Glacier Bancorp, Inc. (GBCI) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.238 Good day, everyone, and welcome to the Glacier Bond Corp third quarter earnings conference 00:00:05.238 -- 00:00:09.824 call. At this time, all participants are in a listen-only mode. 00:00:09.824 -- 00:00:13.589 After the speaker's presentation, there will be a question and answer session. 00:00:13.589 -- 00:00:18.215 To participate, you will need to press star 1-1 on your telephone. 00:00:18.215 -- 00:00:22.260 You will then hear a message advising your hand is raised. 00:00:22.260 -- 00:00:26.592 To withdraw your question, simply press star 1-1 again. 00:00:26.592 -- 00:00:29.856 Please note this conference is being recorded. 00:00:29.856 -- 00:00:35.324 Now it's my pleasure to turn the call over to Glacier's Bancorp's President and CEO, 00:00:35.324 -- 00:00:39.166 Randy Chesler. Please go ahead. 00:00:39.870 -- 00:00:42.113 Good morning and thank you for joining us today. 00:00:42.113 -- 00:00:47.220 With me here in Kalispell is Ron Cofer, our Chief Financial Officer, Tom Dolan, our 00:00:47.220 -- 00:00:52.326 Chief Credit Administrator, Angela Dosey, our Chief Accounting Officer, and Byron 00:00:52.326 -- 00:00:57.388 Pollin, our Treasurer. I'd like to point out that the discussion today is subject to 00:00:57.388 -- 00:01:02.694 the same forward-looking considerations outlined starting on page 13 of our press 00:01:02.694 -- 00:01:07.477 release, and we encourage you to review this section. 00:01:07.960 -- 00:01:13.246 We delivered another excellent quarter, continuing our momentum with strong margin 00:01:13.246 -- 00:01:19.012 expansion, higher loan yields, lower deposit costs, and solid high-quality 00:01:19.012 -- 00:01:24.755 loan growth. We also completed the core conversion of the Bank of Idaho 00:01:24.755 -- 00:01:...