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 | 50,125,000 |
| Cash Deposits and Cash Equivalents | 2,425,000 |
| Deposits | 183,313,000 |
| Fees | 0 |
| Goodwill | 8,187,000 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 148,335,000 |
| Loans and Leases Receivable | 141,947,000 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -1.55 |
| Liabilities | -2.53 |
| Assets | 3.00 |
| Stockholders Equity | 1.00 |
| ECR before LimitedLiability | 2.06 |
| Liabilities and Borrowings | -27.3 |
| Other Liabilities | 15.0 |
| Long-term Debt | -4.02 |
| Assets and Securities | 5.13 |
| Loans and Leases Receivable | -1.49 |
| Goodwill | 1.68 |
| Cash Deposits and Cash Equivalents | -2.62 |
| Expenses | 4.23 |
| Revenues | -0.849 |
| Comprehensive Net Income | 1.54 |
| Other Expenses | 0.822 |
| Labor Expense | 2.14 |
| Other Revenues | -0.849 |
| Other Compr. Net Income | 1.38 |
| Other Net Income | -3.27 |
| Economic Capital Ratio | 1.94 |
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.
