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 | 331,992 |
| Cash Deposits and Cash Equivalents | 48,540 |
| Deposits | 1,412,752 |
| Fees | 0 |
| Goodwill | 25,609 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 1,148,963 |
| Loans and Leases Receivable | 1,168,469 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -3.85 |
| Liabilities | -1.66 |
| Assets | 2.05 |
| Stockholders Equity | 0.799 |
| ECR before LimitedLiability | 3.91 |
| Liabilities and Borrowings | -30.8 |
| Other Liabilities | 17.0 |
| Long-term Debt | -1.68 |
| Assets and Securities | 3.22 |
| Loans and Leases Receivable | 3.15 |
| Cash Deposits and Cash Equivalents | -1.34 |
| Other Assets | -3.39 |
| Expenses | 4.05 |
| Net Income | 2.58 |
| Labor Expense | 2.17 |
| Other Revenues | -0.860 |
| Revenues | -0.860 |
| Other Net Income | -0.619 |
| Comprehensive Net Income | 3.44 |
| Other Compr. Net Income | 0.864 |
| Economic Capital Ratio | 3.79 |
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.
