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 | 1,991,496 |
| Cash Deposits and Cash Equivalents | 157,014 |
| Deposits | 8,263,901 |
| Fees | 0 |
| Goodwill | 304,442 |
| IT and Equipment Expense | 0 |
| Labor Expense | 150,330 |
| Liabilities and Borrowings | 5,822,719 |
| Loans and Leases Receivable | 6,985,325 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | 2.38 |
| Liabilities | 6.36 |
| Stockholders Equity | 1.77 |
| ECR before LimitedLiability | 4.66 |
| Liabilities and Borrowings | -16.3 |
| Other Liabilities | 14.6 |
| Assets and Securities | 2.62 |
| Assets | -3.59 |
| Goodwill | 1.19 |
| Cash Deposits and Cash Equivalents | -2.54 |
| Other Assets | -4.69 |
| Other Noninterest Expense | -3.06 |
| Expenses | -5.65 |
| Net Income | 1.27 |
| Labor Expense | -3.56 |
| Other Revenues | 1.56 |
| Revenues | 1.56 |
| Other Net Income | 5.35 |
| Comprehensive Net Income | 2.03 |
| Other Compr. Net Income | 0.760 |
| Economic Capital Ratio | 4.55 |
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.
