Glacier Bancorp (GBCI): what its 10-K says it depends on

Other companies

Goodwill

$1.4 billion in goodwill, representing 33 percent of our shareholders’ equitynamed as a risk

Since we have $1.4 billion in goodwill, representing 33 percent of our shareholders’ equity, impairment of goodwill could have a material adverse effect on our business, financial condition and results of operations.Risk factors (Item 1A)

Also named by ES, HBAN, PB, URI, XPO

Guaranty Bancshares, Inc.

$3,356,636

We have completed the following acquisitions during the last five fiscal years:Business (Item 1)

Bank of Idaho Holding Co.

1,364,085

We have completed the following acquisitions during the last five fiscal years:Business (Item 1)

Competitors

Fintech companies

competes withnamed as a risk

The current administration’s broad interpretation of the National Bank Act has spurred a proliferation of national bank charter applications from fintech companies.Risk factors (Item 1A)

Also named by CUBI, TFC

Places

Texas

operates in · $2,706,740named as a risk

Substantially all of the Bank’s loans are to businesses and individuals in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and now Texas, and adverse economic conditions in these market areas could have a material adverse effect on our business, financial condition, results of operations and prospects.Risk factors (Item 1A)

Also named by ABR, AFRM, ALLY, AN, ASO, ASTS, ATO, AXP and 70 more

Montana

concentrated in · 26.9%named as a risk

Substantially all of the Bank’s loans are to businesses and individuals in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and now Texas, and adverse economic conditions in these market areas could have a material adverse effect on our business, financial condition, results of operations and prospects.Risk factors (Item 1A)

Also named by CHRD, CLMT, HL, MDU

Wyoming

concentrated in · 15.3%named as a risk

Substantially all of the Bank’s loans are to businesses and individuals in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and now Texas, and adverse economic conditions in these market areas could have a material adverse effect on our business, financial condition, results of operations and prospects.Risk factors (Item 1A)

Also named by AEE, BKH, WEC

Idaho

concentrated in · 10.8%named as a risk

Substantially all of the Bank’s loans are to businesses and individuals in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and now Texas, and adverse economic conditions in these market areas could have a material adverse effect on our business, financial condition, results of operations and prospects.Risk factors (Item 1A)

Also named by CTRE, MDU, RYN

Hazards

Wildfires, droughts and earthquakes (Mountain West)

operates innamed as a risk

With Bank branches and customers located in Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas, our business could be affected by natural catastrophes such as a droughts, fires, earthquakes, or other natural disasters that affect these regions.Risk factors (Item 1A)

Commodities and inputs

Commercial real estate

concentrated innamed as a risk

A significant percent of the Bank’s loans are secured by real estate, resulting in a high concentration of real estate secured loans.Risk factors (Item 1A)

Also named by AFL, APO, AUB, BAC, C, CFR, FSUN, JPM and 11 more

Regulators

Consumer Financial Protection Bureau (CFPB)

subject to · more than $10 billion in assets

Because we are an institution with more than $10 billion in assets, we are also subject to regulation and supervision by the Consumer Financial Protection Bureau (“CFPB”), the scope of which has varied widely depending on the priorities of the executive branch of the federal government.Business (Item 1)

Also named by ABNB, AFRM, ALLY, AN, AUB, AXP, BAC, CASH and 61 more

Federal Deposit Insurance Corporation (FDIC)

subject tonamed as a risk

The Bank is subject to primary supervision, periodic examination, and regulation by the FDIC and the MT Division of Banking.Business (Item 1)

Also named by AFRM, BAC, BNY, CASH, CFG, CFR, COF, FCFS and 27 more

Federal Reserve

subject tonamed as a risk

Current guidance from the Federal Reserve has noted that dividends per share on the Company’s common stock generally should not exceed earnings per share, measured over the previous four fiscal quarters.Business (Item 1)

Also named by AGNC, AUB, AXP, BAC, CASH, COF, DX, EFSC and 24 more

Montana Division of Banking and Financial Institutions

subject to

The Bank is subject to primary supervision, periodic examination, and regulation by the FDIC and the MT Division of Banking.Business (Item 1)

Laws and programs

Basel III Endgame

subject to · 2.5 percent of risk-weighted assetsnamed as a risk

The final phase of implementation of Basel regulations, known as the ”Basel III Endgame,” imposes limitations on the Bank's ability to pay dividends.Business (Item 1)

Also named by CME, FCNCA, ICE, PNFP, USB

Debit card interchange fee cap (Durbin)

subject to · $0.21 plus 5 basis points of the transaction valuenamed as a risk

Any future changes to this cap could affect the Bank’s fee revenue and non-interest income.Business (Item 1)

Also named by KEY

GENIUS Act

competes withnamed as a risk

Additionally, banking regulators have recently rescinded prior guidance that restricted banks from engaging in crypto-related activities and issued a notice of proposed rulemaking related to the issuance of stablecoins permitted under the Guiding and Establishing National Innovation for U.S. Stablecoins Act (the GENIUS Act).Risk factors (Item 1A)

Also named by AUB, C, CFR, COF, COIN, CUBI, EWBC, FCNCA and 15 more

Community Reinvestment Act (CRA)

subject to

In some cases, a bank's failure to comply with the CRA, or CRA protests filed by interested parties during comment periods, can result in the denial or delay of such transactions.Business (Item 1)

Also named by ALLY, AMP, AUB, CFG, CFR, EFSC, EWBC, FCNCA and 20 more

FDIC special assessment

subject to

For example, in the wake of a number of bank failures in 2023, the FDIC instituted a special assessment payable in installments, the last of which will be due the first quarter of 2026.Business (Item 1)

Also named by BPOP, CFG, CFR, CUBI, EFSC, EWBC, FCNCA, HBAN and 10 more