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Overview / Commentary
800-735-4371
49 Commons Loop
Kalispell, MT 59901

Glacier Bank is headquartered in Kalispell and is the largest bank in the state of Montana. It is also the 129th largest bank in the nation. It was established in 1955 and as of June of 2014, it had grown to 1,780 employees at 112 locations. Glacier Bank has a A+ health rating.

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Health

Data for Q2 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Glacier Bank had $93.88 million in non-current loans and owned real-estate with $1.21 billion in equity and loan loss allowances on hand to cover it. This gives Glacier Bank a Texas Ratio of 7.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Glacier Bank decreased slightly from 10.51% as of June 30, 2013 to 7.78% as of June 30, 2014, resulting in a positive change of 25.96%.This indicates that the balance sheet and financial strength for Glacier Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Glacier Bank has increased its total deposits by $403.26 million, resulting in 7.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Glacier Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Glacier Bank has $7.87 billion in assets with $1.21 billion in equity, resulting in a capitalization level of 15.32%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #30788
Year Established1955
Employees1780
Primary RegulatorFDIC
Assets and Liabilities
Assets$7.87 billion
Loans$4.13 billion
Deposits$5.81 billion
Equity Capital$1.08 billion
Loan Loss Allowance$130.64 million
Unbacked Noncurrent Loans$76.08 million
Real Estate Owned$17.81 million
Historic Data - June 2013
Assets$7.95 billion
Equity Capital$980.03 million
Loan Loss Allowance$130.88 million
Unbacked Noncurrent Loans$76.08 million
Real Estate Owned$28.90 million
Profit Margin - Quarterly
Return on Assets1.48%
Return on Equity11.03%
Interest Income$151.16 million
Rates

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Glacier Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.11%--Wall Street Savings
0.07%$10k-Montana Medical Savings Deposit Accounts
0.07%$10k-Health Savings
0.02%--Totally Free Savings

Glacier Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.12%$100k-Money Market Accounts

Glacier Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.02%--Wall Street Interest Checking
0.01%--Now Accounts

Glacier Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.70%$1k-60 Month CD
0.60%$1k-48 Month CD
0.50%$1k-36 Month CD
0.45%$1k-33 Month CD Special
0.40%$1k-24 Month CD
0.35%$1k-18 Month CD
0.25%$1k-12 Month CD
0.20%$1k-9 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Glacier Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.70%$1k-60 Month IRA
0.60%$1k-48 Month IRA
0.50%$1k-36 Month IRA
0.40%$1k-24 Month IRA
0.35%$1k-18 Month IRA
0.25%$25-12 Month Flex IRA
0.25%$1k-12 Month IRA
0.20%$1k-9 Month IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA
Locations

Glacier Bank has 101 locations. Click to view all Glacier Bank locations.