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 | 249,088 |
| Cash Deposits and Cash Equivalents | 126,510 |
| Deposits | 922,926 |
| Fees | 1,281 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 13,231 |
| Liabilities and Borrowings | 658,718 |
| Loans and Leases Receivable | 558,350 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -3.07 |
| Liabilities | 2.67 |
| Stockholders Equity | -1.93 |
| Economic Capital Ratio | 0.360 |
| Liabilities and Borrowings | -21.1 |
| Other Liabilities | 13.4 |
| Long-term Debt | 0.566 |
| Assets and Securities | 5.52 |
| Assets | -3.94 |
| Loans and Leases Receivable | -11.1 |
| Goodwill | -1.08 |
| Cash Deposits and Cash Equivalents | 5.27 |
| Property, Plant and Equipment | 2.59 |
| Other Assets | -4.30 |
| Other Noninterest Expense | -1.54 |
| Expenses | -3.73 |
| Revenues | -0.534 |
| Comprehensive Net Income | 1.79 |
| Other Expenses | 0.862 |
| Labor Expense | -2.57 |
| Other Revenues | -0.534 |
| Other Compr. Net Income | 2.28 |
| Other Net Income | 3.68 |
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.
