UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________________________________________ FORM 10-Q ____________________________________________________________ ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission file number 00 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________________________________________________________________________________________________________ FORM 10-K ________________________________________________________________________________________________________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF TH ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q4 2022 Earnings Conference Call January 27, 2023 11:00 AM ET Company Participants Randy Chesler - President & CEO Ron Copher - CFO Tom Dolan - Chief Credit Administrator Byron Pollan - Treasurer Conference Call Participants Jeff Rulis - D.A. Davidson Kelly Motta - KBW Operator Good day, and thank you for standing by. Welcome to the Glacier Bancorp Fourth Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presenta ...

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission file number 000-18911 ____________________________________________________________ GLACIER BANCORP, INC. (Exact name of registrant as specified in its charter) ____________________________________________________________ Montana 81-0519541 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) UNITED STATES SEC ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q3 2022 Earnings Conference Call October 21, 2022 11:00 AM ET Company Participants Randall Chesler - President & CEO Ron Copher - CFO Tom Dolan - Chief Credit Administrator Byron Pollan - Treasurer Conference Call Participants Jeff Rulis - D.A. Davidson Brandon King - Truist Securities Matthew Clark - Piper Sandler Kelly Motta - KBW Tim Coffey - Janney David Feaster - Raymond James Operator Good day, and thank you for standing by. Welcome to the Glacier Bancorp Third Quarte ...

FORM 10-Q ____________________________________________________________ ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________________________________________ ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ 49 Commons Loop Kalispell, ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q2 2022 Earnings Conference Call July 22, 2022 11:00 AM ET Company Participants Randall Chesler - President and Chief Executive Officer Ron Copher - Chief Financial Officer Tom Dolan - Chief Credit Administrator Byron Pollan - Treasurer Conference Call Participants Matthew Clark - Piper Sandler David Feaster - Raymond James Brandon King - Truist Securities Andrew Terrell - Stephens Jeff Rulis - D.A. Davidson Operator Good day. And thank you for standing by. Welcome to the ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________________________________________ FORM 10-Q ____________________________________________________________ ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission file number 00 ...

Financial Data and Key Metrics Changes - Net income for the quarter was $67.8 million, an increase of $17.1 million or 34% from the prior quarter's net income of $50.7 million [6] - Pre-tax pre-provision net revenue was $88.8 million, compared to the prior quarter of $87.9 million, an increase of $900,000 or 1% [6] - Earnings per share for the quarter was $0.61, versus $0.46 in the prior quarter [9] - Non-interest expense of $130 million decreased by $3.7 million or 3% from the prior quarter [8] - Non-interest income of $33.6 million declined by $799,000 or 2% from the prior quarter and decreased by $6.6 million or 16% from the same quarter last year [16] Business Line Data and Key Metrics Changes - The loan portfolio, excluding PPP loans, had strong organic growth during the quarter, up $407 million or 12% annualized [6] - Net interest income on a tax-equivalent basis was $190 million, with net interest income excluding PPP loans at $187 million, an increase of $3.2 million or 2% from the prior quarter [7] - Core deposits grew organically by $383 million or 7% during the quarter, with non-interest bearing deposits increasing by $211 million or 11% annualized [11] Market Data and Key Metrics Changes - Total debt securities of $10.1 billion decreased by $257 million or 2% from the prior quarter but increased by $3.7 billion or 57% from the prior year first quarter [12] - The yield on the loan portfolio ended the quarter at 4.59%, down 11 basis points from the prior quarter [14] - Non-performing assets improved to 24 basis points from 26 in the prior quarter [13] Company Strategy and Development Direction - The company aims for low double-digit growth outlook and is cautiously optimistic about future performance despite economic uncertainties [16] - The acquisition of Alta Bank is progressing well, with successful conversion to the core banking system and targeted cost savings expected to be realized in 2022 [19][20] - The company continues to focus on responsible growth with a through-the-cycle underwriting lens, particularly in commercial real estate lending [15] Management's Comments on Operating Environment and Future Outlook - Management noted that the economic uncertainty caused by rising interest rates and inflation has not yet materially impacted growth outside of the residential mortgage market [16] - Concerns regarding the real estate market include the supply of homes available for sale and the impact of increasing interest rates on affordability [17][48] - Management remains comfortable with credit quality and has tightened underwriting guidelines in response to market conditions [35] Other Important Information - The company declared a regular dividend of $0.33 per share, an increase of 3% over the prior quarter [10] - The allowance for credit loss reserves remained flat at 1.28% of total loans, reflecting strong credit metrics [9] Q&A Session Summary Question: What drove the lower expenses this quarter? - Management attributed the lower expenses to controlled compensation growth and effective expense management by divisions [23][24] Question: What are the loan yields and outlook? - New loan production yields were around 4.20%, which is about 20 basis points better than the last quarter [25][26] Question: How is organic growth shaping up? - Management indicated strong growth in commercial real estate and noted that Utah remains a key growth area [30][31] Question: What are the concerns regarding credit quality? - Management is closely monitoring the consumer book due to inflationary pressures but feels prepared for the uncertain market [32][34] Question: How does the company view deposit growth going forward? - Management expects deposit growth to slow but believes the foundation of relationship accounts will remain stable [36][38] Question: What is the appetite for M&A? - Management indicated no changes in M&A appetite and remains focused on the current integration of Alta Bank [60] Question: What is the expected tax rate for the year? - The expected tax rate is projected to be between 19% and 20% [61] Question: Is there a qualitative adjustment in the reserve? - Management confirmed there is a qualitative component but does not expect significant adjustments [62]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________________________________________________________________________________________________________ FORM 10-K ________________________________________________________________________________________________________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF TH ...