Glacier Bancorp, Inc. (NYSE:GBCI) Q4 2021 Earnings Conference Call January 28, 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 Angela Dose - Chief Accounting Officer Conference Call Participants David Feaster - Raymond James Jeff Rulis - D.A. Davidson Brandon King - Truist Securities Kelly Motta - KBW Matthew Clark - Piper Sandler Operator Thank you for standing ...

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 September 30, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission file numbe ...

Financial Data and Key Metrics Changes - Net income for the first nine months of the year was $234 million, an increase of $50 million or 27% from the $185 million in the first nine months of the prior year [6] - Pre-tax pre-provision income was $285 million for the first nine months of the current year, an increase of $18 million or 7% compared to the $266 million in the prior year [6] - Net interest income, excluding PPP loans for the current quarter, was $154 million, an increase of $4.6 million or 3% from the prior quarter [7] - Efficiency ratio for the current quarter was 50.17%, compared to 49.92% in the prior quarter [20] Business Line Data and Key Metrics Changes - The loan portfolio, excluding Payroll Protection Program loans, had strong growth of $382 million or 14% annualized [5] - Core deposits grew $742 million or 18% during the quarter and $2.7 billion or 25% annualized from the beginning of the year [5] - Non-performing assets decreased $1.9 million or 4% from the prior quarter, ending the quarter at $51.2 million [8] Market Data and Key Metrics Changes - Excellent loan growth was observed in Wyoming, Arizona, and Idaho, with total market growth of $382 million or 14% annualized, excluding PPP loans [10] - Non-interest bearing deposits increased $325 million or 5% over the last quarter and $1.2 billion or 21% from the prior year third quarter [15] Company Strategy and Development Direction - The company is focused on disciplined lending and risk management strategies while avoiding a race to the bottom on credit [12] - The merger with Altabancorp is proceeding well, with a focus on integration and leveraging Altabancorp's technology platform [21][22] - The company aims to maintain a strong pipeline of new loans and is optimistic about closing out 2021 with growth closer to 8% to 10% [13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the loan growth momentum entering the fourth quarter and the strong pipeline of new loans [13][23] - The company is optimistic about 2022, citing strong market conditions and business formation trends in their footprint [50] Other Important Information - The company declared a quarterly dividend of $0.32 a share, marking 146 consecutive quarterly dividends [9] - The net interest margin for the current quarter was 3.39%, down from 3.44% in the prior quarter [17] Q&A Session Summary Question: Health of the portfolio at Altabancorp - The portfolio is healthy, with non-performing assets at 15 basis points, and the credit cultures of both banks are similar, facilitating integration [29] Question: Growth potential of Altabancorp - Altabancorp is well-positioned for growth, leveraging Glacier's resources and the strong economic environment in Utah [30][31] Question: Expense outlook post-merger - Excluding merger-related expenses, the estimated run rate for the fourth quarter is $122 million to $125 million, with potential cost savings in 2022 [32] Question: Trends in mortgage business - The mortgage business is expected to perform well, with a forecasted decline in origination volumes being less severe than industry predictions due to the addition of Altabancorp [39] Question: Competition in commercial real estate - There is strong competition in pricing, especially in larger metro markets, but the company maintains a focus on credit quality [43] Question: Business formation trends - There is an increase in business relocations and expansions within the footprint, particularly in Arizona, which is attracting businesses from California [49]

INVESTOR PRESENTATION September 2021 Forward-Looking Statements 1 This presentation may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements about management's plans, objectives, expectations and intentions that are not historical facts, and other statements identified by words such as "expects," "anticipates," "intends," "plans," "believes," "should," "projects," "seeks," " ...

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 June 30, 2021 ☐ 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 ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q2 2021 Results Conference Call July 23, 2021 11:00 AM ET Company Participants Randy Chesler - President and CEO Ron Copher - Chief Financial Officer Angela Dose - Chief Accounting Officer Byron Pollan - Treasurer Tom Dolan - Chief Credit Administrator Don Chery - Chief Administrative Officer Conference Call Participants Jeff Rulis - D.A. Davidson Matthew Clark - Piper Sandler Jackie Bohlen - KBW Tim Coffey - Janney Brandon King - Truist Operator Good morning, ladies and ge ...

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, 2021 ☐ 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 ...

Altabancorp (ALTA) Q1 2021 Earnings Conference Call April 29, 2021 12:00 PM ET Company Participants Mark Olson - Executive Vice President and Chief Financial Officer Len Williams - President and Chief Executive Officer Conference Call Participants David Feaster - Raymond James Jeffrey Rulis - D.A. Davidson & Co. Andrew Liesch - Piper Sandler John Rodis - Janney Montgomery Scott Operator Good day and thank you for standing by. Welcome to the Altabancorp Q1 Earnings Call. At this time, all participants are in ...

Investor Presentation First Quarter 2021 Len Williams, President and Chief Executive Officer Mark Olson, EVP and Chief Financial Officer April 28, 2021 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties, including, but not limited to: ▪ The duration and impact of the COVID-19 pandemic; ▪ Changes in general economic conditions, eithe ...

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, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF TH ...