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 | 219,115 |
| Cash Deposits and Cash Equivalents | 163,436 |
| Deposits | 7,958,831 |
| Fees | 9,684 |
| Goodwill | 373,424 |
| IT and Equipment Expense | 33,322 |
| Labor Expense | 127,565 |
| Liabilities and Borrowings | 182,979 |
| Loans and Leases Receivable | 7,978,779 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 3.65 |
| Liabilities | 5.56 |
| Stockholders Equity | 3.09 |
| ECR before LimitedLiability | 3.86 |
| Liabilities and Borrowings | 17.2 |
| Other Liabilities | -45.2 |
| Long-term Debt | 0.582 |
| Assets and Securities | -9.70 |
| Assets | -1.84 |
| Loans and Leases Receivable | 8.89 |
| Goodwill | 1.75 |
| Cash Deposits and Cash Equivalents | -2.44 |
| Property, Plant and Equipment | -0.682 |
| Other Assets | 1.41 |
| Expenses | -4.78 |
| IT and Equipment Expense | -1.01 |
| Labor Expense | -2.74 |
| Other Revenues | -0.923 |
| Revenues | -0.923 |
| Economic Capital Ratio | 3.74 |
| Other Net Income | 5.90 |
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.
