AI Earnings Predictions for Glacier Bancorp Inc. (GBCI)

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NEWS RELEASE

October 22, 2026

FOR IMMEDIATE RELEASECONTACT: Randall M. Chesler, CEO

(406) 751-4722

Ron J. Copher, CFO

(406) 751-7706

GLACIER BANCORP, INC. ANNOUNCES

RESULTS FOR THE QUARTER AND PERIOD ENDED SEPTEMBER 30, 2026

3rd Quarter 2026 Highlights:

•Net income was a record $105 million for the current quarter, an increase of $6.7 million, or 7 percent, from the prior quarter net income of $97.9 million and an increase of $36.7 million, or 54 percent, from the prior year third quarter net income of $67.9 million.

•Diluted earnings per share for the current quarter was $0.80, an increase of $0.05 per share, or 7 percent, from the prior quarter diluted earnings per share of $0.75 and an increase of $0.23 per share, or 40 percent, from the prior year third quarter diluted earnings per share of $0.57.

•Operating diluted earnings per share1 for the current quarter was $0.81, an increase of $0.05 per share, or 7 percent, from the prior quarter operating diluted earnings per share of $0.76 and an increase of $0.19 per share, or 31 percent, from the prior year third quarter operating diluted earnings per share of $0.62.

•Net interest income for the current quarter was $290 million, an increase of $13.5 million, or 5 percent, from the prior quarter net interest income of $276 million and an increase of $65 million, or 29 percent, from the prior year third quarter net interest income of $225 million.

•The loan portfolio of $21.620 billion at September 30, 2026, increased $256 million, or 5 percent annualized, from the prior quarter.

•Total deposits of $25.273 billion for the current quarter increased $619 million, or 10 percent annualized, from the prior quarter.

•Total non-interest bearing deposits of $7.702 billion for the current quarter increased $279 million, or 15 percent annualized, from the prior quarter.

•The net interest margin as a percentage of earning assets, on a tax-equivalent basis, for the current quarter was 4.01 percent, an increase of 11 basis points from the prior quarter net interest margin of 3.90 percent and an increase of 62 basis points from the prior year third quarter net interest margin of 3.39 percent.

1 Represents a non-GAAP financial measure. Supplemental “Non-GAAP Financial Measures and Reconciliations” tables are provided to reconcile the most directly comparable financial measure calculated and presented in accordance with GAAP.

1

•The total earning assets yield of 5.23 percent in the current quarter increased 9 basis points from the prior quarter earning assets yield of 5.14 percent and increased 37 basis points from the prior year third quarter earning assets yield of 4.86 percent.

•The core deposit cost (including non-interest bearing deposits) of 1.17 percent in the current quarter decreased 1 basis point from the prior quarter core deposit cost of 1.18 percent and decreased 6 basis points from the prior year third quarter core deposit cost of 1.23 percent.

•The total cost of funding (including non-interest bearing deposits) of 1.32 percent in the current quarter decreased 1 basis point from the prior quarter total cost of funding of 1.33 percent and decreased 26 basis points from the prior year third quarter total cost of funding of 1.58 percent.

•The Company declared a quarterly dividend of $0.35 per share, an increase of $0.02, or 6 percent, over the prior quarter. The Company has declared 166 consecutive quarterly dividends and has increased the dividend 50 times.

Year-to-Date 2026 Highlights:

•Net income for the first nine months of 2026 was $285 million, an increase of $109 million, or 62 percent, from the prior year first nine months net income of $175 million.

•Diluted earnings per share for the first nine months of 2026 was $2.18, an increase of $0.67 per share, or 44 percent, from the prior year first nine months diluted earnings per share of $1.51.

•Operating diluted earnings per share for the first nine months of 2026 was $2.26, an increase of $0.59 per share, or 35 percent, from the prior year first nine months operating diluted earnings per share of $1.67.

•Net interest income for the first nine months of 2026 was $835 million, an increase of $212 million, or 34 percent, from the prior year first nine months net interest income of $623 million.

•The loan portfolio increased $2.829 billion, or 15 percent, from the prior year third quarter.

•Total deposits increased $3.402 billion, or 16 percent, from the prior year third quarter.

•The net interest margin as a percentage of earning assets, on a tax-equivalent basis, for the first nine months of 2026 was 3.90 percent, an increase of 69 basis points from the prior year first nine months net interest margin of 3.21 percent.

•The Company completed the core system conversion of Guaranty Bancshares, Inc., the bank holding company for Guaranty Bank & Trust, N.A. (collectively, “Guaranty”). Guaranty was acquired on October 1, 2025, wit

EX-99.1

2 gbci-06302026xex991.htm

EX-99.1

Document

NEWS RELEASE

July 23, 2026

FOR IMMEDIATE RELEASECONTACT: Randall M. Chesler, CEO

(406) 751-4722

Ron J. Copher, CFO

(406) 751-7706

GLACIER BANCORP, INC. ANNOUNCES

RESULTS FOR THE QUARTER AND PERIOD ENDED JUNE 30, 2026

2nd Quarter 2026 Highlights:

•Net income was $97.9 million for the current quarter, an increase of $15.8 million, or 19 percent, from the prior quarter net income of $82.1 million and an increase of $45.1 million, or 85 percent, from the prior year second quarter net income of $52.8 million.

•Diluted earnings per share for the current quarter was $0.75 per share, an increase of $0.12 per share, or 19 percent, from the prior quarter diluted earnings per share of $0.63 and an increase of $0.30 per share, or 67 percent, from the prior year second quarter diluted earnings per share of $0.45.

•Operating diluted earnings per share1 for the current quarter was $0.76 per share, an increase of $0.06 per share, or 9 percent, from the prior quarter operating diluted earnings per share of $0.70 and an increase of $0.19 per share, or 33 percent, from the prior year second quarter operating diluted earnings per share of $0.57.

•Net interest income for the current quarter was $276 million, an increase of $7.8 million, or 3 percent, from the prior quarter net interest income of $269 million and an increase of $68.8 million, or 33 percent, from the prior year second quarter net interest income of $208 million.

•The loan portfolio of $21.364 billion at June 30, 2026 increased $330 million, or 6 percent annualized, from the prior quarter.

•Total average deposits of $24.539 billion for the current quarter increased $113 million, or 2 percent annualized, from the prior quarter average deposits.

•The net interest margin as a percentage of earning assets, on a tax-equivalent basis, for the current quarter was 3.90 percent, an increase of 10 basis points from the prior quarter net interest margin of 3.80 percent and an increase of 69 basis points from the prior year second quarter net interest margin of 3.21 percent.

•The total earning assets yield of 5.14 percent in the current quarter increased 3 basis points from the prior quarter earning assets yield of 5.11 percent and increased 41 basis points from the prior year second quarter earning assets yield of 4.73 percent.

1 Represents a non-GAAP financial measure. Supplemental “Non-GAAP Financial Measures and Reconciliations” tables are provided to reconcile the most directly comparable financial measure calculated and presented in accordance with GAAP.

1

•The core deposit cost (including non-interest bearing deposits) of 1.18 percent in the current quarter decreased 2 basis points from the prior quarter core deposit cost of 1.20 percent and decreased 7 basis points from the prior year second quarter core deposit cost of 1.25 percent.

•The total cost of funding (including non-interest bearing deposits) of 1.33 percent in the current quarter decreased 7 basis points from the prior quarter total cost of funding of 1.40 percent and decreased 30 basis points from the prior year second quarter total cost of funding of 1.63 percent.

•The Company declared a quarterly dividend of $0.33 per share. The Company has declared 165 consecutive quarterly dividends and has increased the dividend 49 times.

First Half 2026 Highlights:

•Net income for the first half of 2026 was $180 million, an increase of $72.7 million, or 68 percent, from the prior year first half net income of $107 million.

•Diluted earnings per share for the first half of 2026 was $1.38 per share, an increase of $0.45 per share, or 48 percent, from the prior year first half diluted earnings per share of $0.93.

•Operating diluted earnings per share for the first half of 2026 was $1.45 per share, an increase of $0.41 per share, or 39 percent, from the prior year first half of 2025 operating diluted earnings per share of $1.04.

•Net interest income for the first half of 2026 was $545 million, an increase of $148 million, or 37 percent, from the prior year first half net interest income of $398 million.

•The loan portfolio increased $2.831 billion, or 15 percent, from the prior year second quarter.

•Total deposits increased $3.026 billion, or 14 percent, from the prior year second quarter.

•The net interest margin as a percentage of earning assets, on a tax-equivalent basis, for the first half of 2026 was 3.85 percent, an increase of 73 basis points from the prior year first half net interest margin of 3.12 percent.

•The Company completed the core system conversion of Guaranty Bancshares, Inc., the bank holding company for Guaranty Bank & Trust, N.A. (collectively, “Guaranty”). Guaranty was acquired on October 1, 2025 with total assets of $3.357 billion.

•Dividends declared in the first half of 2026 were $0.66 per share.

2

Financial Summary

At or for the Three Months endedAt or for the Six Months ended

(Dollars in thousands, except

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