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 | 36,649,000 |
| Cash Deposits and Cash Equivalents | 18,769,000 |
| Deposits | 166,909,000 |
| Fees | 0 |
| Goodwill | 8,465,000 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 4,364,000 |
| Loans and Leases Receivable | 136,586,000 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 0.742 |
| Liabilities | -0.973 |
| Assets | 3.27 |
| Stockholders Equity | 2.73 |
| ECR before LimitedLiability | 3.97 |
| Liabilities and Borrowings | 17.3 |
| Other Liabilities | -39.0 |
| Long-term Debt | -4.26 |
| Assets and Securities | 1.42 |
| Goodwill | 1.95 |
| Cash Deposits and Cash Equivalents | 3.08 |
| Other Assets | -2.61 |
| Expenses | 3.62 |
| Net Income | 2.22 |
| Labor Expense | 2.16 |
| Other Revenues | -0.856 |
| Revenues | -0.856 |
| Other Net Income | -0.546 |
| Comprehensive Net Income | 1.63 |
| Other Compr. Net Income | -0.592 |
| Economic Capital Ratio | 3.85 |
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.
