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 | 252,085 |
| Cash Deposits and Cash Equivalents | 512,240 |
| Deposits | 2,685,329 |
| Fees | 1,269 |
| Goodwill | 143,946 |
| IT and Equipment Expense | 6,147 |
| Labor Expense | 56,513 |
| Liabilities and Borrowings | 1,789,074 |
| Loans and Leases Receivable | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 3.46 |
| Liabilities | 7.02 |
| Stockholders Equity | 3.33 |
| ECR before LimitedLiability | 1.37 |
| Liabilities and Borrowings | -11.7 |
| Other Liabilities | 11.3 |
| Long-term Debt | 0.584 |
| Assets and Securities | -6.42 |
| Assets | -3.31 |
| Loans and Leases Receivable | -38.5 |
| Goodwill | 2.24 |
| Cash Deposits and Cash Equivalents | 7.81 |
| Other Assets | 14.7 |
| Expenses | -8.62 |
| Net Income | -1.83 |
| Other Expenses | -4.07 |
| Labor Expense | -4.42 |
| Other Net Income | 6.64 |
| Comprehensive Net Income | -2.92 |
| Other Compr. Net Income | -1.10 |
| Economic Capital Ratio | 1.25 |
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.
