Glacier Bancorp, Inc. (GBCI) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.237 Good day and thank you for standing by. Welcome to the Glacier Bank Corp first quarter 00:00:04.237 -- 00:00:08.764 earnings conference call. At this time, all participants are in a listen-only mode. 00:00:08.764 -- 00:00:12.630 After the speaker's presentation, there will be a question and answer session. 00:00:12.630 -- 00:00:17.016 To ask a question during this session, you will need to press star 1-1 on your telephone. 00:00:17.016 -- 00:00:20.481 You will then hear an automated message advising you your hand is raised. 00:00:20.481 -- 00:00:23.726 To withdraw your question, please press star 1-1 again. 00:00:23.726 -- 00:00:26.812 Please be advised that today's conference is being recorded. 00:00:26.812 -- 00:00:30.918 I would now like to hand the conference over to your speaker today, Randy Chesler, President 00:00:30.918 -- 00:00:35.302 and CEO of Glacier Bancorp. Please go ahead. 00:00:38.089 -- 00:00:40.853 Well, good morning and thank you for joining us today. 00:00:40.853 -- 00:00:46.281 With me here in Kalispell is Ron Cofer, our Chief Financial Officer, Tom 00:00:46.281 -- 00:00:49.847 Dolan, our Chief Credit Administrator, Angela 00:00:49.847 -- 00:00:55.123 Dosey, our Chief Accounting Officer, Jeff Meredith, our chief investment 00:00:55.123 -- 00:01:00.793 officer, and joining us on the phone is Byron Pollin, our treasurer. 00:01:00.793 -- 00:01:05.703 I'd like to point out that the discussion today is subject to the same forward-looking 00:01:05.703 -- 00:01:10.732 considerations outlined starting on page nine of our press release, 00:01:10.732 -- 00:01:14.616 and we encourage you to review this section. 00:01:15.277 -- 00:01:20.703 The positive trend of margin expansion driven by lower deposit costs and higher 00:...