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 | 472,487 |
| Cash Deposits and Cash Equivalents | 98,918 |
| Deposits | 5,214,663 |
| Fees | 3,903 |
| Goodwill | 136,620 |
| IT and Equipment Expense | 21,704 |
| Labor Expense | 94,503 |
| Liabilities and Borrowings | 2,864,031 |
| Loans and Leases Receivable | 4,826,747 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Liabilities | 4.36 |
| Stockholders Equity | 1.73 |
| ECR before LimitedLiability | 0.921 |
| Liabilities and Borrowings | -4.05 |
| Other Liabilities | 7.03 |
| Long-term Debt | 0.567 |
| Assets and Securities | -6.23 |
| Assets | -2.19 |
| Loans and Leases Receivable | 6.77 |
| Goodwill | 0.581 |
| Cash Deposits and Cash Equivalents | -2.52 |
| Other Noninterest Expense | -0.643 |
| Expenses | -5.12 |
| Other Net Income | 4.60 |
| Net Income | -0.558 |
| IT and Equipment Expense | -0.798 |
| Other Expenses | -0.742 |
| Labor Expense | -2.62 |
| Comprehensive Net Income | -1.39 |
| Other Compr. Net Income | -0.833 |
| Economic Capital Ratio | 0.803 |
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.
