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 | 3,246,523 |
| Cash Deposits and Cash Equivalents | 667,337 |
| Deposits | 17,479,957 |
| Fees | 0 |
| Goodwill | 1,398,253 |
| IT and Equipment Expense | 33,485 |
| Labor Expense | 254,123 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 15,388,626 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 7.11 |
| Liabilities | 8.78 |
| Stockholders Equity | 6.60 |
| ECR before LimitedLiability | 10.3 |
| Liabilities and Borrowings | 23.5 |
| Other Liabilities | -51.1 |
| Long-term Debt | 0.611 |
| Assets and Securities | -1.44 |
| Assets | -1.18 |
| Loans and Leases Receivable | -0.946 |
| Goodwill | 3.45 |
| Cash Deposits and Cash Equivalents | -1.47 |
| Other Assets | -1.15 |
| Expenses | -4.77 |
| Other Net Income | 7.53 |
| Net Income | 2.84 |
| Occupancy | -0.657 |
| Other Expenses | -2.53 |
| Labor Expense | -2.06 |
| Comprehensive Net Income | 2.89 |
| Economic Capital Ratio | 10.2 |
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.
