YoY
-2.5% QoQ
|
+9.56% |
19.97%
+0.5% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.22%
+116.6% YoY
+15.0% QoQ
|
-0.34% |
0.55%
+9.0% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
12.67%
+1.7% YoY
+0.7% QoQ
|
-0.66% |
13.33%
-0.7% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.41%
-8.9% YoY
+24.2% QoQ
|
-0.67% |
1.09%
+2.4% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#2 of 18 · Top 6% in Large
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.33%
(Tier: 0.88%, National: 0.66%)
18 of 18 Large banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.88%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.55%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 29.53% · Tier avg: 19.97%
51
51th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.46%
50
50th pctile
Loan-to-Deposit Ratio
Current: 83.58% · Tier avg: 81.72%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 13.33%
25
25th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 1.09%
25
25th pctile
Total Assets
Current: $32.0B · Tier avg: $74.9B
24
24th pctile
Efficiency Ratio
Current: 61.10% · Tier avg: 55.03%
23
23th pctile
Total Loans
Current: $20.7B · Tier avg: $46.4B
22
22th pctile
Total Deposits
Current: $24.8B · Tier avg: $60.5B
17
17th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.19%
Top Weaknesses
17
17th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.19%
22
22th pctile
Total Deposits
Current: $24.8B · Tier avg: $60.5B
23
23th pctile
Total Loans
Current: $20.7B · Tier avg: $46.4B
24
24th pctile
Efficiency Ratio
Current: 61.10% · Tier avg: 55.03%
25
25th pctile
Total Assets
Current: $32.0B · Tier avg: $74.9B
25
25th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 1.09%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 13.33%
50
50th pctile
Loan-to-Deposit Ratio
Current: 83.58% · Tier avg: 81.72%
51
51th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.46%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 29.53% · Tier avg: 19.97%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.55%
90
90th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.88%