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Regulatory Capital | 12 Months Ended
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Dec. 31, 2018
Banking and Thrift [Abstract] |
Regulatory Capital | Regulatory Capital The Federal Reserve has adopted capital adequacy guidelines that are used to assess the adequacy of capital in supervising a bank holding company. The federal banking agencies implemented final rules (“Final Rules”) to establish a new comprehensive regulatory capital framework with a phase-in period beginning on January 1, 2015 and ending on January 1, 2019. The Final Rules implemented certain regulatory amendments based on the recommendation of the Basel Committee on Banking Supervision and certain requirements of the Dodd-Frank Act and substantially amended the regulatory risk-based capital rules applicable to the Company. The Final Rules require the Company to hold a conservation buffer designed to absorb losses during periods of economic stress. The capital conservation buffer for 2018 is 1.875 percent. The Company has elected to opt-out of the requirement to include most components of accumulated other comprehensive income. As of December 31, 2018, management believes the Company and Bank meet all capital adequacy requirements to which they are subject. Prompt corrective action regulations provide the following classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. If undercapitalized, capital distributions (including payment of a dividend) are generally restricted, as is paying management fees to its bank holding company. Failure to meet minimum capital requirements set forth in the table below can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and Bank’s financial condition. The Company’s and Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. At December 31, 2018 and 2017, the most recent regulatory notifications categorized the Company and Bank as well capitalized under the regulatory framework for prompt corrective action. To be well capitalized, the Bank must maintain minimum total capital, Tier 1 capital, Common Tier 1 capital and Tier 1 Leverage ratios as set forth in the table below. There are no conditions or events since December 31, 2018 that management believes have changed the Company’s or Bank’s risk-based capital category. Note 11. Regulatory Capital Current guidance from the Federal Reserve provides, among other things, that dividends per share on the Company’s common stock generally should not exceed earnings per share, measured over the previous four fiscal quarters. The Bank is also subject to Montana state law and cannot declare a dividend greater than the previous two years’ net earnings without providing notice to the state. The following tables illustrate the FRB’s adequacy guidelines and the Company’s and the Bank’s compliance with those guidelines:
| December 31, 2018
| Actual |  | Required for Capital Adequacy Purposes |  | To Be Well Capitalized Under Prompt Corrective Action Regulations
(Dollars in thousands) | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
Total capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 1,437,889 |  |  | 14.70 | % |  | $ | 782,453 |  |  | 8.00 | % |  | N/A |  |  | N/A |
Glacier Bank | 1,401,991 |  |  | 14.35 | % |  | 781,430 |  |  | 8.00 | % |  | $ | 976,787 |  |  | 10.00 | %
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,308,017 |  |  | 13.37 | % |  | 586,840 |  |  | 6.00 | % |  | N/A |  |  | N/A |
Glacier Bank | 1,279,778 |  |  | 13.10 | % |  | 586,072 |  |  | 6.00 | % |  | 781,430 |  |  | 8.00 | %
Common Equity Tier 1 (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,183,517 |  |  | 12.10 | % |  | 440,130 |  |  | 4.50 | % |  | N/A |  |  | N/A |
Glacier Bank | 1,279,778 |  |  | 13.10 | % |  | 439,554 |  |  | 4.50 | % |  | 634,911 |  |  | 6.50 | %
Tier 1 capital (to average assets) |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,308,017 |  |  | 11.35 | % |  | 461,130 |  |  | 4.00 | % |  | N/A |  |  | N/A |
Glacier Bank | 1,279,778 |  |  | 11.08 | % |  | 462,072 |  |  | 4.00 | % |  | 577,590 |  |  | 5.00 | %
| December 31, 2017
| Actual |  | Required for Capital Adequacy Purposes |  | To Be Well Capitalized Under Prompt Corrective Action Regulations
(Dollars in thousands) | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
Total capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |
Consolidated | $ | 1,232,089 |  |  | 15.64 | % |  | $ | 630,109 |  |  | 8.00 | % |  | N/A |  |  | N/A |
Glacier Bank | 1,182,509 |  |  | 15.04 | % |  | 628,823 |  |  | 8.00 | % |  | $ | 786,029 |  |  | 10.00 | %
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,133,125 |  |  | 14.39 | % |  | 472,582 |  |  | 6.00 | % |  | N/A |  |  | N/A |
Glacier Bank | 1,083,744 |  |  | 13.79 | % |  | 471,617 |  |  | 6.00 | % |  | 628,823 |  |  | 8.00 | %
Common Equity Tier 1 (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,009,276 |  |  | 12.81 | % |  | 354,437 |  |  | 4.50 | % |  | N/A |  |  | N/A |
Glacier Bank | 1,083,744 |  |  | 13.79 | % |  | 353,713 |  |  | 4.50 | % |  | 510,919 |  |  | 6.50 | %
Tier 1 capital (to average assets) |  |  |  |  |  |  |  |  |  |  |
Consolidated | 1,133,125 |  |  | 11.90 | % |  | 380,770 |  |  | 4.00 | % |  | N/A |  |  | N/A |
Glacier Bank | 1,083,744 |  |  | 11.47 | % |  | 377,809 |  |  | 4.00 | % |  | 472,261 |  |  | 5.00 | %
______________________________ N/A - Not applicable

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- Definition The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1C -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958572-112826 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958573-112826 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958570-112826 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958569-112826 Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958577-112826 Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958575-112826 Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1E -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958574-112826 Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958568-112826 Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=84167132&loc=d3e65071-112826 + Details
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