Investor Presentation June 30, 2023

Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements about the Company’s plans, objectives, expectations and intentions that are not historical facts, and other statements identified by words such as “expects,” “anticipates,” “intends,” “plans,” “believes,” “should,” “projects,” “seeks,” “estimates” or other comparable words or phrases of a future or forward-looking nature. These forward-looking statements are based on current beliefs and expectations of management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond the Company’s control. In addition, these forward-looking statements are subject to assumptions that are subject to change. The following factors, among others, could cause actual results to differ materially from the anticipated results (express or implied) or other expectations in the forward-looking statements: 1) Risks associated with lending and potential adverse changes in the credit quality of the Company’s loan portfolio; 2) Changes in monetary and fiscal policies, including interest rate policies of the Federal Reserve Board, which could adversely affect the Company’s net interest income and margin, the fair value of its financial instruments, profitability, and stockholders’ equity; 3) Legislative or regulatory changes, including increased banking and consumer protection regulations, that may adversely affect the Company’s business; 4) Risks related to overall economic conditions, including the impact on the economy of a rising interest rate environment, inflationary pressures, and geopolitical instability, including the war in Ukraine; 5) Risks associated with the Company’s ability to negotiate, complete, and successfully integrate any future acquisitions; 6) Costs or difficulties related to the completion and integration of acquisitions; 7) Impairment of the goodwill recorded by the Company in connection with acquisitions, which may have an adverse impact on earnings and capital; 8) Reduction in demand for banking products and services, whether as a result of changes in customer behavior, economic conditions, banking environment, or competition; 9) Deterioration of the reputation of banks and the financial services industry, which could adversely affect the Company's ability to obtain and maintain customers; 10) Changes in the competitive landscape, including as may result from new market entrants or further consolidation in the financial services industry, resulting in the creation of larger competitors with greater financial resources; 11) Risks presented by continued public stock market volatility, which could adversely affect the market price of the Company’s common stock and the ability to raise additional capital or grow through acquisitions; 12) Risks associated with dependence on the Chief Executive Officer, the senior management team and the Presidents of Glacier Bank’s divisions; 13) Material failure, potential interruption or breach in security of the Company’s systems or changes in technological which could expose the Company to cybersecurity risks, fraud, system failures, or direct liabilities; 14) Risks related to natural disasters, including droughts, fires, floods, earthquakes, pandemics, and other unexpected events; 15) Success in managing risks involved in the foregoing; and 16) Effects of any reputational damage to the Company resulting from any of the foregoing. 2

Glacier Bancorp, Inc. 6/30/2023 Snapshot Ticker GBCI Total Assets $27.53 billion Gross Loans $15.95 billion Deposits $20.01 billion TCBV Per Share $17.18 Dividends $0.33 Stock Price $31.17 Market Cap $3.46 billion 3

Differentiated Bank Model • Genuine community banking model • Backed by resources and support of Glacier Bancorp • Strategy of growth through acquisitions and organically 4

Glacier is a “Company of Banks” 5

Community Financial Group, Inc. Acquisition Announcement Pro Forma Washington Branch Footprint• Acquisition is consistent with Glacier’s long-term strategy of buying good banks in good markets with good people • Establishes a market-leading Eastern Washington franchise • A new bank division, Wheatland Bank, will be formed • Newly combined Wheatland division will be Glacier’s 7th largest division by asset size, with over $1.6 billion in assets and 250 employees • Acquisition complements GBCI’s existing strong loan and deposit portfolios and deepens its agricultural presence in one of the top Ag producing markets in the United States (1) Based on GBCI closing price of $33.97 as of August 7, 2023. (2) Based on required tangible book value of $49.2 million. (3) Ratio of the tangible book value multiple paid (based on required tangible common equity of $49.2 million) to GBCI’s tangible book value multiple. (4) Based on FactSet Consensus estimates for GBCI and GBCI estimates for CFGW as of August 7, 2023. 6

$7.9 $8.3 $9.1 $9.5 $9.7 $12.1 $13.7 $18.5 $25.9 $26.6 $28.3 $- $5 $10 $15 $20 $25 $30 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 6/30/2023* Total Assets ($B) Acquisitions GBCI Acquisition History – Last 10 Years 5 • Long history of adding high quality community banks that fit the Glacier banking model May 2013 $301M Assets July 2013 $330M Assets August 2014 $349M Assets February 2015 $176M Assets October 2015 $270M Assets October 2021 $4,132M Assets July 2019 $978M Assets April 2017 $386M Assets April 2019 $379M Assets February 2018 $1,110M Assets January 2018 $551M Assets February 2020 $745M Assets August 2016 $76M Assets Source: S&P Capital IQ Pro Note: Assets for acquired bank based on date of deal completion *Acquisition of Community Financial Group, Inc. (Wheatland Bank) is pending; assets shown for 6/30/2023 are pro forma for the pending acquisition Pending $754M Assets

WY ID UT AZ NV WA CO MT • 17 Bank Divisions • 222 Locations (as of 6/30/2023) 8

6/30/23 GBCI Geography Total chartered banks 269 Total target banks 205 Assets under $1B 169 Assets $1 – $3.5B 36 9

10 Year Total Return 6/30/2013 – 6/30/2023 11

1 Year Total Return 6/30/2022 – 6/30/2023 12

A Definitive Ranking of Publicly Traded Banks 13 Every publicly traded bank ranked by all-time total shareholder return * Includes both dividends paid and share price appreciation ** Normalized to account for the time period that each bank has been publicly traded GBCI shares have been publicly traded since 1984 Source: John J. Maxfield – President, Maxfield on Banks (April 12, 2023)

Forbes Best Banks Ranked #1 in Montana Ranked #18 in America Eight consecutive years (2016-2023) in Top 20 Named as a World’s Best Bank Four consecutive years (2020-2023) 14

15 Diluted Earnings Per Share $0.00 $0.25 $0.50 $0.75 $1.00 $1.25 $1.50 $1.75 $2.00 $2.25 $2.50 $2.75 $3.00 $3.25 $2.17 $2.38 $2.74 $0.61 $0.55 $0.69 $0.50 $2.86 • The decrease in second quarter 2023 EPS over second quarter 2022 EPS was driven primarily by the significant increase in funding costs from the historic pace of the Federal Reserve’s interest rate increases • Second quarter 2023 non-interest expense of $131 million increased $1.1 million, or 1%, over the $130 million for second quarter 2022 $2.81 $1.30 $1.05

0.70% 0.80% 0.90% 1.00% 1.10% 1.20% 1.30% 1.40% 1.50% 1.60% 1.70% 1.64% 1.59% 1.62% 1.73% 1.11% 0.87% • ROA in the first quarter of 2023 was in the 35th♦ percentile among Glacier’s peer group 16 Return on Assets ♦BHCPR as of 3/31/2023 1.33%

10.00% 11.00% 12.00% 13.00% 14.00% 15.00% 16.00% 17.00% 18.00% 16.42% 16.85% 15.49% 16.15% 16.59% 15.36% 12.75% • The Company’s historically high capital levels have made it more difficult to produce higher ROTE. 17 Return on Tangible Equity