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Glacier Bank

IDRSSD: 2634191
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q4QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #2634191 2024-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -2
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.5%, cash 3.0% of assets.

Cash / Assets
3.04%
Loans / Deposits
82.47%
Brokered %
0.02%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.46%
No watch items at this period.

Capitalization

StableQoQ -1
77
Sub-score

Capital position is stable: Tier 1 RBC 12.46%, CET1 12.46%, leverage 8.44%.

Tier 1 RBC
12.46%
CET1
12.46%
Leverage
8.44%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.16%, Texas Ratio 1.0%, NCO YTD 0.12%.

Adjusted NPL
0.16%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.12%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
90
Sub-score

Reserves are strong: ALLL 1.19% of loans, coverage 774.0%, true coverage 251.2%.

ALLL / Loans
1.19%
Coverage
774.0%
True Loss Coverage
251.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 09:51:24 UTC