$GBCI 8-K earnings — Q2 FY26

EPS of $0.75 beat consensus of $0.72, a 4% upside. Revenue quality is solid as net interest income rose 3% QoQ to $276M, driven by a 10bp NIM expansion to 3.90% and loan growth of 6% annualized. The key nuance: core deposit costs fell 2bp to 1.18%, showing funding cost discipline that may sustain NIM even if rate cuts slow, while operating EPS of $0.76 further confirms earnings power beyond one-time items.

EPS of $0.75 beat consensus of $0.72, a 4% upside. Revenue quality is solid as net interest income rose 3% QoQ to $276M, driven by a 10bp NIM expansion to 3.90% and loan growth of 6% annualized. The key nuance: core deposit costs fell 2bp to 1.18%, showing funding cost discipline that may sustain NIM even if rate cuts slow, while operating EPS of $0.76 further confirms earnings power beyond one-time items.