Updated
The most significant concentration Glacier Bancorp discloses is commercial and commercial real estate loans, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Glacier Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'The loan portfolio contains a high percentage of commercial, commercial real estate, real estate acquisition and development loans in relation to the total loans'”
“10-K Item 1A: 'A significant percent of the Bank's loans are secured by real estate, resulting in a high concentration of real estate secured loans'”
The bank's disclosed concentration profile is defined by two intersecting loan portfolio exposures, both structural in character and moderate in disclosed size. The first is a high percentage of commercial, commercial real estate, and real estate acquisition and development loans relative to total loans — a moderate-share exposure reflecting the bank's strategic orientation toward business and property-secured credit. The second is a significant percentage of loans secured by real estate across the broader portfolio, again a moderate-share concentration by disclosed size, meaning the collateral base is heavily weighted toward property values. These two exposures are not fully independent — commercial real estate loans are a subset of real estate-secured lending — which means they compound rather than diversify each other. The combined effect is a loan portfolio whose credit performance is particularly sensitive to regional real estate market conditions: commercial property valuations, vacancy rates, and development activity in the bank's geographic markets are the primary drivers of credit quality. No specific percentages are cited in the filing for either exposure, and no customer, geographic, or funding concentrations are disclosed alongside them. On balance, the concentration profile is well understood for a community bank of this type, but the overlap between the commercial and real estate-secured dimensions means the effective exposure to property market cycles is more concentrated than either disclosure in isolation might suggest. Investors should monitor regional commercial real estate fundamentals as the dominant watch variable.
For the engine’s reasoning on GBCI’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| GBCI● | Glacier Bancorp, Inc. | 0 | 2 | 0 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.