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 | 295,499 |
| Cash Deposits and Cash Equivalents | 62,962 |
| Deposits | 1,781,599 |
| Fees | 1,676 |
| Goodwill | 34,740 |
| IT and Equipment Expense | 4,917 |
| Labor Expense | 42,961 |
| Liabilities and Borrowings | 1,329,416 |
| Loans and Leases Receivable | 1,501,649 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 2.45 |
| Liabilities | 2.85 |
| Assets | -4.91 |
| Stockholders Equity | -1.83 |
| ECR before LimitedLiability | -4.70 |
| Liabilities and Borrowings | -17.9 |
| Other Liabilities | 8.33 |
| Long-term Debt | -1.12 |
| Assets and Securities | -2.09 |
| Cash Deposits and Cash Equivalents | -1.54 |
| Property, Plant and Equipment | 2.34 |
| Other Assets | -3.35 |
| Expenses | -7.76 |
| Revenues | -0.834 |
| Net Income | -3.30 |
| Occupancy | -1.20 |
| Labor Expense | -5.05 |
| Other Revenues | -0.834 |
| Other Net Income | 3.96 |
| Comprehensive Net Income | -3.51 |
| Economic Capital Ratio | -4.81 |
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.
