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 | 113,974 |
| Cash Deposits and Cash Equivalents | 162,756 |
| Deposits | 1,899,184 |
| Fees | 3,053 |
| Goodwill | 0 |
| IT and Equipment Expense | 5,319 |
| Labor Expense | 32,322 |
| Liabilities and Borrowings | 144,030 |
| Loans and Leases Receivable | 1,841,833 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Liabilities | 2.16 |
| Stockholders Equity | -1.10 |
| ECR before LimitedLiability | -2.25 |
| Liabilities and Borrowings | 11.1 |
| Other Liabilities | -36.3 |
| Long-term Debt | 0.532 |
| Assets and Securities | -8.07 |
| Assets | -2.98 |
| Loans and Leases Receivable | 8.31 |
| Goodwill | -1.07 |
| Cash Deposits and Cash Equivalents | 1.62 |
| Other Assets | -4.41 |
| Other Noninterest Expense | -0.345 |
| Expenses | -4.46 |
| Other Net Income | 3.81 |
| Net Income | -0.469 |
| IT and Equipment Expense | -0.587 |
| Labor Expense | -3.10 |
| Comprehensive Net Income | -1.60 |
| Other Compr. Net Income | -1.13 |
| Economic Capital Ratio | -2.37 |
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.
