Glacier Bank Mortgage Rates, Fees & Info

Kalispell, MT

LEI: 549300ESRQ6OLBB56N04

Tax ID: 81-0251125

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Glacier Bank is a small bank specializing in Home Purchase loans. Glacier Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Bozeman, Kalispell, Billings, Missoula, and Spokane among others. We have data for 79 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Glacier Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Glacier Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/22/24
    30 Year Conventional Purchase 6.50% 11/22/24
    30 Year Conventional Refi 6.35% 11/22/24
    30 Year Cash-out Refi 6.58% 11/22/24
    30 Year FHA Purchase 7.22% 11/22/24
    30 Year FHA Refi 6.27% 11/22/24
    30 Year VA Purchase 6.06% 11/22/24
    30 Year VA Refi 5.78% 11/22/24
    30 Year USDA Purchase 6.47% 11/22/24
    15 Year Conventional Purchase 6.19% 11/22/24
    15 Year Conventional Refi 5.98% 11/22/24
    15 Year Cash-out Refi 5.98% 11/22/24
    15 Year VA Purchase 5.67% 11/22/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Glacier Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Glacier Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    7,861

    Origination Dollar Volume (All Markets)

    $1,700,555,000

    Employee count

    2,461 Show all (22) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 1,538 $270,710,000 $176,014 $4,440 4.87%
    Outside of Metro Areas 893 $202,385,000 $226,635 $6,080 4.74%
    Bozeman, MT (FHA|USDA|VA) 650 $183,270,000 $281,954 $5,020 5.01%
    Kalispell, MT (FHA|USDA|VA) 751 $169,935,000 $226,278 $4,234 4.75%
    BILLINGS, MT (FHA|USDA|VA) 661 $139,885,000 $211,626 $5,768 4.65%
    MISSOULA, MT (FHA|USDA|VA) 558 $111,360,000 $199,570 $4,651 4.87%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 352 $79,660,000 $226,307 $5,608 4.62%
    Sandpoint, ID (FHA|USDA|VA) 255 $70,145,000 $275,078 $6,174 4.79%
    Helena, MT (FHA|USDA|VA) 422 $66,600,000 $157,820 $3,892 4.97%
    BOISE CITY, ID (FHA|USDA|VA) 306 $52,410,000 $171,275 $5,759 4.75%
    POCATELLO, ID (FHA|USDA|VA) 322 $51,030,000 $158,478 $4,022 4.78%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 121 $41,035,000 $339,132 $6,014 5.86%
    Butte-Silver Bow, MT (FHA|USDA|VA) 155 $28,655,000 $184,871 $4,833 4.89%
    Durango, CO (FHA|USDA|VA) 85 $23,865,000 $280,765 $3,497 4.73%
    GREAT FALLS, MT (FHA|USDA|VA) 14 $22,300,000 $1,592,857 $6,882 5.46%
    Heber, UT (FHA|USDA|VA) 52 $21,970,000 $422,500 $8,315 4.72%
    WENATCHEE, WA (FHA|USDA|VA) 61 $21,725,000 $356,148 $6,269 4.88%
    Rexburg, ID (FHA|USDA|VA) 20 $16,180,000 $809,000 $5,507 5.02%
    IDAHO FALLS, ID (FHA|USDA|VA) 79 $15,845,000 $200,570 $4,228 4.68%
    Blackfoot, ID (FHA|USDA|VA) 52 $13,520,000 $260,000 $4,008 4.80%
    Hailey, ID (FHA|USDA|VA) 55 $9,465,000 $172,091 $5,829 5.01%
    GRAND JUNCTION, CO (FHA|USDA|VA) 40 $7,760,000 $194,000 $3,080 4.78%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 43 $7,035,000 $163,605 $3,770 5.04%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 24 $6,260,000 $260,833 $4,002 4.77%
    Evanston, WY (FHA|USDA|VA) 41 $6,115,000 $149,146 $3,435 4.88%
    PUEBLO, CO (FHA|USDA|VA) 34 $6,010,000 $176,765 $3,182 5.49%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 25 $5,135,000 $205,400 $4,965 5.09%
    SALT LAKE CITY, UT (FHA|USDA|VA) 19 $4,465,000 $235,000 $3,596 4.95%
    Rock Springs, WY (FHA|USDA|VA) 26 $4,160,000 $160,000 $3,635 4.82%
    Steamboat Springs, CO (FHA|USDA|VA) 26 $4,130,000 $158,846 $3,258 4.89%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 22 $3,290,000 $149,545 $3,300 4.79%
    TWIN FALLS, ID (FHA|USDA|VA) 12 $3,190,000 $265,833 $4,704 5.10%
    Cañon City, CO (FHA|USDA|VA) 15 $2,375,000 $158,333 $3,209 5.29%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $2,205,000 $2,205,000 $0 4.95%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $1,990,000 $331,667 $5,169 4.01%
    Craig, CO (FHA|USDA|VA) 13 $1,745,000 $134,231 $4,535 5.14%
    YUMA, AZ (FHA|USDA|VA) 19 $1,675,000 $88,158 $0 5.82%
    FARGO, ND-MN (FHA|USDA|VA) 1 $1,675,000 $1,675,000 $0 4.95%
    Glenwood Springs, CO (FHA|USDA|VA) 3 $1,385,000 $461,667 $4,074 5.61%
    PROVO-OREM, UT (FHA|USDA|VA) 6 $1,340,000 $223,333 $0 5.20%
    Edwards, CO (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $8,565 5.88%
    ST. GEORGE, UT (FHA|USDA|VA) 5 $1,185,000 $237,000 $5,843 4.82%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $1,100,000 $275,000 $5,093 4.52%
    LOGAN, UT-ID (FHA|USDA|VA) 4 $970,000 $242,500 $3,185 5.56%
    Jackson, WY-ID (FHA|USDA|VA) 4 $950,000 $237,500 $4,191 4.93%
    Pullman, WA (FHA|USDA|VA) 4 $870,000 $217,500 $4,347 4.84%
    Mountain Home, ID (FHA|USDA|VA) 5 $855,000 $171,000 $4,751 4.64%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $725,000 $241,667 $4,407 5.00%
    TUCSON, AZ (FHA|USDA|VA) 4 $580,000 $145,000 $2,781 5.19%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $545,000 $181,667 $4,790 4.54%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $505,000 $505,000 $0 6.00%
    Gillette, WY (FHA|USDA|VA) 2 $470,000 $235,000 $8,329 4.13%
    Centralia, WA (FHA|USDA|VA) 3 $465,000 $155,000 $0 5.13%
    Laramie, WY (FHA|USDA|VA) 3 $405,000 $135,000 $3,534 4.19%
    ALBUQUERQUE, NM (FHA|USDA|VA) 2 $390,000 $195,000 $0 5.65%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $380,000 $190,000 $3,825 5.13%
    BEND, OR (FHA|USDA|VA) 1 $375,000 $375,000 $0 5.78%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $365,000 $365,000 $2,951 5.00%
    Ontario, OR-ID (FHA|USDA|VA) 3 $345,000 $115,000 $4,280 5.02%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $340,000 $170,000 $0 5.35%
    Spearfish, SD (FHA|USDA|VA) 1 $335,000 $335,000 $0 5.50%
    GREELEY, CO (FHA|USDA|VA) 2 $300,000 $150,000 $4,003 5.31%
    Show Low, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.55%
    CASPER, WY (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.10%
    Moses Lake, WA (FHA|USDA|VA) 2 $280,000 $140,000 $1,485 5.19%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $275,000 $275,000 $1,343 4.75%
    BOULDER, CO (FHA|USDA|VA) 1 $245,000 $245,000 $0 6.25%
    CHEYENNE, WY (FHA|USDA|VA) 1 $245,000 $245,000 $4,167 3.88%
    LONGVIEW, WA (FHA|USDA|VA) 1 $215,000 $215,000 $4,654 4.50%
    Burley, ID (FHA|USDA|VA) 2 $200,000 $100,000 $3,937 4.58%
    YAKIMA, WA (FHA|USDA|VA) 1 $185,000 $185,000 $2,037 4.75%
    Moscow, ID (FHA|USDA|VA) 1 $185,000 $185,000 $3,829 4.75%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.75%
    Scottsbluff, NE (FHA|USDA|VA) 4 $150,000 $37,500 $3,055 5.33%
    Vernal, UT (FHA|USDA|VA) 2 $130,000 $65,000 $0 4.55%
    FARMINGTON, NM (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.40%
    Aberdeen, WA (FHA|USDA|VA) 1 $45,000 $45,000 $2,276 4.88%
    Montrose, CO (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.30%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $15,000 $15,000 $0 8.54%
    Glacier Bank's top markets include Bozeman, Kalispell, Billings, Missoula, and Spokane among others.

    Their top states include:
  • Montana (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Wyoming (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Glacier Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CLEARWATER Federal Credit Union
    Similarity Rank: 51
    LA Financial Federal Credit Union
    Similarity Rank: 57
    BEEHIVE
    Similarity Rank: 98
    Stockman Bank of Montana
    Similarity Rank: 168
    Great Basin Federal Credit Union
    Similarity Rank: 220
    PARK SIDE FINANCIAL
    Similarity Rank: 228
    CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION
    Similarity Rank: 255
    State Bank of Southern Utah
    Similarity Rank: 256
    SPOKANE FIREFIGHTERS CREDIT UNION
    Similarity Rank: 275
    Jordan Federal Credit Union
    Similarity Rank: 294

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,163 $1,175,485,000 $282,365 $4,534 4.89%
    HELOC 2,903 $350,365,000 $120,691 n/a 4.93%
    FHA 379 $75,695,000 $199,723 $7,506 4.32%
    VA 269 $72,505,000 $269,535 $7,027 4.35%
    USDA 147 $26,505,000 $180,306 $5,633 4.19%

    For 2018, Glacier Bank's most frequently originated type of loan was Conventional, with 4,163 originations. Their 2nd most popular type was HELOC, with 2,903 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,255 $1,180,145,000 $277,355 $5,221 4.74%
    Other 1,094 $119,120,000 $108,885 $3,170 5.00%
    Refi 1,042 $189,930,000 $182,274 $3,794 4.98%
    Home Improvement 911 $87,265,000 $95,790 $2,299 5.04%
    Cash Out Refi 559 $124,095,000 $221,995 $4,643 4.73%

    For 2018, Glacier Bank's most frequently cited loan purpose was Home Purchase, with 4,255 originations. The 2nd most popular reason was Other, with 1,094 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,920 $1,035,850,000 $264,247 $5,258 4.64%
    15 Year 2,987 $375,915,000 $125,850 $3,632 4.88%
    Other 298 $154,510,000 $518,490 $3,149 5.06%
    20 Year 212 $57,390,000 $270,708 $4,060 5.20%
    10 Year 210 $17,760,000 $84,571 $801 6.24%
    1 Year 115 $36,195,000 $314,739 $5,337 5.94%
    5 Year 98 $14,730,000 $150,306 $721 5.68%
    3 Year 21 $8,205,000 $390,714 $10,594 5.61%

    For 2018, Glacier Bank's most frequently cited loan duration was 30 Year, with 3,920 originations. The 2nd most popular length was 15 Year, with 2,987 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,186 $273,530,000 $230,632
    $1k-2k 1,022 $184,840,000 $180,861
    $2k-3k 1,002 $224,790,000 $224,341
    $3k-4k 511 $152,135,000 $297,720
    $5k+ 275 $173,345,000 $630,345
    $4k-5k 190 $71,150,000 $374,474

    Glacier Bank's average total fees were $5,258, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,186 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 5,136 $1,159,220,000 $225,705
    5-6% 1,757 $378,125,000 $215,211
    3-4% 563 $128,135,000 $227,593
    6-7% 272 $29,050,000 $106,801
    Over 8% 53 $1,785,000 $33,679
    7-8% 49 $2,995,000 $61,122
    <2.5% 17 $915,000 $53,824
    2.5-3% 2 $260,000 $130,000

    During 2018, Glacier Bank's average interest rate for loans was 4.64%, while their most frequently originated rate bucket for loans was 4-5%, with 5,136 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,616 $708,870,000 $270,975 $5,416 4.69%
    $100k-200k 2,268 $333,500,000 $147,046 $4,121 4.74%
    $100,000 or less 2,235 $115,505,000 $51,680 $2,008 5.15%
    $400k-600k 512 $237,070,000 $463,027 $6,399 4.73%
    $600k-1MM 147 $110,705,000 $753,095 $9,738 4.80%
    $1MM+ 83 $194,905,000 $2,348,253 $16,540 4.95%

    2018 saw Glacier Bank place emphasis on $200k-400k loans with 2,616 originations, totaling $708,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,741 $281,685,000 $161,795 $4,770 4.81%
    $50k or less 1,437 $165,235,000 $114,986 $4,014 4.87%
    $100k-150k 1,381 $293,865,000 $212,791 $5,377 4.82%
    $75k-100k 1,257 $235,485,000 $187,339 $4,965 4.82%
    $150k-250k 853 $221,335,000 $259,478 $5,580 4.78%
    $250k+ 622 $257,640,000 $414,212 $7,626 4.75%

    Glacier Bank lent most frequently to those with incomes in the $50k-75k range, with 1,741 originations. The second most popular income band? $50k or less, with 1,437 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,731 $314,405,000 $181,632 $4,662 4.80%
    30-36% 1,352 $275,860,000 $204,038 $5,093 4.78%
    <20% 1,136 $211,420,000 $186,109 $4,756 4.80%
    42% 380 $75,030,000 $197,447 $4,959 4.85%
    40% 302 $59,330,000 $196,457 $5,071 4.86%
    38% 296 $56,980,000 $192,500 $4,754 4.84%
    41% 296 $59,770,000 $201,926 $5,284 4.77%
    39% 286 $59,890,000 $209,406 $5,570 4.81%
    36% 249 $53,955,000 $216,687 $5,101 4.76%
    37% 224 $44,830,000 $200,134 $5,044 4.91%
    44% 165 $35,925,000 $217,727 $5,003 4.68%
    43% 165 $37,795,000 $229,061 $4,979 4.75%
    45% 147 $33,515,000 $227,993 $5,079 4.60%
    49% 132 $33,160,000 $251,212 $5,188 4.70%
    46% 129 $28,145,000 $218,178 $4,757 4.73%
    50-60% 127 $28,135,000 $221,535 $6,800 4.63%
    47% 114 $27,530,000 $241,491 $4,840 4.70%
    48% 113 $27,985,000 $247,655 $4,828 4.72%
    >60% 34 $7,830,000 $230,294 $4,263 4.99%

    Glacier Bank lent most frequently to those with DTI ratios of 20-30%, with 1,731 originations. The next most common DTI ratio? 30-36%, with 1,352 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,873 $1,355,315,000 $197,194 $4,982 4.81%
    Not applicable 346 $202,080,000 $584,046 $1,822 5.69%
    Not provided 498 $115,690,000 $232,309 $5,327 4.78%
    Asian 48 $11,260,000 $234,583 $4,947 4.69%
    American Indian 62 $9,900,000 $159,677 $4,888 4.70%
    Black 16 $3,640,000 $227,500 $6,021 4.78%
    Native Hawaiian or Islander 14 $2,480,000 $177,143 $5,469 5.18%
    Other Asian 2 $110,000 $55,000 $2,131 4.40%
    Chinese 1 $45,000 $45,000 $0 3.95%
    Japanese 1 $35,000 $35,000 $0 5.70%

    Approval Rates

    Total approvals of all applications
    90.77%

    Glacier Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.02%

    Glacier Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 8 $90,000 $11,250
    100.0 27 $875,000 $32,407
    126.0 2 $30,000 $15,000
    150.0 1 $15,000 $15,000
    175.0 3 $45,000 $15,000
    180.0 1 $15,000 $15,000
    207.0 1 $25,000 $25,000
    215.0 1 $25,000 $25,000
    217.5 1 $35,000 $35,000
    230.0 1 $25,000 $25,000
    238.0 1 $25,000 $25,000
    275.0 1 $25,000 $25,000
    283.0 1 $25,000 $25,000
    315.0 1 $35,000 $35,000
    371.5 1 $35,000 $35,000
    380.0 1 $35,000 $35,000
    405.0 1 $45,000 $45,000
    65.0 2 $10,000 $5,000
    NA 7,806 $1,699,140,000 $217,671

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 13 $5,055,000 $388,846
    Multifamily:Site-Built 68 $121,420,000 $1,785,588
    Single Family (1-4 Units):Manufactured 312 $31,680,000 $101,538
    Single Family (1-4 Units):Site-Built 7,468 $1,542,400,000 $206,535

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,224 $155,850,000 $127,328 $3,300 4.92%
    40-60% 936 $220,170,000 $235,224 $4,362 4.85%
    60-80% 2,246 $689,070,000 $306,799 $4,936 4.87%
    80-100% 2,073 $535,135,000 $258,145 $5,561 4.61%
    Over 100% 49 $28,835,000 $588,469 $12,195 4.38%
    Under 20% 1,328 $70,110,000 $52,794 $827 5.10%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Glacier Bank 1 North Parkway Colorado City, CO 81019 Full Service B&M $28,765
    Glacier Bank 100 East Broadway Missoula, MT 59806 Full Service B&M $73,875
    Glacier Bank 100 N. Main Street Hamilton, MT 59840 Full Service B&M $101,399
    Glacier Bank 1001 Main Street Evanston, WY 82930 Full Service B&M $121,339
    Glacier Bank 1005 Highway 97 Brewster, WA 98812 Full Service B&M $46,646
    Glacier Bank 101 South Lane Avenue East Helena, MT 59635 Full Service B&M $34,134
    Glacier Bank 101 W Ironwood Dr. Suite 210 Coeur D Alene, ID 83814 Full Service Cyber Office $0
    Glacier Bank 101 West 5th Street Pueblo, CO 81003 Full Service B&M $45,540
    Glacier Bank 1010 Wilson Street Pinedale, WY 82941 Limited, Drive-thru $0
    Glacier Bank 105 Centennial Plaza Buena Vista, CO 81211 Full Service B&M $78,607
    Glacier Bank 106 E. Babcock Bozeman, MT 59715 Full Service B&M $59,659
    Glacier Bank 106 South Electric West Yellowstone, MT 59758 Full Service B&M $40,625
    Glacier Bank 106 West Locust Street Waterville, WA 98858 Full Service B&M $18,561
    Glacier Bank 107 South Fulton Thompson Falls, MT 59873 Full Service B&M $87,462
    Glacier Bank 110 South Main Street Brigham City, UT 84302 Full Service B&M $73,166
    Glacier Bank 11689 South Foothills Boulevard Yuma, AZ 85367 Full Service B&M $118,620
    Glacier Bank 120 North State Street Morgan, UT 84050 Full Service B&M $67,517
    Glacier Bank 121 East 1st Street Laurel, MT 59044 Full Service B&M $57,508
    Glacier Bank 1223 12th Avenue Road Nampa, ID 83651 Full Service B&M $43,843
    Glacier Bank 12321 East Mission Avenue Spokane Valley, WA 99206 Full Service B&M $67,088
    Glacier Bank 125 Ironwood Drive Coeur D Alene, ID 83814 Full Service B&M $228,025
    Glacier Bank 1323 Highway 2 Sandpoint, ID 83864 Full Service B&M $67,873
    Glacier Bank 135 Center Street Kalispell, MT 59901 Limited, Drive-thru $0
    Glacier Bank 1405 Sixteenth Street Wheatland, WY 82201 Full Service B&M $141,179
    Glacier Bank 1410 E. Valley Highway 26 Torrington, WY 82240 Full Service B&M $72,679
    Glacier Bank 1426 Sheridan Avenue Cody, WY 82414 Full Service B&M $3,198
    Glacier Bank 1433 N. Pinal Ave Casa Grande, AZ 85122 Full Service B&M $21,459
    Glacier Bank 144 East Eighth Street Durango, CO 81301 Full Service B&M $119,975
    Glacier Bank 1502-1504 Main Street Fort Benton, MT 59442 Full Service B&M $70,277
    Glacier Bank 1507 8th Street Cody, WY 82414 Full Service B&M $98,293
    Glacier Bank 1539 East Iron Eagle Drive Eagle, ID 83616 Full Service B&M $64,079
    Glacier Bank 1546 Main Street Billings, MT 59105 Full Service B&M $55,801
    Glacier Bank 1660 North Eagle Rd Meridian, ID 83646 Full Service B&M $73,412
    Glacier Bank 1704 Dearborn Avenue Missoula, MT 59801 Full Service B&M $345,435
    Glacier Bank 1710 N. Main Durango, CO 81301 Full Service B&M $31,975
    Glacier Bank 1715 W. Kathleen Avenue Coeur D Alene, ID 83815 Full Service B&M $44,141
    Glacier Bank 1776 Park Avenue Park City, UT 84060 Full Service B&M $74,831
    Glacier Bank 188 Pine Street Okanogan, WA 98840 Full Service B&M $22,801
    Glacier Bank 1880 Harrison Ave Butte, MT 59702 Full Service B&M $116,701
    Glacier Bank 1880 Harrison Avenue Butte, MT 59701 Limited, Drive-thru $0
    Glacier Bank 1900 9th Avenue Helena, MT 59601 Full Service B&M $46,895
    Glacier Bank 2 Amherst Avenue Pueblo, CO 81005 Full Service B&M $11,817
    Glacier Bank 2000 Flandro Drive Pocatello, ID 83202 Full Service B&M $42,331
    Glacier Bank 201 North Main Avenue Choteau, MT 59422 Full Service B&M $54,633
    Glacier Bank 201 South Main Pocatello, ID 83204 Limited, Administrative $0
    Glacier Bank 2024 Caldwell Boulevard Nampa, ID 83651 Full Service B&M $47,216
    Glacier Bank 206 N Main Street Hailey, ID 83333 Full Service B&M $79,641
    Glacier Bank 208 East Main Street Bozeman, MT 59715 Full Service B&M $365,467
    Glacier Bank 2101 Fremont Drive Canon City, CO 81212 Full Service B&M $39,447
    Glacier Bank 2101 North Ursula Street Aurora, CO 80045 Full Service B&M $24,670
    Glacier Bank 217 Main Street Ione, WA 99139 Full Service B&M $22,424
    Glacier Bank 2199 Highway 2 East Kalispell, MT 59901 Full Service B&M $29,389
    Glacier Bank 220 North Johnson Street Chelan, WA 98816 Full Service B&M $90,918
    Glacier Bank 221 E. Pine Street Pinedale, WY 82941 Full Service B&M $72,310
    Glacier Bank 222 Dewey Avenue Eureka, MT 59917 Full Service B&M $43,916
    Glacier Bank 222 West Main Street Rangely, CO 81648 Full Service B&M $56,888
    Glacier Bank 224 West Main Street Lewistown, MT 59457 Full Service B&M $155,285
    Glacier Bank 2285 South 4th Avenue Yuma, AZ 85364 Full Service B&M $119,453
    Glacier Bank 236 3rd Street, Se East Wenatchee, WA 98802 Full Service B&M $17,066
    Glacier Bank 2401 Grand Avenue Billings, MT 59102 Full Service B&M $104,129
    Glacier Bank 245 East First Powell, WY 82435 Full Service B&M $152,180
    Glacier Bank 2452 Highway 6 And 50 Grand Junction, CO 81505 Full Service B&M $51,324
    Glacier Bank 250 West Whalen Guernsey, WY 82214 Full Service B&M $23,559
    Glacier Bank 2601 Garfield Missoula, MT 59801 Full Service B&M $71,091
    Glacier Bank 2675 King Avenue West Billings, MT 59102 Full Service B&M $64,172
    Glacier Bank 270 Anglers Drive Steamboat Springs, CO 80488 Full Service B&M $19,073
    Glacier Bank 2775 Acrin Avenue Grand Junction, CO 81503 Full Service B&M $15,105
    Glacier Bank 2797 South 25th East Idaho Falls, ID 83406 Full Service B&M $31,839
    Glacier Bank 280 South Arthur Avenue Pocatello, ID 83204 Full Service B&M $77,519
    Glacier Bank 2812 1st Avenue North Billings, MT 59101 Full Service B&M $265,096
    Glacier Bank 284 East Main Street Lovell, WY 82431 Full Service B&M $18,914
    Glacier Bank 2845 Old Hardin Road Billings, MT 59101 Full Service B&M $19,675
    Glacier Bank 297 Woodside Cutoff Road Corvallis, MT 59828 Full Service B&M $17,507
    Glacier Bank 2970 East Saint Lukes Drive Meridian, ID 83642 Limited, Drive-thru $0
    Glacier Bank 300 Jackrabbit Lane Belgrade, MT 59714 Full Service B&M $35,788
    Glacier Bank 3010 American Way Missoula, MT 59808 Full Service B&M $90,547
    Glacier Bank 3030 North Montana Avenue Helena, MT 59601 Full Service Cyber Office $0
    Glacier Bank 3030 North Montana Avenue Helena, MT 59601 Full Service B&M $184,225
    Glacier Bank 3045 North Reserve Street Missoula, MT 59808 Full Service Retail $35,644
    Glacier Bank 305 Hot Springs Boulevard Pagosa Springs, CO 81147 Full Service B&M $53,808
    Glacier Bank 305 West Prairie Avenue Hayden, ID 83835 Full Service B&M $123,975
    Glacier Bank 306 Euclid Avenue Helena, MT 59601 Full Service Retail $12,368
    Glacier Bank 307 E Park St Anaconda, MT 59711 Full Service B&M $29,902
    Glacier Bank 314 South Washington Afton, WY 83110 Full Service B&M $53,513
    Glacier Bank 3171 N Montana Avenue Helena, MT 59602 Full Service B&M $15,482
    Glacier Bank 319 E Main Street Oak Creek, CO 80467 Full Service B&M $16,670
    Glacier Bank 319 East 2nd St Whitefish, MT 59937 Limited, Drive-thru $0
    Glacier Bank 319 East 2nd Street Whitefish, MT 59937 Full Service B&M $120,949
    Glacier Bank 320 South Main Street Three Forks, MT 59752 Full Service B&M $32,685
    Glacier Bank 3204 West Colorado Avenue Colorado Springs, CO 80904 Full Service B&M $15,448
    Glacier Bank 321 Central Avenue Fairfield, MT 59436 Full Service B&M $94,068
    Glacier Bank 321 Fuller Avenue Helena, MT 59601 Full Service B&M $73,443
    Glacier Bank 33 Ice Center Lane Bozeman, MT 59718 Full Service B&M $67,472
    Glacier Bank 330 North Washington Avenue Newport, WA 99156 Full Service B&M $68,465
    Glacier Bank 331 N Leadville Avenue Ketchum, ID 83340 Full Service B&M $79,072
    Glacier Bank 3322 Glassford Hill Road, Suite D Prescott Valley, AZ 86314 Full Service B&M $4,377
    Glacier Bank 337 Indiana Street Chinook, MT 59523 Full Service B&M $39,741
    Glacier Bank 36042 Major Houle Road Pablo, MT 59855 Limited, Drive-thru $0
    Glacier Bank 3655 Brighton Boulevard Denver, CO 80216 Full Service B&M $51,345
    Glacier Bank 3660 Mullan Road Missoula, MT 59808 Full Service B&M $44,463
    Glacier Bank 3701 Harrison Avenue Butte, MT 59701 Full Service B&M $27,952
    Glacier Bank 390 Post Avenue Vaughn, MT 59487 Full Service B&M $7,897
    Glacier Bank 401 E. Main Street Florence, CO 81226 Full Service B&M $15,407
    Glacier Bank 4150 Valley Commons Drive Bozeman, MT 59718 Full Service B&M $165,089
    Glacier Bank 433 North 16th Street Boise, ID 83702 Full Service B&M $58,647
    Glacier Bank 452 North 2nd East Rexburg, ID 83440 Full Service B&M $20,093
    Glacier Bank 476655 Highway 95 North Ponderay, ID 83852 Full Service B&M $66,685
    Glacier Bank 49 Commons Loop Kalispell, MT 59901 Full Service B&M $47,886
    Glacier Bank 49 Commons Loop Kalispell, MT 59901 Full Service B&M $564,245
    Glacier Bank 490 West Reseve Drive Kalispell, MT 59901 Full Service B&M $22,027
    Glacier Bank 495 Main Street Billings, MT 59105 Full Service B&M $40,061
    Glacier Bank 5015 West Old Highway Road Morgan, UT 84050 Full Service B&M $19,937
    Glacier Bank 50331 Us Highway 93 Polson, MT 59860 Limited, Drive-thru $0
    Glacier Bank 504 Main Street Meeker, CO 81641 Full Service B&M $72,235
    Glacier Bank 50510 Us Highway 93 Polson, MT 59860 Full Service B&M $82,052
    Glacier Bank 510 West Railroad Plains, MT 59859 Full Service B&M $22,911
    Glacier Bank 511 West Main Street Belgrade, MT 59714 Full Service B&M $57,525
    Glacier Bank 518 North Chelton Road Colorado Springs, CO 80909 Full Service B&M $14,551
    Glacier Bank 540 Highway 50 Salida, CO 81201 Full Service B&M $104,558
    Glacier Bank 55 Lone Peak Drive Big Sky, MT 59716 Full Service B&M $74,432
    Glacier Bank 600 Yampa Avenue Craig, CO 81625 Full Service B&M $49,520
    Glacier Bank 601 North Front Street Rock Springs, WY 82901 Full Service B&M $106,121
    Glacier Bank 608 Midway Avenue Grand Coulee, WA 99133 Full Service B&M $37,701
    Glacier Bank 614 North Mission Street Wenatchee, WA 98801 Full Service B&M $31,869
    Glacier Bank 615 California Avenue Libby, MT 59923 Full Service B&M $101,963
    Glacier Bank 6195 Highway 93 South Whitefish, MT 59937 Full Service B&M $18,683
    Glacier Bank 63239 Us Highway 93 Ronan, MT 59864 Full Service B&M $64,453
    Glacier Bank 63802 Us Hwy 93 Ronan, MT 59864 Limited, Drive-thru $0
    Glacier Bank 642 Cottonwood Road Bozeman, MT 59718 Full Service B&M $35,976
    Glacier Bank 670 S. 19th Avenue Bozeman, MT 59715 Full Service B&M $79,239
    Glacier Bank 685 Horizon Drive Grand Junction, CO 81506 Full Service B&M $32,070
    Glacier Bank 709 East Seltice Way Post Falls, ID 83854 Full Service B&M $58,557
    Glacier Bank 7100 Highway 93 S Suite B Lakeside, MT 59922 Full Service B&M $12,854
    Glacier Bank 716 Pine Avenue Kemmerer, WY 83101 Full Service B&M $28,166
    Glacier Bank 7186 1st Street Bonners Ferry, ID 83805 Full Service B&M $67,807
    Glacier Bank 721 South Okoma Drive Omak, WA 98841 Full Service B&M $38,697
    Glacier Bank 7407 North Division Street Spokane, WA 99208 Full Service B&M $9,934
    Glacier Bank 76 East Dunlap Drive Pueblo, CO 81007 Full Service B&M $44,324
    Glacier Bank 78 Meadow Village Drive Big Sky, MT 59716 Full Service B&M $33,742
    Glacier Bank 79 Hwy 89 Alpine, WY 83128 Full Service B&M $24,369
    Glacier Bank 80 South Cole Road Boise, ID 83709 Full Service B&M $37,944
    Glacier Bank 800 Miller Valley Road Prescott, AZ 86301 Full Service B&M $47,021
    Glacier Bank 800 West Bannock Street Boise, ID 83702 Full Service B&M $34,665
    Glacier Bank 816 Royal Gorge Boulevard Canon City, CO 81212 Full Service B&M $59,582
    Glacier Bank 822 Nucleus Avenue Columbia Falls, MT 59912 Full Service B&M $72,865
    Glacier Bank 8251 Highway 35 Bigfork, MT 59911 Full Service B&M $70,956
    Glacier Bank 885 South Colorado Blvd Denver, CO 80246 Full Service B&M $197,826
    Glacier Bank 900 North Highway 414 Mountain View, WY 82939 Full Service B&M $49,139
    Glacier Bank 900 S. Utah Idaho Falls, ID 83402 Full Service B&M $45,103
    Glacier Bank North 101 Methow Valley Highway Twisp, WA 98856 Full Service B&M $85,776

    For 2018, Glacier Bank had 150 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $478,235
    Net interest income $448,625
    Total noninterest income $108,284
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $33,969
    Trading account gains and fees $0
    Additional Noninterest Income $74,315
    Pre-tax net operating income $240,854
    Securities gains (or losses, -) $-1,178
    Income before extraordinary items $195,014
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $195,014
    Minority interest net income $0
    Net income $195,014
    Sale, conversion, retirement of capital stock, net $2,291
    Net operating income $195,968

    Glacier Bank's gross interest income from loans was $478,235,000.
    Glacier Bank's net interest income from loans was $448,625,000.
    Glacier Bank's fee based income from loans was $33,969,000.
    Glacier Bank's net income from loans was $195,014,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $29,610
    Provision for credit losses $9,953
    Total noninterest expense $306,102
    Salaries and employee benefits $172,692
    Premises and equipment expense $29,422
    Additional noninterest expense $103,988
    Applicable income taxes $44,662
    Net charge-offs $8,282
    Cash dividends $148,000

    Glacier Bank's interest expense for loans was $29,610,000.
    Glacier Bank's payroll and benefits expense were $172,692,000.
    Glacier Bank's property, plant and equipment expenses $29,422,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 1.5%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $9,558,066
    Deposits held in domestic offices $9,558,066
    Deposits by Individuals, partnerships, and corporations $8,955,201
    Deposits by U.S. Government $1,874
    Deposits by States and political subdivisions in the U.S. $592,584
    Deposits by Commercial banks and other depository institutions in U.S. $8,408
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,638,283
    Demand deposits $1,318,547
    Nontransaction accounts $7,919,784
    Money market deposit accounts (MMDAs) $1,888,266
    Other savings deposits (excluding MMDAs) $5,130,183
    Total time deposits $901,334
    Total time and savings deposits $8,239,520
    Noninterest-bearing deposits $3,023,178
    Interest-bearing deposits $6,534,888
    Retail deposits $9,165,971
    IRAs and Keogh plan accounts $195,533
    Brokered deposits $168,724
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $12,102,845
    Cash & Balances due from depository institutions $203,790
    Interest-bearing balances $42,008
    Total securities $2,869,809
    Federal funds sold & reverse repurchase $0
    Net loans and leases $8,189,465
    Loan and leases loss allowance $131,239
    Trading account assets $0
    Bank premises and fixed assets $238,405
    Other real estate owned $7,203
    Goodwill and other intangibles $340,373
    All other assets $253,800

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $12,102,845
    Total Liabilities $10,490,730
    Total deposits $9,558,066
    Interest-bearing deposits $6,534,888
    Deposits held in domestic offices $9,558,066
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $396,151
    Trading liabilities $0
    Other borrowed funds $454,884
    Subordinated debt $0
    All other liabilities $81,629

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $8,189,465
    Loan and leases loss allowance $131,239
    Total loans and leases (domestic) $8,320,704
    All real estate loans $6,490,826
    Real estate loans in domestic offices $6,490,826
    Construction and development loans $1,168,863
    Residential 1-4 family construction $248,533
    Other construction, all land development and other land $920,330
    Loans secured by nonfarm nonresidential properties $2,949,523
    Nonfarm nonresidential secured by owner-occupied properties $1,343,563
    Commercial real estate & other non-farm, non-residential $1,605,960
    Multifamily residential real estate $247,457
    1-4 family residential loans $1,704,854
    Farmland loans $420,129
    Loans held in foreign offices $0
    Farm loans $226,693
    Commercial and industrial loans $907,340
    To non-U.S. addressees $0
    Loans to individuals $165,864
    Credit card loans $1,302
    Related Plans $17,789
    Consumer Auto Loans $49,196
    Other loans to individuals $97,577
    All other loans & leases $529,982
    Loans to foreign governments and official institutions $0
    Other loans $104,336
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $34,326
    Loans secured by real estate to non-U.S. addressees $2,502
    Restructured Loans & leases $25,775
    Non 1-4 family restructured loans & leases $22,778
    Total loans and leases (foreign) $0

    Glacier Bank had $8,189,465,000 of loans outstanding in 2018. $6,490,826,000 of loans were in real estate loans. $1,168,863,000 of loans were in development loans. $247,457,000 of loans were in multifamily mortgage loans. $1,704,854,000 of loans were in 1-4 family mortgage loans. $226,693,000 of loans were in farm loans. $1,302,000 of loans were in credit card loans. $49,196,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 3,581 $904,792 $252,665
    Nonfarm, nonresidential loans - <$100k 491 $22,283 $45,383
    Nonfarm, nonresidential loans - $100-250k 1,251 $162,236 $129,685
    Nonfarm, nonresidential loans - $250k-1MM 1,839 $720,273 $391,666
    Commercial & Industrial, US addressed loans - <$1MM 6,247 $426,528 $68,277
    Commercial & Industrial, US addressed loans - <$100k 4,146 $82,857 $19,985
    Commercial & Industrial, US addressed loans - $100-250k 1,133 $99,084 $87,453
    Commercial & Industrial, US addressed loans - $250k-1MM 968 $244,587 $252,673
    Farmland loans - <$1MM 772 $114,879 $148,807
    Farmland loans - <$100k 212 $9,034 $42,613
    Farmland loans - $100-250k 329 $41,186 $125,185
    Farmland loans - $250k-1MM 231 $64,659 $279,909
    Agriculture operations loans - <$1MM 1,388 $90,856 $65,458
    Agriculture operations loans - <$100k 795 $18,626 $23,429
    Agriculture operations loans - $100-250k 361 $31,338 $86,809
    Agriculture operations loans - $250k-1MM 232 $40,892 $176,259