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 | 1,025,494 |
| Cash Deposits and Cash Equivalents | 149,774 |
| Deposits | 4,528,774 |
| Fees | 0 |
| Goodwill | 69,751 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 24,542 |
| Loans and Leases Receivable | 3,973,012 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -1.21 |
| Liabilities | -2.31 |
| Assets | 1.99 |
| Comprehensive Net Income | 1.97 |
| ECR before LimitedLiability | 1.71 |
| Liabilities and Borrowings | 15.0 |
| Other Liabilities | -47.2 |
| Long-term Debt | 0.532 |
| Assets and Securities | 2.21 |
| Loans and Leases Receivable | 4.50 |
| Cash Deposits and Cash Equivalents | -1.50 |
| Other Assets | -3.01 |
| Other Noninterest Expense | 0.506 |
| Expenses | 3.62 |
| Net Income | 2.60 |
| Occupancy | 0.323 |
| Labor Expense | 2.16 |
| Other Revenues | -0.856 |
| Revenues | -0.856 |
| Other Compr. Net Income | -0.629 |
| Economic Capital Ratio | 1.59 |
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.
