Key figures for the selected year.
The model's causal graph for 2025. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | 1,874,407 |
| Cash Deposits and Cash Equivalents | 0 |
| Deposits | 7,225,575 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 30,217 |
| Labor Expense | 128,026 |
| Liabilities and Borrowings | 5,908,440 |
| Loans and Leases Receivable | 6,884,823 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 5.70 |
| Liabilities | 6.73 |
| Stockholders Equity | 2.71 |
| ECR before LimitedLiability | 5.14 |
| Liabilities and Borrowings | -23.7 |
| Other Liabilities | 16.2 |
| Assets and Securities | 3.04 |
| Assets | -3.08 |
| Loans and Leases Receivable | 4.26 |
| Goodwill | -1.07 |
| Cash Deposits and Cash Equivalents | -3.63 |
| Other Assets | -4.60 |
| Expenses | -5.71 |
| Other Net Income | 6.59 |
| Net Income | 0.857 |
| IT and Equipment Expense | -0.970 |
| Other Expenses | -1.48 |
| Labor Expense | -3.23 |
| Comprehensive Net Income | 1.60 |
| Other Compr. Net Income | 0.738 |
| Economic Capital Ratio | 5.03 |
Charts generated by the RealRate valuation model for this report year.
Distribution of each variable's impact on financial strength — green strengthens, red weakens.
How the company's key drivers have shifted across years.
Model-forecast valuation vs. observed market value.
