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 | 2,371,418 |
| Cash Deposits and Cash Equivalents | 309,595 |
| Deposits | 10,748,421 |
| Fees | 0 |
| Goodwill | 478,750 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 187,434 |
| Loans and Leases Receivable | 8,598,838 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -5.27 |
| Liabilities | -1.23 |
| Stockholders Equity | 2.19 |
| ECR before LimitedLiability | 4.89 |
| Liabilities and Borrowings | 18.2 |
| Other Liabilities | -37.9 |
| Assets and Securities | 2.52 |
| Assets | 2.96 |
| Loans and Leases Receivable | 2.29 |
| Goodwill | 1.79 |
| Cash Deposits and Cash Equivalents | -1.62 |
| Other Assets | -2.09 |
| Expenses | 4.29 |
| Revenues | -0.856 |
| Comprehensive Net Income | 3.09 |
| Other Expenses | 0.811 |
| Labor Expense | 2.16 |
| Other Revenues | -0.856 |
| Other Compr. Net Income | 2.67 |
| Other Net Income | -3.01 |
| Economic Capital Ratio | 4.78 |
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.
