Q4: 2026-01-22 Earnings Summary

EPS of $0.55 misses by $0.07

| Revenue of $310.07M (39.05% Y/Y) beats by $4.19M

Glacier Bancorp, Inc. (GBCI) Q4 2025 Earnings Call January 23, 2026 11:00 AM EST

Company Participants

Randall Chesler - President, CEO & Director Tom Dolan - Senior VP & Chief Credit Officer Byron Pollan - Senior VP & Treasurer Ron Copher - Executive VP, CFO & Secretary

Conference Call Participants

David Feaster - Raymond James & Associates, Inc., Research Division Andrew Terrell - Stephens Inc., Research Division Kelly Motta - Keefe, Bruyette, & Woods, Inc., Research Division Jeff Rulis - D.A. Davidson & Co., Research Division Matthew Clark - Piper Sandler & Co., Research Division

Presentation

Operator

Good day, and thank you for standing by. Welcome to the Glacier Bancorp Fourth Quarter Earnings Conference Call. [Operator Instructions] Please be advised that today’s conference is being recorded.

I would now like to hand the conference over to your speaker today, Randy Chesler, President and CEO of Glacier Bancorp. Please go ahead.

Randall Chesler President, CEO & Director

Good morning, and thank you for joining us today. With me here in Kalispell is Ron Copher, our Chief Financial Officer; Tom Dolan, our Chief Credit Administrator; Angela Dose, our Chief Accounting Officer; and Byron Pollan, our Treasurer.

I’d like to point out that the discussion today is subject to the same forward-looking considerations outlined on Page 14 of our press release, and we encourage you to review this section.

2025 was a transformative year for Glacier Bancorp. We successfully closed two strategic acquisitions: Bank of Idaho in April and Guaranty Bank & Trust in October, growing our footprint in fast-growing Idaho and expanding our Southwest region to include the great state of Texas. These markets offer strong growth potential and fit seamlessly with our long-term growth strategy. We converted the Bank of Idaho business operating platform in September and plan to convert Guaranty Bank & Trust in February. This was the largest acquisition year in our history with