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 | 20,851,000 |
| Cash Deposits and Cash Equivalents | 3,596,000 |
| Deposits | 77,159,000 |
| Fees | 0 |
| Goodwill | 0 |
| IT and Equipment Expense | 0 |
| Labor Expense | 0 |
| Liabilities and Borrowings | 59,239,000 |
| Loans and Leases Receivable | 61,714,000 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deposits | -2.62 |
| Liabilities | -4.31 |
| Stockholders Equity | -1.54 |
| ECR before LimitedLiability | -1.68 |
| Liabilities and Borrowings | -23.7 |
| Other Liabilities | 10.7 |
| Assets and Securities | 4.76 |
| Assets | 2.12 |
| Loans and Leases Receivable | 0.761 |
| Goodwill | -0.992 |
| Cash Deposits and Cash Equivalents | -0.638 |
| Other Assets | -1.78 |
| Expenses | 3.84 |
| Revenues | -0.830 |
| Net Income | 1.07 |
| Other Expenses | 0.752 |
| Labor Expense | 2.03 |
| Other Revenues | -0.830 |
| Other Net Income | -2.23 |
| Economic Capital Ratio | -1.79 |
| Other Compr. Net Income | -0.680 |
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.
