冰川万通金控 2025年度报告

☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December31, 2025☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from __________ to __________ Commission file number 001-41170________________________________________________________________________________________________________________________ GLACIER BANCORP, INC. (Exact name of registrant as specified in its charter)________________________________________________________________________________________________________________________ (406) 756-4200(Registrant’s telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.☒Yes☐NoIndicate by check mark if the registrant is not required to file reports pursuant to Section13 or Section15(d) of the Act.☐Yes☒NoIndicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities ExchangeAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has beensubject to such filing requirements for the past 90 days.☒Yes☐NoIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this Chapter) during the preceding 12 months (or for such shorter period that the registrant wasrequired to submit such files).☒Yes☐NoIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,”and “emerging growth company” in Rule 12b-2 of the Exchange Act. AcceleratedfilerSmallerreportingcompanyEmerging growth company Large Accelerated Filer☒Non-accelerated filer☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complyingwith any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of itsinternal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered publicaccounting firm that prepared or issued its audit report.☒If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements.☐Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b)☐Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).☐Yes☒No The aggregate market value of the voting common equity held by non-affiliates at June30, 2025 (the last business day of the registrant’s mostrecently completed second fiscal quarter), was $5,081,362,682 (based on the average bid and asked price as quoted on The New York StockExchange as of the close of business on that date). The number of shares of registrant’s common stock outstanding on February6, 2026 was 130,011,106. No preferred shares are issued or Document Incorporated by ReferencePortions of the Proxy Statement for the registrant’s2026Annual Meeting of shareholders are incorporated by reference into Parts I and III of this Form 10-K. TABLE OF CONTENTS PARTI Item1Business4Item1ARisk Factors12Item1BUnresolved Staff Comments19Item1CCybersecurity19Item2Properties21Item3Legal Proceedings21Item 4Mine Safety Disclosures21 PART II Item5Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases ofEquity Securities22Item6[Reserved]22Item7Management’s Discussion and Analysis of Financial Condition and Results of Operations23Item7AQuantitative and Qualitative Disclosure about Market Risk56Item8Financial Statements and Supplementary Data57Reports of Independent Registered Public Accounting Firm58Consolidated Statements of Financial Condition63Consolidated Statements of Operations64Consolidated Statements of Comprehensive Income (Loss)65Consolidated Statements of Changes in Stockholders' Equity66Consolidated Statements of Cash Flows67Notes to Consolidated Financial Statements69Item9Changes in and Disagreements with Accountants on Accounting and Financial Disclosures121Item9AControls and Procedures121I