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 | 34,596,000 |
| Cash Deposits and Cash Equivalents | 10,030,000 |
| Deposits | 151,649,000 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 1,859,289 |
| Liabilities and Borrowings | 151,524,000 |
| Loans and Leases Receivable | 133,964,000 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 7.94 |
| Liabilities | 3.20 |
| Assets | -5.37 |
| Stockholders Equity | -3.00 |
| Economic Capital Ratio | -0.417 |
| Liabilities and Borrowings | -34.8 |
| Other Liabilities | 13.0 |
| Long-term Debt | -7.29 |
| Loans and Leases Receivable | -3.05 |
| Goodwill | -1.10 |
| Property, Plant and Equipment | -0.706 |
| Other Assets | -0.878 |
| Other Noninterest Expense | -4.47 |
| Expenses | -5.13 |
| Revenues | 10.9 |
| Net Income | 1.22 |
| Labor Expense | -1.21 |
| Other Revenues | 10.9 |
| Other Net Income | -7.94 |
| Comprehensive Net Income | 1.87 |
| Other Compr. Net Income | 0.662 |
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.
