Banking Review / Deal Surface / 2026-05-23
The DealCard decision instrument begins by articulating PRC Proximate Residents Catchment accretion, upon minting a specific merger scenario.
PRC Bridge
GLACIER + Them: GUARANTY
995,217 Me-only PRC + 0 Me PRC in co-trade regions + 0 Them accretion in co-trade regions + 116,308 Them-only accretion = 1,111,525 merged PRC
SMARTMARKETS VALUE PROP
Mint-ready: for any next-deal Them-target;
PRC accretion: normalized drill down into trade regions, compass subregions, fit + fill-in readout;
Regulator: density read out;
Due Diligence prep: branch fit motions;
First steps into: site network lifecycle/pruner (eg mint MatchMaker for Me vs All-Them);
If you want, designed to wire into your team decision workflow;
Based on current FFIEC branches; census residents.
SLIDE 2 / CO-TRADE MINI REPORT
Co-trade regions, ordered by Them accretion PRC:
(none @ this exhibit slice — geographic complementarity)
Them-only trade regions, top 10 by PRC:
1. DALLASTX 6080: Them PRC 27,299
2. TEXARKANAA 3460: Them PRC 24,691
3. MARSHALLAR 3000: Them PRC 14,670
4. BRYANTX 2380: Them PRC 11,410
5. AUSTINTX 6300: Them PRC 10,023
6. SHERMANTX 2770: Them PRC 9,261
7. DENTONTX 6550: Them PRC 8,587
8. HOUSTONTX 6040: Them PRC 7,491
9. LONGVIEWLA 3050: Them PRC 2,068
10. FORTWORTHT 6310: Them PRC 671
SLIDE 3 / PRC LEARNINGS
The usual question: where do these networks overlap?
The Smartmarkets question: what resident catchment does the combined network accrete?
PRC is precomputed before the dealcard starts.
A merger changes ownership of sites whose proximate catchment was already settled.
The bridge is intentionally boring: reassemble ownership of already-attributed residents.
FOR YOUR SHARP LLM-EQUIPPED ANALYST — QUICK-START GUIDE BELOW:
tsmr_issue_id: 2026052304 scenario: glacier_guaranty_pre_close_20251001_exhibit Me org key: 812003975 Them org key: 811862036 (now expired)
Decision instrument; Machine-readable stable route surface, Tabular spatial analytics, Recipes help wiring if you want.
Paste this into your LLM to explore an Example DealCard
GET https://smartmarkets.ai/llms.txt
GET https://llm.smartmarkets.ai/8150/llm.txt
Orient the operator to the smartmarkets.ai terminal. Login uses email magic link (no password).
1) Open https://smartmarkets.ai and sign in: >_ login your@email.com
Note: no Stripe required for this single public Review GRATIS exception.
2) Issue a scoped 8150 key (one per account; shown once):
>_ key issue --series=8150
3) Store locally in your development environment with LLM agent access:
export SMARTMARKETS_API_KEY='<paste pmx_* key>'
4) Confirm 2b pack:
curl -sS -H "Authorization: Bearer $SMARTMARKETS_API_KEY" \
https://llm.smartmarkets.ai/8150/account/key-status \
| jq '.data | {tier_name, emr_pack_id, available_scenarios}'
Expect: mint_8150_tsmr_founder_dealcard, founder_ci, scenario cadence_buys_industry_2026Q2_repaired
5) In terminal: >_ help ci — then paste this chip into your LLM.
LLM HANDOFF (paste after key is set):
Current Vintage Rule: this key is for the current supported data vintage on this Deal Surface only; remint when Smartmarkets promotes a new vintage.
First task: GET /emr for the recipe to produce a simple bridge text report. Narrate PRC bridge meaning using Smartmarkets data only — no outside deal research.Paste this into your LLM to mint a production DealCard for your next deal. Hint: Huntington now rolls merged banks under org_key 811068191.
Production forward path — paste into your LLM after orienting the operator to smartmarkets.ai. GET https://smartmarkets.ai/llms.txt GET https://llm.smartmarkets.ai/8150/llm.txt Terminal (magic-link auth): 1) >_ org-key search --query=<bank name> 2) >_ org-key proof --org_key=<ORG_KEY> # both Me and Them sides 3) >_ mint 8150 dealcard --me_org_key=<ME> --them_org_key=<THEM> --scenario=<SCENARIO> 4) >_ key issue --series=8150 5) >_ help dealcard Exhibit boundary hint: https://smartmarkets.ai/review/banking/2026-05-22-huntington-cadence-pre-close-exhibit is a past-tense training Explainer only — Cadence is already rolled under Huntington; you cannot mint this pair on the production rail.
OPB METHODOLOGY
ORR is the change-control rail for this Explainer — one FFIEC stack per cvr_cycle_id, one narrative pin per pre-close deal.
Deal teams should recognize these TRNSFM markings; OPB foots them at the Explainer cut plane for client-side audit.
Me = slice @ pin. Them = merged standalone @ pin. Post-close absorption is a lineage assumption only.
PRC bridge reads Smartmarkets LIBRARY at pin-replayed org_keys — same accretion instrument as forward minted DealCard, just with a past-tense exemplary cut.
See Prompt Chip for the production mint on your next deal. This Review Explainer trains the bridge — not production mint (you will not be able to mint this deal card; Them is already rolled under).
ORR STACK / CHANGE PLANE
Pin 2025-10-01 · ORR-8150-bank-2026Q2-rev1 · Me org_key 812003975 · Them org_key 811862036 standalone @ pin.
Exclude transforms on or after 2025-10-02 (forward CVR).
Pre-pin stack changes (newest first):
2025-10-01 — Guaranty Bancshares, Inc. → Glacier Bancorp, Inc. → Me stack change
2025-05-01 — Bank Of Idaho Holding Co. → Glacier Bancorp, Inc. → Me stack change
2024-02-01 — Community Financial Group, Inc. → Glacier Bancorp, Inc. → Me stack change
2021-10-01 — Altabancorp → Glacier Bancorp, Inc. → Me stack change
2020-03-01 — State Bank Corp. → Glacier Bancorp, Inc. → Me stack change
2019-08-01 — Heritage Bancorp → Glacier Bancorp, Inc. → Me stack change
2019-05-01 — Fnb Bancorp → Glacier Bancorp, Inc. → Me stack change
2018-03-01 — Inter-Mountain Bancorp., Inc. → Glacier Bancorp, Inc. → Me stack change
2018-02-01 — Columbine Capital Corp. → Glacier Bancorp, Inc. → Me stack change
2017-05-01 — Tfb Bancorp, Inc. → Glacier Bancorp, Inc. → Me stack change
2015-10-31 — Canon Bank Corporation → Glacier Bancorp, Inc. → Me stack change
2015-03-28 — Dcb Financial Corporation → Guaranty Bancshares, Inc. → Them stack change
2015-02-28 — Montana Community Banks, Inc. → Glacier Bancorp, Inc. → Me stack change
2014-09-01 — Fnbr Holding Corporation → Glacier Bancorp, Inc. → Me stack change
2013-08-01 — North Cascades Bancshares, Inc. → Glacier Bancorp, Inc. → Me stack change
2013-06-01 — Wheatland Bankshares, Inc. → Glacier Bancorp, Inc. → Me stack change
2009-10-02 — First Company → Glacier Bancorp, Inc. → Me stack change
2009-01-16 — Guaranty Financial Corporation → Guaranty Bancshares, Inc. → Them stack change
2008-12-01 — Bank Of The San Juans Bancorporation → Glacier Bancorp, Inc. → Me stack change
2006-10-01 — Citizens Development Company → Glacier Bancorp, Inc. → Me stack change
2005-11-01 — Thompson Falls Holding Company → Glacier Bancorp, Inc. → Me stack change
2005-04-01 — Citizens Bank Holding Company → Glacier Bancorp, Inc. → Me stack change
2005-03-01 — First National Banks-West Co. → Glacier Bancorp, Inc. → Me stack change
2003-07-16 — Pend Oreille Bancorp → Glacier Bancorp, Inc. → Me stack change
2001-02-28 — Westerfed Financial Corporation → Glacier Bancorp, Inc. → Me stack change
1998-08-31 — Hub Financial Corporation → Glacier Bancorp, Inc. → Me stack change
1996-12-31 — Missoula Bancshares, Inc. → Glacier Bancorp, Inc. → Me stack change
Post-close (excluded from geography):
2025-10-01 — RSSD 1862036 → RSSD 2003975 [after pin · TRNSFM_CD=1]
Internal control: PRC @ 2025-10-01 = stack after scroll above, before post-close absorption.
CSV footnote · 1862036→2003975 TRNSFM_CD=1 @ 2025-10-01 · member rollup sod_branch_count=0 · inherited_via_transform=true (NIC BHC close; no CSV branch reopen under buyer). 6AD-006-001 assumption: DealCard PRC treats Them branches as surviving accretion @ pin — disclosed design choice; not implied by NIC CSV branch rows alone.