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 | 186,700 |
| Cash Deposits and Cash Equivalents | 224,921 |
| Deposits | 2,829,481 |
| Fees | 8,823 |
| Goodwill | 2,589 |
| IT and Equipment Expense | 3,125 |
| Labor Expense | 30,180 |
| Liabilities and Borrowings | 2,425,829 |
| Loans and Leases Receivable | 2,804,441 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 0.948 |
| Liabilities | 0.942 |
| Stockholders Equity | -1.76 |
| ECR before LimitedLiability | -1.96 |
| Liabilities and Borrowings | -30.5 |
| Other Liabilities | 11.3 |
| Assets and Securities | -7.68 |
| Assets | -2.43 |
| Loans and Leases Receivable | 8.85 |
| Goodwill | -1.00 |
| Cash Deposits and Cash Equivalents | 1.18 |
| Property, Plant and Equipment | -0.679 |
| Other Assets | -3.95 |
| Expenses | -2.68 |
| Other Net Income | 3.60 |
| Net Income | 0.810 |
| Fees | -0.759 |
| Occupancy | -0.787 |
| Labor Expense | -1.12 |
| Economic Capital Ratio | -2.08 |
| Other Compr. Net Income | -1.33 |
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.
