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 | 1,657,394 |
| Cash Deposits and Cash Equivalents | 118,882 |
| Deposits | 6,989,742 |
| Fees | 14,995 |
| Goodwill | 375,470 |
| IT and Equipment Expense | 16,451 |
| Labor Expense | 111,708 |
| Liabilities and Borrowings | 3,755,374 |
| Loans and Leases Receivable | 5,797,403 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 1.18 |
| Liabilities | 4.64 |
| Stockholders Equity | 2.28 |
| ECR before LimitedLiability | 3.55 |
| Liabilities and Borrowings | -2.50 |
| Other Liabilities | 5.29 |
| Long-term Debt | 0.577 |
| Assets and Securities | 2.56 |
| Assets | -1.78 |
| Goodwill | 2.27 |
| Cash Deposits and Cash Equivalents | -2.60 |
| Property, Plant and Equipment | -0.679 |
| Other Assets | -3.14 |
| Other Noninterest Expense | -0.735 |
| Expenses | -3.86 |
| Other Net Income | 5.14 |
| Net Income | 0.924 |
| Other Expenses | 1.09 |
| Labor Expense | -2.69 |
| Comprehensive Net Income | 0.733 |
| Economic Capital Ratio | 3.44 |
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.
