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 | 6,181,914 |
| Cash Deposits and Cash Equivalents | 388,545 |
| Deposits | 16,256,343 |
| Fees | 0 |
| Goodwill | 1,034,735 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 4,186,662 |
| Loans and Leases Receivable | 12,449,181 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -0.612 |
| Liabilities | -1.71 |
| Stockholders Equity | 3.74 |
| ECR before LimitedLiability | 3.09 |
| Liabilities and Borrowings | 13.2 |
| Other Liabilities | -20.1 |
| Assets and Securities | 10.7 |
| Assets | 4.85 |
| Loans and Leases Receivable | -2.51 |
| Goodwill | 2.75 |
| Cash Deposits and Cash Equivalents | -1.99 |
| Other Assets | -4.15 |
| Other Noninterest Expense | 0.498 |
| Expenses | 4.27 |
| Occupancy | 0.318 |
| Other Expenses | 0.872 |
| Labor Expense | 2.13 |
| Other Revenues | -0.842 |
| Revenues | -0.842 |
| Economic Capital Ratio | 2.97 |
| Other Net Income | -3.66 |
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.
