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 | 407,204 |
| Cash Deposits and Cash Equivalents | 212,317 |
| Deposits | 3,350,398 |
| Fees | 0 |
| Goodwill | 71,498 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 0 |
| Loans and Leases Receivable | 3,300,000 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -1.55 |
| Liabilities | -3.14 |
| Assets | 4.21 |
| Stockholders Equity | 1.80 |
| Economic Capital Ratio | -0.292 |
| Liabilities and Borrowings | 13.2 |
| Other Liabilities | -42.7 |
| Long-term Debt | -2.04 |
| Assets and Securities | -3.90 |
| Loans and Leases Receivable | 9.90 |
| Cash Deposits and Cash Equivalents | 0.317 |
| Other Assets | -3.11 |
| Other Noninterest Expense | 0.491 |
| Expenses | 3.95 |
| Revenues | -0.833 |
| Comprehensive Net Income | -1.34 |
| Occupancy | 0.313 |
| Other Expenses | 0.703 |
| Labor Expense | 2.08 |
| Other Revenues | -0.833 |
| Other Compr. Net Income | -1.36 |
| Other Net Income | -3.25 |
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.
