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 | 18,246 |
| Cash Deposits and Cash Equivalents | 156,863 |
| Deposits | 1,758,669 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 1,562,163 |
| Loans and Leases Receivable | 2,000,578 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Assets and Securities | -9.81 |
| Assets | 3.01 |
| Liabilities and Borrowings | -33.3 |
| Stockholders Equity | 3.35 |
| ECR before LimitedLiability | 5.23 |
| Loans and Leases Receivable | 16.5 |
| Goodwill | -0.979 |
| Cash Deposits and Cash Equivalents | 1.68 |
| Other Assets | -4.22 |
| Expenses | 3.17 |
| Revenues | -0.862 |
| Net Income | 3.57 |
| Labor Expense | 2.18 |
| Other Revenues | -0.862 |
| Other Liabilities | 17.3 |
| Deposits | 0.987 |
| Long-term Debt | 0.548 |
| Other Net Income | 1.26 |
| Comprehensive Net Income | 2.19 |
| Other Compr. Net Income | -1.38 |
| Economic Capital Ratio | 5.11 |
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.
