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 | 54,019 |
| Cash Deposits and Cash Equivalents | 255,092 |
| Deposits | 1,700,833 |
| Fees | 0 |
| Goodwill | 11,208 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 1,359,417 |
| Loans and Leases Receivable | 1,587,024 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -4.99 |
| Liabilities | 0.598 |
| Stockholders Equity | 1.74 |
| ECR before LimitedLiability | 6.16 |
| Liabilities and Borrowings | -31.5 |
| Other Liabilities | 19.1 |
| Assets and Securities | -8.71 |
| Assets | 1.06 |
| Loans and Leases Receivable | 10.9 |
| Cash Deposits and Cash Equivalents | 6.12 |
| Other Assets | -5.17 |
| Expenses | 2.59 |
| Net Income | 5.45 |
| Other Expenses | -0.980 |
| Labor Expense | 2.22 |
| Other Revenues | -0.878 |
| Revenues | -0.878 |
| Other Net Income | 3.74 |
| Comprehensive Net Income | 4.50 |
| Other Compr. Net Income | -0.953 |
| Economic Capital Ratio | 6.05 |
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.
