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 | 543,532 |
| Cash Deposits and Cash Equivalents | 232,179 |
| Deposits | 1,792,962 |
| Fees | 1,192 |
| Goodwill | 0 |
| IT and Equipment Expense | 3,043 |
| Labor Expense | 31,371 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 1,129,606 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -1.37 |
| Liabilities | 3.58 |
| Stockholders Equity | -0.919 |
| Economic Capital Ratio | -0.283 |
| Liabilities and Borrowings | 13.2 |
| Other Liabilities | -42.0 |
| Long-term Debt | 0.564 |
| Assets and Securities | 6.95 |
| Assets | -3.91 |
| Loans and Leases Receivable | -10.5 |
| Goodwill | -1.09 |
| Cash Deposits and Cash Equivalents | 4.60 |
| Other Assets | -3.61 |
| Other Noninterest Expense | -1.44 |
| Expenses | -5.19 |
| Other Net Income | 5.62 |
| Net Income | 0.632 |
| Occupancy | -0.544 |
| Other Expenses | 0.541 |
| Labor Expense | -3.48 |
| Other Compr. Net Income | -0.557 |
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.
