{
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"name": "SWK Holdings Corp",
"rank": 1,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001089907.svg",
"report_text": "The relative strengths and weaknesses of SWK Holdings Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of SWK Holdings Corp compared to the market average is the variable Stockholders Equity, increasing the Economic Capital Ratio by 63% points.The greatest weakness of SWK Holdings Corp is the variable Other Expenses, reducing the Economic Capital Ratio by 13% points.
The company's Economic Capital Ratio, given in the ranking table, is 84%, being 68% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001089907_2025_SWK_Holdings_Corp.pdf",
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"Stockholders Equity": "81.9",
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"Other Assets": "-1.90",
"Other Liabilities": "25.7",
"Liabilities": "71.7",
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"Expenses": "-20.1",
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"General and Administrative Expense": "0.801",
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"Comprehensive Net Income": "3.12",
"Other Net Income": "-2.46",
"Other Compr. Net Income": "-4.58",
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"Assets": "-1.87",
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"Liabilities": "68.1",
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"Revenues": "20.0",
"Net Income": "5.18",
"Labor and Related Expense": "0.796",
"Other Expenses": "-11.5",
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"Operating Expenses": "1.90",
"General and Administrative Expense": "-4.14",
"Other Revenues": "20.0",
"Comprehensive Net Income": "5.33",
"Other Net Income": "-3.04",
"Economic Capital Ratio": "86.4"
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"2019": {
"Other Assets": "-9.70",
"Assets": "-2.28",
"Stockholders Equity": "76.1",
"ECR before LimitedLiability": "88.0",
"Loans": "1.09",
"Liabilities": "62.0",
"Deposits": "49.5",
"Debt": "10.8",
"Other Liabilities": "11.8",
"General and Administrative Expense": "-4.92",
"Expenses": "-1.85",
"Revenues": "18.9",
"Net Income": "16.6",
"Depreciation and Amortization": "-3.53",
"Other Expenses": "3.66",
"Operating Expenses": "0.898",
"Selling and Marketing Expense": "1.02",
"Labor and Related Expense": "0.849",
"Other Revenues": "18.9",
"Comprehensive Net Income": "16.5",
"Economic Capital Ratio": "87.8"
},
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"Notes Receivable": "-1.55",
"Assets": "6.61",
"Liabilities": "51.6",
"Stockholders Equity": "62.2",
"ECR before LimitedLiability": "64.2",
"Other Assets": "33.1",
"Loans": "-3.77",
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"Deposits": "43.4",
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"Operating Expenses": "1.71",
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"Other Expenses": "-3.74",
"Other Revenues": "18.8",
"Comprehensive Net Income": "2.21",
"Other Net Income": "-3.26",
"Economic Capital Ratio": "63.8"
},
"2021": {
"Assets": "-2.81",
"Stockholders Equity": "77.3",
"ECR before LimitedLiability": "88.7",
"Loans": "1.39",
"Other Assets": "-8.64",
"Other Liabilities": "17.9",
"Liabilities": "68.8",
"Deposits": "54.2",
"Debt": "10.1",
"Expenses": "-14.7",
"Revenues": "31.4",
"Net Income": "14.8",
"Other Expenses": "-8.64",
"Operating Expenses": "1.63",
"Labor and Related Expense": "1.61",
"General and Administrative Expense": "-8.06",
"Depreciation and Amortization": "-2.59",
"Other Revenues": "31.4",
"Comprehensive Net Income": "15.0",
"Other Net Income": "-1.89",
"Economic Capital Ratio": "88.3"
},
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"Assets": "22.6",
"Liabilities": "41.8",
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"Notes Receivable": "-5.20",
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"Other Liabilities": "11.7",
"Debt": "8.03",
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"Expenses": "5.56",
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"General and Administrative Expense": "-7.18",
"Other Expenses": "9.50",
"Operating Expenses": "1.91",
"Other Revenues": "-30.7",
"Comprehensive Net Income": "-26.6",
"Other Net Income": "-2.44",
"Economic Capital Ratio": "44.8"
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"Assets": "6.37",
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"General and Administrative Expense": "-3.97",
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"Selling and Marketing Expense": "2.13",
"Other Revenues": "14.7",
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"Other Net Income": "0.888",
"Economic Capital Ratio": "67.7"
}
},
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"Professional Fees": "0",
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"BaseVar": "141,720",
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"Economic Capital Ratio": "101%"
}
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"2018": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
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"General and Administrative Expense": "4,883",
"Interest Expense": "160",
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"Other Net Income": "-656",
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"Securities": "532",
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"Expenses": "19,139",
"Revenues": "25,990",
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"Net Income": "6,195",
"Comprehensive Net Income": "6,195",
"BaseVar": "132,026",
"ECR before LimitedLiability": "103%",
"Economic Capital Ratio": "103%"
}
},
"2019": {
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"Debt": "0",
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"Interest Expense": "338",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
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"Operating Expenses": "0",
"Other Assets": "241,412",
"Other Compr. Net Income": "0",
"Other Expenses": "-3,601",
"Other Liabilities": "17,840",
"Other Net Income": "2,202",
"Other Revenues": "30,747",
"Professional Fees": "0",
"Securities": "1,802",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "254,372",
"Liabilities": "17,840",
"Expenses": "9,121",
"Revenues": "30,747",
"Stockholders Equity": "236,532",
"Net Income": "23,828",
"Comprehensive Net Income": "23,828",
"BaseVar": "157,141",
"ECR before LimitedLiability": "104%",
"Economic Capital Ratio": "104%"
}
},
"2020": {
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"Deposits": "0",
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"General and Administrative Expense": "10,546",
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"Other Net Income": "-1,124",
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"Selling and Marketing Expense": "0"
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"output_variables": {
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"Expenses": "30,386",
"Revenues": "36,712",
"Stockholders Equity": "240,512",
"Net Income": "5,202",
"Comprehensive Net Income": "5,202",
"BaseVar": "187,756",
"ECR before LimitedLiability": "82%",
"Economic Capital Ratio": "82%"
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"Selling and Marketing Expense": "0"
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"BaseVar": "194,208",
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"Economic Capital Ratio": "107%"
}
},
"2022": {
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"Other Net Income": "-262",
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},
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"Economic Capital Ratio": "61%"
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},
"2024": {
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"Other Expenses": "26,798",
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"Other Net Income": "6,786",
"Other Revenues": "44,987",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "43,545",
"Expenses": "38,285",
"Revenues": "44,987",
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"BaseVar": "232,919",
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"Economic Capital Ratio": "84%"
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}
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{
"company_id": "0001386044",
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"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001386044.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001386044_main_keyfigs.svg",
"name": "Awareness Group Inc",
"rank": 2,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001386044.svg",
"report_text": "The relative strengths and weaknesses of Awareness Group Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Awareness Group Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 50% points.The greatest weakness of Awareness Group Inc is the variable Notes Receivable, reducing the Economic Capital Ratio by 8.2% points.
The company's Economic Capital Ratio, given in the ranking table, is 61%, being 44% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001386044_2025_Awareness_Group_Inc.pdf",
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"Debt": "8.12",
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"Other Liabilities": "-6.11",
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"Revenues": "-1.17",
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"Comprehensive Net Income": "1.32",
"Other Net Income": "-2.19",
"Economic Capital Ratio": "44.5"
}
},
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"input_variables": {
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"Debt": "0",
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"Interest Payable": "0",
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"Loans": "0",
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"Operating Expenses": "310",
"Other Assets": "30,270",
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"Other Expenses": "949",
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"Other Net Income": "31",
"Other Revenues": "1,273",
"Professional Fees": "26",
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"Revenues": "1,273",
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"Net Income": "-20",
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"BaseVar": "20,126",
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"Economic Capital Ratio": "61%"
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001386044.svg",
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{
"company_id": "0000108385",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0000108385.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0000108385.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000108385.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000108385_256x256.png",
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"name": "World Acceptance CORP",
"rank": 3,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0000108385.svg",
"report_text": "The relative strengths and weaknesses of World Acceptance CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of World Acceptance CORP compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 32% points.The greatest weakness of World Acceptance CORP is the variable Expenses, reducing the Economic Capital Ratio by 40% points.
The company's Economic Capital Ratio, given in the ranking table, is 35%, being 19% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0000108385_2025_World_Acceptance_CORP.pdf",
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"Operating Expenses": "-61.8",
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"Economic Capital Ratio": "28.2"
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"Notes Receivable": "-7.71",
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},
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"Expenses": "-47.6",
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"Operating Expenses": "4.35",
"Occupancy": "-4.24",
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"Comprehensive Net Income": "2.69",
"Economic Capital Ratio": "10.7"
},
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"Occupancy": "-5.31",
"Expenses": "-40.3",
"Revenues": "31.9",
"Net Income": "9.28",
"Labor and Related Expense": "-16.5",
"Other Expenses": "4.91",
"General and Administrative Expense": "-28.4",
"Interest Expense": "-4.94",
"Operating Expenses": "6.32",
"Other Revenues": "31.9",
"Comprehensive Net Income": "9.34",
"Economic Capital Ratio": "18.6"
}
},
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"Operating Expenses": "419,587",
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"Other Net Income": "0",
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"Revenues": "557,476",
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}
},
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"Revenues": "531,735",
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}
},
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}
},
"2022": {
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}
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"BaseVar": "1,530,634",
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"Economic Capital Ratio": "26%"
}
},
"2024": {
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"Debt": "0",
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}
},
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"trend": 0.0,
"value": 0.34921678227341574,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0000108385.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0000108385.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0000108385.svg"
},
{
"company_id": "0001041514",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001041514.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001041514.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001041514.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001041514_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001041514_main_keyfigs.svg",
"name": "Lesaka Technologies INC",
"rank": 4,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001041514.svg",
"report_text": "The relative strengths and weaknesses of Lesaka Technologies INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Lesaka Technologies INC compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 28% points.The greatest weakness of Lesaka Technologies INC is the variable Expenses, reducing the Economic Capital Ratio by 108% points.
The company's Economic Capital Ratio, given in the ranking table, is 28%, being 11% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001041514_2025_Lesaka_Technologies_INC.pdf",
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"Assets": "-8.46",
"Liabilities": "26.8",
"Stockholders Equity": "14.6",
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"Other Assets": "26.2",
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"Deposits": "27.5",
"Other Liabilities": "-25.2",
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"Expenses": "-43.0",
"Revenues": "31.3",
"Net Income": "7.68",
"Selling and Marketing Expense": "-12.6",
"Other Expenses": "-35.7",
"Depreciation and Amortization": "-3.81",
"Operating Expenses": "5.20",
"Other Revenues": "31.3",
"Comprehensive Net Income": "3.31",
"Other Compr. Net Income": "-4.98",
"Economic Capital Ratio": "18.3"
},
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"Liabilities": "27.8",
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"Debt": "7.26",
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"Expenses": "-43.0",
"Revenues": "34.3",
"Net Income": "6.31",
"Selling and Marketing Expense": "-15.1",
"Other Expenses": "-30.2",
"Operating Expenses": "3.73",
"Depreciation and Amortization": "-3.55",
"Other Revenues": "34.3",
"Comprehensive Net Income": "8.44",
"Other Compr. Net Income": "2.28",
"Economic Capital Ratio": "25.0"
},
"2018": {
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"Assets": "-6.23",
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"Other Net Income": "4.11",
"Other Compr. Net Income": "-2.40",
"Economic Capital Ratio": "41.6"
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"Other Compr. Net Income": "-0.877",
"Economic Capital Ratio": "-14.2"
},
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"Stockholders Equity": "50.0",
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"Other Compr. Net Income": "9.73",
"Economic Capital Ratio": "48.3"
},
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"Comprehensive Net Income": "-5.00",
"Economic Capital Ratio": "10.5"
},
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"Debt": "9.07",
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"Economic Capital Ratio": "11.2",
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}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001041514_strength_weakness.svg",
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"Economic Capital Ratio": "35%"
}
},
"2017": {
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"Other Net Income": "23,561",
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},
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}
},
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}
},
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},
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"Economic Capital Ratio": "2.3%"
}
},
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}
},
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{
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"name": "Rocket Companies Inc",
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"report_text": "The relative strengths and weaknesses of Rocket Companies Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Rocket Companies Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 21% points.The greatest weakness of Rocket Companies Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 28% points.
The company's Economic Capital Ratio, given in the ranking table, is 25%, being 9.1% points above the market average of 16%.",
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{
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"name": "Guild Holdings Co",
"rank": 6,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001821160.svg",
"report_text": "The relative strengths and weaknesses of Guild Holdings Co are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Guild Holdings Co compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 19% points.The greatest weakness of Guild Holdings Co is the variable Other Liabilities, reducing the Economic Capital Ratio by 33% points.
The company's Economic Capital Ratio, given in the ranking table, is 22%, being 5.4% points above the market average of 16%.",
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"Other Net Income": "1,164,821",
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"Expenses": "694,324",
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"Stockholders Equity": "1,183,493",
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"Comprehensive Net Income": "-39,137",
"BaseVar": "3,759,729",
"ECR before LimitedLiability": "18%",
"Economic Capital Ratio": "22%"
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},
"2024": {
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"Loans": "0",
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"Other Expenses": "-824,373",
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"Other Net Income": "1,049,711",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001881592.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001881592.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001881592_256x256.png",
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"report_text": "The relative strengths and weaknesses of NSTS Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of NSTS Bancorp Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 9.8% points.The greatest weakness of NSTS Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 20% points.
The company's Economic Capital Ratio, given in the ranking table, is 20%, being 4.1% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001881592_2025_NSTS_Bancorp_Inc.pdf",
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001881592.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001881592.svg"
},
{
"company_id": "0001029199",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001029199.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001029199.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001029199.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001029199_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001029199_main_keyfigs.svg",
"name": "Euronet Worldwide INC",
"rank": 8,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001029199.svg",
"report_text": "The relative strengths and weaknesses of Euronet Worldwide INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Euronet Worldwide INC compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 20% points.The greatest weakness of Euronet Worldwide INC is the variable Operating Expenses, reducing the Economic Capital Ratio by 54% points.
The company's Economic Capital Ratio, given in the ranking table, is 20%, being 4.1% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001029199_2025_Euronet_Worldwide_INC.pdf",
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"Economic Capital Ratio": "14.1"
},
"2018": {
"Other Assets": "-10.6",
"Assets": "-1.22",
"Liabilities": "9.51",
"Stockholders Equity": "6.82",
"ECR before LimitedLiability": "14.5",
"Notes Receivable": "-1.16",
"Loans": "12.3",
"Deposits": "22.8",
"Other Liabilities": "-48.0",
"Debt": "3.93",
"Expenses": "-7.10",
"Revenues": "14.9",
"Net Income": "7.98",
"Interest Expense": "-2.41",
"Labor and Related Expense": "-2.09",
"Other Expenses": "-3.14",
"Operating Expenses": "1.55",
"Other Revenues": "14.9",
"Comprehensive Net Income": "8.08",
"Other Net Income": "-2.08",
"Economic Capital Ratio": "14.2"
},
"2019": {
"Other Assets": "-10.1",
"Assets": "-0.903",
"Liabilities": "9.53",
"Stockholders Equity": "7.27",
"ECR before LimitedLiability": "14.2",
"Cash and Cash Equivalents": "1.09",
"Notes Receivable": "-2.18",
"Loans": "12.5",
"Deposits": "22.3",
"Debt": "5.48",
"Other Liabilities": "-48.0",
"Expenses": "-7.47",
"Revenues": "14.3",
"Net Income": "7.28",
"Other Expenses": "-3.37",
"Labor and Related Expense": "-1.90",
"Interest Expense": "-2.49",
"Other Revenues": "14.3",
"Comprehensive Net Income": "7.22",
"Other Net Income": "-1.82",
"Economic Capital Ratio": "14.0"
},
"2020": {
"Notes Receivable": "-5.23",
"Assets": "-2.27",
"Liabilities": "8.86",
"Stockholders Equity": "5.31",
"ECR before LimitedLiability": "9.48",
"Other Assets": "-11.3",
"Loans": "18.8",
"Other Liabilities": "-40.1",
"Deposits": "19.0",
"Debt": "4.14",
"Expenses": "-11.5",
"Revenues": "15.2",
"Net Income": "3.91",
"Operating Expenses": "1.29",
"Labor and Related Expense": "-1.33",
"Other Expenses": "-8.89",
"Interest Expense": "-2.11",
"Other Revenues": "15.2",
"Comprehensive Net Income": "3.94",
"Other Net Income": "-2.00",
"Economic Capital Ratio": "9.14"
},
"2021": {
"Assets": "-2.82",
"Liabilities": "8.58",
"Stockholders Equity": "3.73",
"ECR before LimitedLiability": "13.2",
"Loans": "20.6",
"Other Assets": "-11.2",
"Notes Receivable": "-6.26",
"Other Liabilities": "-51.7",
"Deposits": "23.2",
"Debt": "4.84",
"Expenses": "-7.34",
"Revenues": "17.6",
"Net Income": "9.88",
"Other Expenses": "-4.35",
"Operating Expenses": "1.29",
"Labor and Related Expense": "-1.77",
"Interest Expense": "-2.04",
"Other Revenues": "17.6",
"Comprehensive Net Income": "10.0",
"Other Net Income": "-2.65",
"Economic Capital Ratio": "12.8"
},
"2022": {
"Loans": "19.0",
"Assets": "-3.59",
"Liabilities": "7.61",
"Stockholders Equity": "2.56",
"ECR before LimitedLiability": "9.61",
"Other Assets": "-11.2",
"Notes Receivable": "-9.08",
"Deposits": "17.5",
"Other Liabilities": "-44.1",
"Debt": "4.58",
"Labor and Related Expense": "-1.87",
"Expenses": "-11.7",
"Revenues": "16.6",
"Net Income": "5.54",
"Other Expenses": "-8.92",
"Interest Expense": "-1.79",
"Operating Expenses": "1.49",
"Other Revenues": "16.6",
"Comprehensive Net Income": "6.21",
"Other Net Income": "-1.86",
"Economic Capital Ratio": "9.13"
},
"2023": {
"Assets": "-2.75",
"Liabilities": "6.98",
"Stockholders Equity": "2.92",
"ECR before LimitedLiability": "8.53",
"Notes Receivable": "-15.4",
"Loans": "21.6",
"Other Assets": "-11.7",
"Other Liabilities": "-37.5",
"Deposits": "14.7",
"Debt": "4.43",
"Interest Expense": "-2.39",
"Expenses": "-9.87",
"Revenues": "13.4",
"Net Income": "3.71",
"Labor and Related Expense": "-1.63",
"Other Expenses": "-10.1",
"Operating Expenses": "3.16",
"Other Revenues": "13.4",
"Other Net Income": "-1.10",
"Comprehensive Net Income": "3.59",
"Economic Capital Ratio": "6.63"
},
"2024": {
"Assets": "-2.82",
"Liabilities": "4.99",
"Stockholders Equity": "0.964",
"ECR before LimitedLiability": "5.73",
"Other Assets": "-11.8",
"Notes Receivable": "11.5",
"Loans": "-1.04",
"Cash and Cash Equivalents": "1.36",
"Debt": "4.66",
"Other Liabilities": "-34.4",
"Deposits": "12.6",
"Expenses": "-7.12",
"Revenues": "11.3",
"Net Income": "3.20",
"Labor and Related Expense": "-1.35",
"Other Expenses": "-3.33",
"Interest Expense": "-3.28",
"Other Revenues": "11.3",
"Comprehensive Net Income": "3.25",
"Other Net Income": "-1.82",
"Economic Capital Ratio": "3.19"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0000885550_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "239,300",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "48,200",
"Interest Expense": "97,700",
"Interest Payable": "0",
"Labor and Related Expense": "126,500",
"Loans": "3,886,600",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "92,100",
"Other Compr. Net Income": "-100",
"Other Expenses": "314,600",
"Other Liabilities": "3,044,300",
"Other Net Income": "0",
"Other Revenues": "969,200",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "49,400"
},
"output_variables": {
"Assets": "4,218,000",
"Liabilities": "3,044,300",
"Expenses": "636,400",
"Revenues": "969,200",
"Stockholders Equity": "1,173,700",
"Net Income": "332,800",
"Comprehensive Net Income": "332,700",
"BaseVar": "4,434,000",
"ECR before LimitedLiability": "25%",
"Economic Capital Ratio": "27%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "263,800",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "55,500",
"Interest Expense": "120,200",
"Interest Payable": "0",
"Labor and Related Expense": "140,100",
"Loans": "4,619,600",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "102,200",
"Other Compr. Net Income": "0",
"Other Expenses": "265,600",
"Other Liabilities": "3,449,800",
"Other Net Income": "0",
"Other Revenues": "1,110,000",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "58,400"
},
"output_variables": {
"Assets": "4,985,600",
"Liabilities": "3,449,800",
"Expenses": "639,800",
"Revenues": "1,110,000",
"Stockholders Equity": "1,535,800",
"Net Income": "470,200",
"Comprehensive Net Income": "470,200",
"BaseVar": "5,092,600",
"ECR before LimitedLiability": "29%",
"Economic Capital Ratio": "31%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "329,300",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "55,700",
"Interest Expense": "156,600",
"Interest Payable": "0",
"Labor and Related Expense": "167,800",
"Loans": "5,763,300",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "144,800",
"Other Compr. Net Income": "-100",
"Other Expenses": "264,000",
"Other Liabilities": "4,246,500",
"Other Net Income": "0",
"Other Revenues": "1,285,800",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "67,700"
},
"output_variables": {
"Assets": "6,237,400",
"Liabilities": "4,246,500",
"Expenses": "711,800",
"Revenues": "1,285,800",
"Stockholders Equity": "1,990,900",
"Net Income": "574,000",
"Comprehensive Net Income": "573,900",
"BaseVar": "6,240,800",
"ECR before LimitedLiability": "30%",
"Economic Capital Ratio": "31%"
}
},
"2019": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "65,100",
"Interest Expense": "196,200",
"Interest Payable": "0",
"Labor and Related Expense": "193,300",
"Loans": "6,685,200",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "220,300",
"Other Compr. Net Income": "1,100",
"Other Expenses": "308,100",
"Other Liabilities": "5,067,900",
"Other Net Income": "0",
"Other Revenues": "1,489,000",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "70,200"
},
"output_variables": {
"Assets": "7,423,200",
"Liabilities": "5,067,900",
"Expenses": "832,900",
"Revenues": "1,489,000",
"Stockholders Equity": "2,355,300",
"Net Income": "656,100",
"Comprehensive Net Income": "657,200",
"BaseVar": "7,407,050",
"ECR before LimitedLiability": "29%",
"Economic Capital Ratio": "31%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "396,200",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "69,600",
"Interest Expense": "192,000",
"Interest Payable": "0",
"Labor and Related Expense": "186,500",
"Loans": "6,787,900",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "304,900",
"Other Compr. Net Income": "800",
"Other Expenses": "730,700",
"Other Liabilities": "5,186,500",
"Other Net Income": "0",
"Other Revenues": "1,669,300",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "69,500"
},
"output_variables": {
"Assets": "7,489,000",
"Liabilities": "5,186,500",
"Expenses": "1,248,300",
"Revenues": "1,669,300",
"Stockholders Equity": "2,302,500",
"Net Income": "421,000",
"Comprehensive Net Income": "421,800",
"BaseVar": "7,796,950",
"ECR before LimitedLiability": "25%",
"Economic Capital Ratio": "27%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "434,200",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "100,300",
"Interest Expense": "164,200",
"Interest Payable": "0",
"Labor and Related Expense": "218,100",
"Loans": "6,336,300",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "280,400",
"Other Compr. Net Income": "-1,400",
"Other Expenses": "349,800",
"Other Liabilities": "5,226,700",
"Other Net Income": "0",
"Other Revenues": "1,856,000",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "65,300"
},
"output_variables": {
"Assets": "7,050,900",
"Liabilities": "5,226,700",
"Expenses": "897,700",
"Revenues": "1,856,000",
"Stockholders Equity": "1,824,200",
"Net Income": "958,300",
"Comprehensive Net Income": "956,900",
"BaseVar": "7,516,350",
"ECR before LimitedLiability": "30%",
"Economic Capital Ratio": "32%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "417,700",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "88,700",
"Interest Expense": "166,600",
"Interest Payable": "0",
"Labor and Related Expense": "262,000",
"Loans": "6,297,700",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "189,300",
"Other Compr. Net Income": "-3,100",
"Other Expenses": "703,700",
"Other Liabilities": "5,280,700",
"Other Net Income": "0",
"Other Revenues": "1,832,400",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "75,600"
},
"output_variables": {
"Assets": "6,904,700",
"Liabilities": "5,280,700",
"Expenses": "1,296,600",
"Revenues": "1,832,400",
"Stockholders Equity": "1,624,000",
"Net Income": "535,800",
"Comprehensive Net Income": "532,700",
"BaseVar": "7,658,750",
"ECR before LimitedLiability": "22%",
"Economic Capital Ratio": "25%"
}
},
"2023": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "87,200",
"Interest Expense": "266,500",
"Interest Payable": "0",
"Labor and Related Expense": "280,200",
"Loans": "6,955,300",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "184,000",
"Other Compr. Net Income": "1,900",
"Other Expenses": "890,200",
"Other Liabilities": "5,856,500",
"Other Net Income": "0",
"Other Revenues": "1,901,900",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "91,700"
},
"output_variables": {
"Assets": "7,610,200",
"Liabilities": "5,856,500",
"Expenses": "1,615,800",
"Revenues": "1,901,900",
"Stockholders Equity": "1,753,700",
"Net Income": "286,100",
"Comprehensive Net Income": "288,000",
"BaseVar": "8,493,150",
"ECR before LimitedLiability": "17%",
"Economic Capital Ratio": "22%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "845,000",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "97,900",
"Interest Expense": "419,500",
"Interest Payable": "0",
"Labor and Related Expense": "309,200",
"Loans": "0",
"Notes Receivable": "7,850,300",
"Occupancy": "0",
"Operating Expenses": "501,500",
"Other Assets": "159,300",
"Other Compr. Net Income": "700",
"Other Expenses": "492,000",
"Other Liabilities": "7,105,000",
"Other Net Income": "0",
"Other Revenues": "2,162,400",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "94,400"
},
"output_variables": {
"Assets": "8,854,600",
"Liabilities": "7,105,000",
"Expenses": "1,914,500",
"Revenues": "2,162,400",
"Stockholders Equity": "1,749,600",
"Net Income": "247,900",
"Comprehensive Net Income": "248,600",
"BaseVar": "10,018,600",
"ECR before LimitedLiability": "14%",
"Economic Capital Ratio": "20%"
}
}
},
"top_rated": true,
"trend": 0.0,
"value": 0.1952610882440855,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0000885550.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0000885550.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0000885550.svg"
},
{
"company_id": "0001892492",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001892492.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001892492.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001892492_main_keyfigs.svg",
"name": "Eightco Holdings Inc",
"rank": 11,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001892492.svg",
"report_text": "The relative strengths and weaknesses of Eightco Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Eightco Holdings Inc compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 19% points.The greatest weakness of Eightco Holdings Inc is the variable Expenses, reducing the Economic Capital Ratio by 78% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.8% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001892492_2025_Eightco_Holdings_Inc.pdf",
"shrinked_graph_json": {
"2022": {
"Loans": "-0.535",
"Assets": "-2.94",
"Liabilities": "0",
"Stockholders Equity": "0",
"Other Assets": "0",
"Securities": "0",
"Notes Receivable": "-0.168",
"Deposits": "0",
"ECR before LimitedLiability": "-15.3",
"Other Liabilities": "0",
"Labor and Related Expense": "0",
"Expenses": "-7.67",
"Revenues": "0",
"Net Income": "-14.0",
"Other Expenses": "-1.98",
"Selling and Marketing Expense": "-0.0195",
"Operating Expenses": "0",
"Other Revenues": "0",
"Comprehensive Net Income": "-12.6",
"Other Net Income": "-4.02",
"Economic Capital Ratio": "-15.8"
},
"2023": {
"Securities": "0",
"Assets": "-5.27",
"Stockholders Equity": "0",
"Notes Receivable": "-1.06",
"Loans": "0",
"Other Assets": "0",
"Cash and Cash Equivalents": "0",
"Liabilities": "0",
"ECR before LimitedLiability": "-13.1",
"Deposits": "0",
"Debt": "0",
"Expenses": "-9.58",
"Net Income": "-7.72",
"Other Expenses": "-0.661",
"Operating Expenses": "0",
"Selling and Marketing Expense": "0",
"Other Revenues": "0",
"Revenues": "0",
"Other Net Income": "-4.49",
"Comprehensive Net Income": "-7.72",
"Economic Capital Ratio": "-15.0"
},
"2024": {
"Assets": "-20.9",
"Liabilities": "15.5",
"ECR before LimitedLiability": "5.38",
"Other Assets": "10.9",
"Notes Receivable": "-23.8",
"Cash and Cash Equivalents": "-2.52",
"Debt": "7.94",
"Other Liabilities": "-12.3",
"Deposits": "15.9",
"Expenses": "-77.6",
"Net Income": "2.88",
"Labor and Related Expense": "2.02",
"Other Expenses": "-38.5",
"General and Administrative Expense": "2.42",
"Operating Expenses": "-16.9",
"Selling and Marketing Expense": "-19.4",
"Other Revenues": "19.2",
"Revenues": "19.2",
"Comprehensive Net Income": "2.40",
"Other Net Income": "10.8",
"Economic Capital Ratio": "2.85"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001892492_strength_weakness.svg",
"table_records": {
"2022": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "53,020",
"Other Compr. Net Income": "0",
"Other Expenses": "30,754",
"Other Liabilities": "52,789",
"Other Net Income": "-32,112",
"Other Revenues": "31,821",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "16,401"
},
"output_variables": {
"Assets": "58,601",
"Liabilities": "52,789",
"Expenses": "47,155",
"Revenues": "31,821",
"Stockholders Equity": "5,811",
"Net Income": "-47,446",
"Comprehensive Net Income": "-47,446",
"BaseVar": "111,239",
"ECR before LimitedLiability": "-80%",
"Economic Capital Ratio": "0.0000057%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "5,248",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "18,470",
"Other Assets": "50,164",
"Other Compr. Net Income": "256",
"Other Expenses": "50,469",
"Other Liabilities": "59,759",
"Other Net Income": "-58,343",
"Other Revenues": "75,297",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "16,336"
},
"output_variables": {
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"Liabilities": "59,759",
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"Revenues": "75,297",
"Stockholders Equity": "-4,348",
"Net Income": "-68,320",
"Comprehensive Net Income": "-68,065",
"BaseVar": "167,171",
"ECR before LimitedLiability": "-122%",
"Economic Capital Ratio": "0.000000000000037%"
}
},
"2024": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "14,175",
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{
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"rank": 12,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001464343.svg",
"report_text": "The relative strengths and weaknesses of Atlanticus Holdings Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Atlanticus Holdings Corp compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 16% points.The greatest weakness of Atlanticus Holdings Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 30% points.
The company's Economic Capital Ratio, given in the ranking table, is 19%, being 2.8% points above the market average of 16%.",
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{
"company_id": "0001820953",
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"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001820953.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001820953.svg",
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"name": "Affirm Holdings Inc",
"rank": 13,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001820953.svg",
"report_text": "The relative strengths and weaknesses of Affirm Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Affirm Holdings Inc compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Affirm Holdings Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 24% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 0.67% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001820953_2025_Affirm_Holdings_Inc.pdf",
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}
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},
{
"company_id": "0001393612",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001393612.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001393612.svg",
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"name": "Discover Financial Services",
"rank": 14,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001393612.svg",
"report_text": "The relative strengths and weaknesses of Discover Financial Services are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Discover Financial Services compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of Discover Financial Services is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 0.22% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001393612_2025_Discover_Financial_Services.pdf",
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"Assets": "0.896",
"Liabilities": "-2.15",
"Stockholders Equity": "-1.01",
"Economic Capital Ratio": "-0.724",
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"Other Liabilities": "7.82",
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"Net Income": "2.17",
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"General and Administrative Expense": "1.04",
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"Operating Expenses": "2.88",
"Other Revenues": "-3.53",
"Comprehensive Net Income": "2.26",
"Other Net Income": "2.06"
},
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"Liabilities": "-0.763",
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"Other Revenues": "-1.51",
"Comprehensive Net Income": "1.69",
"Other Net Income": "3.54",
"Other Compr. Net Income": "-1.06",
"Economic Capital Ratio": "-1.22"
},
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"Stockholders Equity": "-2.39",
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"Deposits": "-2.39",
"Other Liabilities": "6.92",
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"Loans": "7.20",
"Comprehensive Net Income": "1.82",
"Other Net Income": "1.06",
"Economic Capital Ratio": "-1.50"
},
"2019": {
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"Stockholders Equity": "-1.78",
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"Revenues": "-2.29",
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"Securities": "3.20",
"Comprehensive Net Income": "1.42",
"Other Net Income": "1.29",
"Economic Capital Ratio": "-1.05"
},
"2020": {
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"Assets": "0.613",
"Liabilities": "-3.62",
"Stockholders Equity": "-2.71",
"ECR before LimitedLiability": "-3.46",
"Other Assets": "-8.89",
"Loans": "-11.4",
"Cash and Cash Equivalents": "2.76",
"Securities": "3.41",
"Other Liabilities": "5.90",
"Deposits": "-7.82",
"Debt": "-4.75",
"Expenses": "4.30",
"General and Administrative Expense": "0.494",
"Selling and Marketing Expense": "0.635",
"Operating Expenses": "1.13",
"Labor and Related Expense": "0.805",
"Other Revenues": "-3.06",
"Revenues": "-3.06",
"Economic Capital Ratio": "-3.80",
"Other Net Income": "-0.582"
},
"2021": {
"Other Liabilities": "6.99",
"Liabilities": "-1.90",
"Securities": "1.80",
"Stockholders Equity": "-1.53",
"Economic Capital Ratio": "-0.856",
"Deposits": "-5.21",
"Debt": "-3.74",
"Expenses": "2.83",
"Revenues": "-3.35",
"Net Income": "2.23",
"Other Expenses": "-0.594",
"Operating Expenses": "0.895",
"Labor and Related Expense": "0.882",
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"Other Revenues": "-3.35",
"Loans": "-10.1",
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"Notes Receivable": "16.9",
"Cash and Cash Equivalents": "1.24",
"Comprehensive Net Income": "2.26",
"Other Net Income": "3.02"
},
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"Net Income": "2.27",
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"Comprehensive Net Income": "2.81",
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"Economic Capital Ratio": "0.411"
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"Stockholders Equity": "-1.32",
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"Deposits": "-16.6",
"Expenses": "8.09",
"Revenues": "-5.10",
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"Labor and Related Expense": "1.07",
"General and Administrative Expense": "1.28",
"Operating Expenses": "3.52",
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"Comprehensive Net Income": "3.47",
"Other Net Income": "1.54",
"Economic Capital Ratio": "0.220"
}
},
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"table_records": {
"2016": {
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"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "3,455,000",
"Other Compr. Net Income": "-1,000",
"Other Expenses": "1,263,000",
"Other Liabilities": "3,550,000",
"Other Net Income": "3,656,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "1,757,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "80,985,000",
"Expenses": "1,263,000",
"Revenues": "0",
"Stockholders Equity": "11,323,000",
"Net Income": "2,393,000",
"Comprehensive Net Income": "2,392,000",
"BaseVar": "89,106,500",
"ECR before LimitedLiability": "9.3%",
"Economic Capital Ratio": "16%"
}
},
"2017": {
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"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "1,512,000",
"Loans": "81,627,000",
"Notes Receivable": "0",
"Occupancy": "99,000",
"Operating Expenses": "315,000",
"Other Assets": "3,505,000",
"Other Compr. Net Income": "-1,429,000",
"Other Expenses": "424,000",
"Other Liabilities": "89,195,000",
"Other Net Income": "5,421,000",
"Other Revenues": "1,897,000",
"Professional Fees": "655,000",
"Securities": "1,568,000",
"Selling and Marketing Expense": "776,000"
},
"output_variables": {
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"Liabilities": "89,195,000",
"Expenses": "3,781,000",
"Revenues": "1,897,000",
"Stockholders Equity": "10,892,000",
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"BaseVar": "100,905,000",
"ECR before LimitedLiability": "8.0%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
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"Debt": "27,228,000",
"Deposits": "67,759,000",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "87,471,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "3,567,000",
"Other Compr. Net Income": "25,000",
"Other Expenses": "855,000",
"Other Liabilities": "3,436,000",
"Other Net Income": "3,597,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "3,370,000",
"Selling and Marketing Expense": "0"
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"output_variables": {
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"Liabilities": "98,423,000",
"Expenses": "855,000",
"Revenues": "0",
"Stockholders Equity": "11,130,000",
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"Comprehensive Net Income": "2,767,000",
"BaseVar": "106,226,500",
"ECR before LimitedLiability": "8.0%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
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"Revenues": "0",
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}
},
"2020": {
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},
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"Economic Capital Ratio": "14%"
}
},
"2021": {
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}
},
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}
},
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"Other Expenses": "1,539,000",
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"Other Net Income": "6,074,000",
"Other Revenues": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Expenses": "1,539,000",
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"BaseVar": "142,519,000",
"ECR before LimitedLiability": "9.7%",
"Economic Capital Ratio": "17%"
}
}
},
"top_rated": true,
"trend": 15.0,
"value": 0.1655357470654858,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001393612.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001393612.svg"
},
{
"company_id": "0000038723",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0000038723.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0000038723.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0000038723_main_keyfigs.svg",
"name": "1st Franklin Financial CORP",
"rank": 15,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0000038723.svg",
"report_text": "The relative strengths and weaknesses of 1st Franklin Financial CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of 1st Franklin Financial CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 10% points.The greatest weakness of 1st Franklin Financial CORP is the variable Other Liabilities, reducing the Economic Capital Ratio by 34% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.018% points above the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0000038723_2025_1st_Franklin_Financial_CORP.pdf",
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}
},
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001783398.svg",
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"name": "UWM Holdings Corp",
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"report_text": "The relative strengths and weaknesses of UWM Holdings Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of UWM Holdings Corp compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 15% points.The greatest weakness of UWM Holdings Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 39% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.078% points below the market average of 16%.",
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"Other Net Income": "-4.67",
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{
"company_id": "0001544190",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001544190.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001544190.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001544190.svg",
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"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001544190_main_keyfigs.svg",
"name": "Shepherd s Finance LLC",
"rank": 17,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001544190.svg",
"report_text": "The relative strengths and weaknesses of Shepherd s Finance LLC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Shepherd s Finance LLC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Shepherd s Finance LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 35% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.082% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001544190_2025_Shepherd_s_Finance_LLC.pdf",
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"Comprehensive Net Income": "0.560",
"Other Net Income": "-1.39",
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"ECR before LimitedLiability": "-7.83",
"Comprehensive Net Income": "-3.85",
"General and Administrative Expense": "0.616",
"Selling and Marketing Expense": "-2.73",
"Operating Expenses": "1.21",
"Labor and Related Expense": "1.01",
"Economic Capital Ratio": "-8.16"
},
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"Liabilities": "-2.05",
"Stockholders Equity": "-1.95",
"Loans": "11.8",
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"Deposits": "10.3",
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"Operating Expenses": "1.01",
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"General and Administrative Expense": "0.657",
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"Other Assets": "-7.58",
"Notes Receivable": "-5.51",
"Comprehensive Net Income": "-0.370",
"Other Net Income": "2.09",
"Economic Capital Ratio": "-3.77"
},
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"Liabilities": "-1.36",
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"Stockholders Equity": "-1.24",
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"Other Liabilities": "-42.9",
"Interest Payable": "-1.80",
"Debt": "3.98",
"Labor and Related Expense": "1.08",
"Expenses": "1.15",
"Revenues": "-3.01",
"Net Income": "1.74",
"General and Administrative Expense": "0.632",
"Selling and Marketing Expense": "-2.35",
"Operating Expenses": "1.30",
"Other Revenues": "-3.01",
"Other Assets": "-7.67",
"Notes Receivable": "-7.60",
"Comprehensive Net Income": "2.43",
"Other Net Income": "4.04",
"Other Compr. Net Income": "0.646",
"Economic Capital Ratio": "0.407"
},
"2023": {
"Other Liabilities": "-39.2",
"Liabilities": "-1.86",
"Stockholders Equity": "-1.22",
"Notes Receivable": "-13.1",
"ECR before LimitedLiability": "3.45",
"Interest Payable": "-2.36",
"Deposits": "10.5",
"Debt": "4.07",
"Expenses": "3.48",
"Revenues": "-4.45",
"Net Income": "4.09",
"Labor and Related Expense": "1.06",
"Operating Expenses": "3.02",
"Selling and Marketing Expense": "-2.01",
"General and Administrative Expense": "1.25",
"Other Revenues": "-4.45",
"Loans": "-1.81",
"Other Assets": "15.1",
"Other Net Income": "5.89",
"Comprehensive Net Income": "3.95",
"Economic Capital Ratio": "1.55"
},
"2024": {
"Debt": "4.52",
"Liabilities": "-0.901",
"Stockholders Equity": "-1.30",
"Other Assets": "14.8",
"ECR before LimitedLiability": "2.45",
"Other Liabilities": "-34.7",
"Interest Payable": "-1.89",
"Deposits": "9.92",
"Expenses": "1.33",
"Revenues": "-5.56",
"Net Income": "3.12",
"Labor and Related Expense": "1.18",
"Other Expenses": "-3.14",
"General and Administrative Expense": "1.41",
"Operating Expenses": "3.92",
"Selling and Marketing Expense": "-1.92",
"Other Revenues": "-5.56",
"Notes Receivable": "-14.0",
"Loans": "-1.04",
"Comprehensive Net Income": "3.17",
"Other Net Income": "7.82",
"Economic Capital Ratio": "-0.0822"
}
},
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "23,320",
"Other Compr. Net Income": "0",
"Other Expenses": "111",
"Other Liabilities": "21,487",
"Other Net Income": "0",
"Other Revenues": "1,948",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "1,319"
},
"output_variables": {
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"Liabilities": "21,487",
"Expenses": "1,430",
"Revenues": "1,948",
"Stockholders Equity": "3,399",
"Net Income": "518",
"Comprehensive Net Income": "518",
"BaseVar": "24,876",
"ECR before LimitedLiability": "9.6%",
"Economic Capital Ratio": "16%"
}
},
"2017": {
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"Debt": "0",
"Deposits": "0",
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"General and Administrative Expense": "0",
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"Other Compr. Net Income": "0",
"Other Expenses": "266",
"Other Liabilities": "31,572",
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"Securities": "0",
"Selling and Marketing Expense": "2,090"
},
"output_variables": {
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"Expenses": "2,356",
"Revenues": "3,138",
"Stockholders Equity": "4,783",
"Net Income": "782",
"Comprehensive Net Income": "782",
"BaseVar": "36,710",
"ECR before LimitedLiability": "9.3%",
"Economic Capital Ratio": "16%"
}
},
"2018": {
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"Debt": "0",
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"Loans": "0",
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"Other Assets": "54,409",
"Other Compr. Net Income": "0",
"Other Expenses": "700",
"Other Liabilities": "49,728",
"Other Net Income": "0",
"Other Revenues": "3,398",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "2,030"
},
"output_variables": {
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"Liabilities": "49,728",
"Expenses": "2,730",
"Revenues": "3,398",
"Stockholders Equity": "6,082",
"Net Income": "668",
"Comprehensive Net Income": "668",
"BaseVar": "55,833",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "2,533",
"Labor and Related Expense": "0",
"Loans": "55,369",
"Notes Receivable": "0",
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"Operating Expenses": "0",
"Other Assets": "7,085",
"Other Compr. Net Income": "0",
"Other Expenses": "924",
"Other Liabilities": "54,657",
"Other Net Income": "0",
"Other Revenues": "4,332",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "2,394"
},
"output_variables": {
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"Liabilities": "57,190",
"Expenses": "3,318",
"Revenues": "4,332",
"Stockholders Equity": "7,147",
"Net Income": "1,014",
"Comprehensive Net Income": "1,014",
"BaseVar": "64,588",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
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"Debt": "0",
"Deposits": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "3,158",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
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"Operating Expenses": "0",
"Other Assets": "8,115",
"Other Compr. Net Income": "0",
"Other Expenses": "686",
"Other Liabilities": "50,852",
"Other Net Income": "942",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "2,185"
},
"output_variables": {
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"Liabilities": "54,010",
"Expenses": "2,871",
"Revenues": "0",
"Stockholders Equity": "5,259",
"Net Income": "-1,929",
"Comprehensive Net Income": "-1,929",
"BaseVar": "58,546",
"ECR before LimitedLiability": "1.2%",
"Economic Capital Ratio": "9.7%"
}
},
"2021": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "2,464",
"Labor and Related Expense": "0",
"Loans": "46,943",
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"Operating Expenses": "0",
"Other Assets": "6,937",
"Other Compr. Net Income": "0",
"Other Expenses": "202",
"Other Liabilities": "48,547",
"Other Net Income": "2,840",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "1,873"
},
"output_variables": {
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"Revenues": "0",
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"Comprehensive Net Income": "765",
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"ECR before LimitedLiability": "7.5%",
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}
},
"2022": {
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},
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}
},
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"Other Net Income": "5,391",
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},
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"BaseVar": "65,552",
"ECR before LimitedLiability": "9.7%",
"Economic Capital Ratio": "17%"
}
},
"2024": {
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"Debt": "0",
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"Other Expenses": "3,673",
"Other Liabilities": "57,510",
"Other Net Income": "8,471",
"Other Revenues": "0",
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"Selling and Marketing Expense": "3,061"
},
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"BaseVar": "72,679",
"ECR before LimitedLiability": "9.3%",
"Economic Capital Ratio": "16%"
}
}
},
"top_rated": false,
"trend": 1.0,
"value": 0.16251748588410542,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001544190.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001544190.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001544190.svg"
},
{
"company_id": "0001569994",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001569994.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001569994.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001569994.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001569994_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001569994_main_keyfigs.svg",
"name": "Waterstone Financial Inc",
"rank": 18,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001569994.svg",
"report_text": "The relative strengths and weaknesses of Waterstone Financial Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Waterstone Financial Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.8% points.The greatest weakness of Waterstone Financial Inc is the variable Deposits, reducing the Economic Capital Ratio by 11% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.14% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001569994_2025_Waterstone_Financial_Inc.pdf",
"shrinked_graph_json": {
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"Assets": "3.06",
"Stockholders Equity": "3.42",
"ECR before LimitedLiability": "4.07",
"Notes Receivable": "-1.12",
"Loans": "6.89",
"Expenses": "3.88",
"Net Income": "1.17",
"Selling and Marketing Expense": "0.846",
"General and Administrative Expense": "0.936",
"Labor and Related Expense": "0.502",
"Other Expenses": "-1.41",
"Operating Expenses": "2.52",
"Other Revenues": "-3.44",
"Revenues": "-3.44",
"Deposits": "-1.83",
"Debt": "-6.68",
"Other Liabilities": "7.68",
"Comprehensive Net Income": "1.20",
"Other Net Income": "0.805",
"Economic Capital Ratio": "2.80"
},
"2017": {
"Notes Receivable": "-1.06",
"Assets": "2.44",
"Debt": "-7.16",
"Stockholders Equity": "3.15",
"ECR before LimitedLiability": "3.96",
"Securities": "-0.451",
"Cash and Cash Equivalents": "-1.26",
"Other Assets": "-1.41",
"Loans": "8.33",
"Expenses": "2.65",
"Revenues": "-2.60",
"Net Income": "1.03",
"Other Expenses": "-0.718",
"Operating Expenses": "1.70",
"Labor and Related Expense": "0.498",
"Other Revenues": "-2.60",
"Other Liabilities": "8.02",
"Deposits": "-1.33",
"Comprehensive Net Income": "1.05",
"Other Net Income": "1.01",
"Economic Capital Ratio": "3.25"
},
"2018": {
"Other Assets": "-1.18",
"Assets": "2.02",
"Other Liabilities": "7.62",
"Stockholders Equity": "2.00",
"ECR before LimitedLiability": "2.46",
"Notes Receivable": "-0.943",
"Securities": "-0.376",
"Cash and Cash Equivalents": "-1.01",
"Loans": "6.74",
"Expenses": "2.93",
"Revenues": "-2.11",
"Net Income": "0.920",
"Labor and Related Expense": "0.444",
"Other Expenses": "0.442",
"Selling and Marketing Expense": "0.456",
"Operating Expenses": "1.06",
"Other Revenues": "-2.11",
"Deposits": "-0.686",
"Debt": "-8.11",
"Comprehensive Net Income": "0.931",
"Economic Capital Ratio": "2.19"
},
"2019": {
"Assets": "1.93",
"Stockholders Equity": "2.01",
"Other Liabilities": "7.53",
"ECR before LimitedLiability": "2.49",
"Cash and Cash Equivalents": "-1.11",
"Notes Receivable": "-1.78",
"Loans": "6.53",
"Securities": "-0.373",
"General and Administrative Expense": "0.315",
"Expenses": "2.47",
"Revenues": "-2.14",
"Net Income": "0.804",
"Operating Expenses": "0.527",
"Selling and Marketing Expense": "0.599",
"Labor and Related Expense": "0.498",
"Other Revenues": "-2.14",
"Debt": "-7.20",
"Deposits": "-1.11",
"Comprehensive Net Income": "0.850",
"Other Net Income": "0.545",
"Economic Capital Ratio": "2.30"
},
"2020": {
"Notes Receivable": "-4.17",
"Assets": "1.26",
"Liabilities": "-0.536",
"Stockholders Equity": "0.976",
"ECR before LimitedLiability": "2.39",
"Other Assets": "0.650",
"Loans": "8.99",
"Cash and Cash Equivalents": "-1.63",
"Other Liabilities": "8.47",
"Deposits": "-2.44",
"Debt": "-7.72",
"Expenses": "2.69",
"Revenues": "-2.84",
"Net Income": "2.04",
"Selling and Marketing Expense": "0.539",
"Operating Expenses": "0.954",
"Labor and Related Expense": "0.682",
"Other Revenues": "-2.84",
"Comprehensive Net Income": "2.12",
"Other Net Income": "2.21",
"Economic Capital Ratio": "2.05"
},
"2021": {
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"Liabilities": "-0.672",
"Stockholders Equity": "1.44",
"ECR before LimitedLiability": "1.30",
"Loans": "7.24",
"Other Assets": "3.67",
"Notes Receivable": "-4.95",
"Cash and Cash Equivalents": "-1.88",
"Other Liabilities": "7.39",
"Deposits": "-2.17",
"Debt": "-6.71",
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"Net Income": "0.982",
"Operating Expenses": "0.853",
"Labor and Related Expense": "0.841",
"General and Administrative Expense": "0.560",
"Other Revenues": "-3.32",
"Comprehensive Net Income": "0.987",
"Other Net Income": "1.37",
"Economic Capital Ratio": "0.866"
},
"2022": {
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"Assets": "2.85",
"Liabilities": "-1.43",
"Stockholders Equity": "1.63",
"ECR before LimitedLiability": "1.51",
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"Cash and Cash Equivalents": "-1.13",
"Notes Receivable": "14.2",
"Deposits": "-5.22",
"Other Liabilities": "8.38",
"Debt": "-4.50",
"Labor and Related Expense": "1.01",
"Expenses": "4.17",
"Revenues": "-2.84",
"Net Income": "0.398",
"General and Administrative Expense": "0.589",
"Selling and Marketing Expense": "0.627",
"Operating Expenses": "1.21",
"Other Revenues": "-2.84",
"Other Net Income": "-0.486",
"Economic Capital Ratio": "1.04"
},
"2023": {
"Assets": "3.90",
"Liabilities": "-2.80",
"Stockholders Equity": "1.16",
"ECR before LimitedLiability": "2.93",
"Notes Receivable": "8.85",
"Loans": "-1.74",
"Other Assets": "-3.09",
"Cash and Cash Equivalents": "-1.59",
"Other Liabilities": "7.72",
"Deposits": "-4.30",
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"Expenses": "7.17",
"Revenues": "-4.23",
"Net Income": "1.13",
"Labor and Related Expense": "1.02",
"Operating Expenses": "2.90",
"Selling and Marketing Expense": "0.990",
"General and Administrative Expense": "1.20",
"Other Revenues": "-4.23",
"Comprehensive Net Income": "1.07",
"Economic Capital Ratio": "1.03"
},
"2024": {
"Assets": "4.07",
"Liabilities": "-3.70",
"Stockholders Equity": "0.493",
"ECR before LimitedLiability": "2.40",
"Other Assets": "-3.46",
"Notes Receivable": "8.84",
"Loans": "-0.940",
"Cash and Cash Equivalents": "-1.47",
"Debt": "-4.63",
"Other Liabilities": "7.99",
"Deposits": "-10.5",
"Expenses": "7.78",
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"Labor and Related Expense": "1.06",
"General and Administrative Expense": "1.27",
"Operating Expenses": "3.51",
"Selling and Marketing Expense": "1.27",
"Other Revenues": "-5.03",
"Comprehensive Net Income": "1.63",
"Other Net Income": "-0.730",
"Economic Capital Ratio": "-0.137"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001569994_strength_weakness.svg",
"table_records": {
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"Debt": "387,155",
"Deposits": "949,411",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "628,764",
"Other Compr. Net Income": "-960",
"Other Expenses": "16,462",
"Other Liabilities": "43,363",
"Other Net Income": "41,994",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,379,929",
"Expenses": "16,462",
"Revenues": "0",
"Stockholders Equity": "410,690",
"Net Income": "25,532",
"Comprehensive Net Income": "24,572",
"BaseVar": "1,614,982",
"ECR before LimitedLiability": "15%",
"Economic Capital Ratio": "20%"
}
},
"2017": {
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"Debt": "386,285",
"Deposits": "967,380",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,277,737",
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"Operating Expenses": "0",
"Other Assets": "528,664",
"Other Compr. Net Income": "-99",
"Other Expenses": "18,469",
"Other Liabilities": "40,632",
"Other Net Income": "44,433",
"Other Revenues": "0",
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},
"output_variables": {
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"Expenses": "18,469",
"Revenues": "0",
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"BaseVar": "1,631,850",
"ECR before LimitedLiability": "14%",
"Economic Capital Ratio": "20%"
}
},
"2018": {
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"Interest Expense": "0",
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"Labor and Related Expense": "0",
"Loans": "1,365,899",
"Notes Receivable": "0",
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"Other Assets": "549,482",
"Other Compr. Net Income": "-1,884",
"Other Expenses": "9,526",
"Other Liabilities": "42,161",
"Other Net Income": "40,280",
"Other Revenues": "0",
"Professional Fees": "0",
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},
"output_variables": {
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"Liabilities": "1,515,702",
"Expenses": "9,526",
"Revenues": "0",
"Stockholders Equity": "399,679",
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"BaseVar": "1,741,386",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "19%"
}
},
"2019": {
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"Interest Expense": "0",
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"Notes Receivable": "0",
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"Operating Expenses": "0",
"Other Assets": "620,703",
"Other Compr. Net Income": "3,003",
"Other Expenses": "11,671",
"Other Liabilities": "51,323",
"Other Net Income": "47,574",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,602,661",
"Expenses": "11,671",
"Revenues": "0",
"Stockholders Equity": "393,686",
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"BaseVar": "1,830,628",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "19%"
}
},
"2020": {
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"Other Net Income": "108,116",
"Other Revenues": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,771,469",
"Expenses": "26,971",
"Revenues": "0",
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"BaseVar": "2,046,414",
"ECR before LimitedLiability": "15%",
"Economic Capital Ratio": "20%"
}
},
"2021": {
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"Labor and Related Expense": "0",
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"Other Compr. Net Income": "-3,461",
"Other Expenses": "21,315",
"Other Liabilities": "72,572",
"Other Net Income": "92,106",
"Other Revenues": "0",
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},
"output_variables": {
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"Economic Capital Ratio": "20%"
}
},
"2022": {
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}
},
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"Other Assets": "567,723",
"Other Compr. Net Income": "1,684",
"Other Expenses": "1,657",
"Other Liabilities": "67,655",
"Other Net Income": "11,032",
"Other Revenues": "0",
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},
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"BaseVar": "2,048,548",
"ECR before LimitedLiability": "9.0%",
"Economic Capital Ratio": "16%"
}
},
"2024": {
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"Debt": "446,519",
"Deposits": "1,359,897",
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"Interest Expense": "0",
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"Other Net Income": "24,002",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
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"Liabilities": "1,870,473",
"Expenses": "5,314",
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"BaseVar": "2,055,196",
"ECR before LimitedLiability": "9.2%",
"Economic Capital Ratio": "16%"
}
}
},
"top_rated": false,
"trend": 2.0,
"value": 0.16197046310331636,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001569994.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001569994.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001569994.svg"
},
{
"company_id": "0001584207",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001584207.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001584207.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001584207.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001584207_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001584207_main_keyfigs.svg",
"name": "Onemain Holdings Inc",
"rank": 19,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001584207.svg",
"report_text": "The relative strengths and weaknesses of Onemain Holdings Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Onemain Holdings Inc compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 9.2% points.The greatest weakness of Onemain Holdings Inc is the variable Debt, reducing the Economic Capital Ratio by 62% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.50% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001584207_2025_Onemain_Holdings_Inc.pdf",
"shrinked_graph_json": {
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"Assets": "2.26",
"Liabilities": "-1.56",
"Stockholders Equity": "0.962",
"ECR before LimitedLiability": "1.53",
"Securities": "3.13",
"Other Assets": "-6.13",
"Notes Receivable": "-1.20",
"Loans": "8.80",
"Deposits": "11.5",
"Other Liabilities": "6.56",
"Debt": "-60.4",
"Expenses": "4.53",
"Revenues": "-3.42",
"Net Income": "1.14",
"Selling and Marketing Expense": "0.891",
"General and Administrative Expense": "0.987",
"Other Expenses": "-1.21",
"Operating Expenses": "2.71",
"Other Revenues": "-3.42",
"Comprehensive Net Income": "1.21",
"Economic Capital Ratio": "0.258"
},
"2017": {
"Notes Receivable": "-1.15",
"Assets": "1.48",
"Liabilities": "-0.956",
"Stockholders Equity": "0.713",
"ECR before LimitedLiability": "1.17",
"Securities": "2.70",
"Cash and Cash Equivalents": "1.22",
"Other Assets": "-6.34",
"Loans": "8.36",
"Other Liabilities": "7.11",
"Debt": "-62.4",
"Deposits": "11.6",
"Expenses": "2.71",
"Revenues": "-2.64",
"Net Income": "0.675",
"Other Expenses": "-0.910",
"Operating Expenses": "1.84",
"Labor and Related Expense": "0.529",
"Other Revenues": "-2.64",
"Comprehensive Net Income": "0.770",
"Other Net Income": "0.828",
"Economic Capital Ratio": "0.464"
},
"2018": {
"Other Assets": "-6.08",
"Assets": "1.40",
"Liabilities": "-0.465",
"Stockholders Equity": "1.14",
"ECR before LimitedLiability": "2.00",
"Notes Receivable": "-0.963",
"Securities": "2.50",
"Cash and Cash Equivalents": "0.847",
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"Debt": "-64.2",
"Expenses": "2.69",
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"Net Income": "1.38",
"Selling and Marketing Expense": "0.463",
"Operating Expenses": "1.08",
"Other Revenues": "-2.13",
"Comprehensive Net Income": "1.29",
"Other Net Income": "0.919",
"Economic Capital Ratio": "1.73"
},
"2019": {
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"Assets": "1.19",
"Stockholders Equity": "1.58",
"Other Liabilities": "6.15",
"ECR before LimitedLiability": "3.74",
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"Notes Receivable": "-1.77",
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"Revenues": "-2.19",
"Net Income": "2.21",
"Operating Expenses": "0.530",
"Selling and Marketing Expense": "0.601",
"Labor and Related Expense": "0.500",
"Other Revenues": "-2.19",
"Debt": "-61.5",
"Deposits": "13.5",
"Comprehensive Net Income": "2.40",
"Other Net Income": "2.30",
"Economic Capital Ratio": "3.55"
},
"2020": {
"Notes Receivable": "15.5",
"Assets": "0.790",
"Liabilities": "-1.48",
"ECR before LimitedLiability": "0.683",
"Other Assets": "-6.84",
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"Cash and Cash Equivalents": "2.27",
"Securities": "2.64",
"Other Liabilities": "8.01",
"Deposits": "11.9",
"Debt": "-65.0",
"Expenses": "2.93",
"Net Income": "1.72",
"General and Administrative Expense": "0.429",
"Selling and Marketing Expense": "0.551",
"Operating Expenses": "0.979",
"Labor and Related Expense": "0.698",
"Other Revenues": "-2.82",
"Revenues": "-2.82",
"Comprehensive Net Income": "1.91",
"Other Net Income": "1.77",
"Economic Capital Ratio": "0.344"
},
"2021": {
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"Liabilities": "-1.14",
"Stockholders Equity": "-0.872",
"ECR before LimitedLiability": "1.03",
"Deposits": "13.0",
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"Expenses": "2.38",
"Net Income": "2.92",
"Other Expenses": "-0.919",
"Operating Expenses": "0.876",
"Labor and Related Expense": "0.864",
"Other Revenues": "-3.39",
"Revenues": "-3.39",
"Securities": "2.66",
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"Notes Receivable": "16.9",
"Cash and Cash Equivalents": "-0.582",
"Comprehensive Net Income": "2.93",
"Other Net Income": "4.06",
"Economic Capital Ratio": "0.590"
},
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"Liabilities": "-1.66",
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"Other Assets": "-6.38",
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"Deposits": "11.2",
"Other Liabilities": "8.16",
"Debt": "-63.0",
"Labor and Related Expense": "1.02",
"Expenses": "3.35",
"Net Income": "2.67",
"Other Expenses": "-0.642",
"Selling and Marketing Expense": "0.636",
"Operating Expenses": "1.23",
"Other Revenues": "-2.90",
"Revenues": "-2.90",
"Comprehensive Net Income": "2.68",
"Other Net Income": "2.50",
"Economic Capital Ratio": "1.34"
},
"2023": {
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"Assets": "2.39",
"Liabilities": "-2.67",
"ECR before LimitedLiability": "3.67",
"Notes Receivable": "9.00",
"Loans": "-1.72",
"Other Assets": "-6.98",
"Other Liabilities": "8.34",
"Deposits": "10.4",
"Debt": "-62.8",
"Expenses": "6.32",
"Net Income": "2.90",
"Labor and Related Expense": "1.01",
"Operating Expenses": "2.86",
"Selling and Marketing Expense": "0.980",
"General and Administrative Expense": "1.19",
"Other Revenues": "-4.26",
"Revenues": "-4.26",
"Other Net Income": "1.71",
"Comprehensive Net Income": "2.91",
"Economic Capital Ratio": "1.77"
},
"2024": {
"Securities": "1.92",
"Assets": "3.02",
"Liabilities": "-4.09",
"Stockholders Equity": "-0.812",
"ECR before LimitedLiability": "2.04",
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"Notes Receivable": "8.75",
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"Debt": "-62.4",
"Other Liabilities": "7.59",
"Deposits": "9.17",
"Expenses": "7.43",
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"Labor and Related Expense": "1.09",
"General and Administrative Expense": "1.31",
"Operating Expenses": "3.61",
"Selling and Marketing Expense": "1.30",
"Other Revenues": "-5.10",
"Comprehensive Net Income": "2.67",
"Economic Capital Ratio": "-0.496"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001584207_strength_weakness.svg",
"table_records": {
"2016": {
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"Debt": "13,959,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "12,457,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,755,000",
"Other Compr. Net Income": "-1,000",
"Other Expenses": "113,000",
"Other Liabilities": "1,098,000",
"Other Net Income": "356,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "1,764,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "15,057,000",
"Expenses": "113,000",
"Revenues": "0",
"Stockholders Equity": "3,066,000",
"Net Income": "243,000",
"Comprehensive Net Income": "242,000",
"BaseVar": "16,825,000",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "17%"
}
},
"2017": {
"input_variables": {
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"Deposits": "0",
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"Other Net Income": "431,000",
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"Securities": "1,697,000",
"Selling and Marketing Expense": "0"
},
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"Expenses": "248,000",
"Revenues": "0",
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"BaseVar": "18,142,000",
"ECR before LimitedLiability": "10%",
"Economic Capital Ratio": "17%"
}
},
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"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Other Expenses": "177,000",
"Other Liabilities": "1,113,000",
"Other Net Income": "624,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "1,694,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Expenses": "177,000",
"Revenues": "0",
"Stockholders Equity": "3,799,000",
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"Comprehensive Net Income": "400,000",
"BaseVar": "18,614,500",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "19%"
}
},
"2019": {
"input_variables": {
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"Deposits": "0",
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"Other Net Income": "1,098,000",
"Other Revenues": "0",
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"Securities": "1,884,000",
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},
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"Liabilities": "18,487,000",
"Expenses": "243,000",
"Revenues": "0",
"Stockholders Equity": "4,330,000",
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"Comprehensive Net Income": "933,000",
"BaseVar": "21,361,500",
"ECR before LimitedLiability": "15%",
"Economic Capital Ratio": "20%"
}
},
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Labor and Related Expense": "0",
"Loans": "0",
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"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,782,000",
"Other Compr. Net Income": "50,000",
"Other Expenses": "247,000",
"Other Liabilities": "1,230,000",
"Other Net Income": "977,000",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
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"Liabilities": "19,030,000",
"Expenses": "247,000",
"Revenues": "0",
"Stockholders Equity": "3,441,000",
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"Comprehensive Net Income": "780,000",
"BaseVar": "21,387,500",
"ECR before LimitedLiability": "12%",
"Economic Capital Ratio": "18%"
}
},
"2021": {
"input_variables": {
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"Debt": "17,750,000",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "16,356,000",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,714,000",
"Other Compr. Net Income": "-33,000",
"Other Expenses": "427,000",
"Other Liabilities": "1,236,000",
"Other Net Income": "1,741,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "1,992,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "22,079,000",
"Liabilities": "18,986,000",
"Expenses": "427,000",
"Revenues": "0",
"Stockholders Equity": "3,093,000",
"Net Income": "1,314,000",
"Comprehensive Net Income": "1,281,000",
"BaseVar": "21,633,000",
"ECR before LimitedLiability": "14%",
"Economic Capital Ratio": "19%"
}
},
"2022": {
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "16,926,000",
"Occupancy": "0",
"Operating Expenses": "0",
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"Other Compr. Net Income": "-180,000",
"Other Expenses": "285,000",
"Other Liabilities": "1,223,000",
"Other Net Income": "1,163,000",
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"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
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"Liabilities": "19,504,000",
"Expenses": "285,000",
"Revenues": "0",
"Stockholders Equity": "3,029,000",
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"Comprehensive Net Income": "698,000",
"BaseVar": "21,832,500",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "17%"
}
},
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"Deposits": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "18,098,000",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,929,000",
"Other Compr. Net Income": "40,000",
"Other Expenses": "199,000",
"Other Liabilities": "1,295,000",
"Other Net Income": "840,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "1,719,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "21,108,000",
"Expenses": "199,000",
"Revenues": "0",
"Stockholders Equity": "3,186,000",
"Net Income": "641,000",
"Comprehensive Net Income": "681,000",
"BaseVar": "23,240,500",
"ECR before LimitedLiability": "10%",
"Economic Capital Ratio": "17%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "1,142,000",
"Debt": "21,438,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "20,083,000",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "3,078,000",
"Other Compr. Net Income": "6,000",
"Other Expenses": "158,000",
"Other Liabilities": "1,281,000",
"Other Net Income": "667,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "1,607,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "22,719,000",
"Expenses": "158,000",
"Revenues": "0",
"Stockholders Equity": "3,191,000",
"Net Income": "509,000",
"Comprehensive Net Income": "515,000",
"BaseVar": "24,730,000",
"ECR before LimitedLiability": "8.7%",
"Economic Capital Ratio": "16%"
}
}
},
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"trend": -2.0,
"value": 0.15838198082695307,
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},
{
"company_id": "0001778784",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001778784.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001778784.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001778784.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001778784_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001778784_main_keyfigs.svg",
"name": "Provident Bancorp Inc MD",
"rank": 20,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001778784.svg",
"report_text": "The relative strengths and weaknesses of Provident Bancorp Inc MD are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Provident Bancorp Inc MD compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Provident Bancorp Inc MD is the variable Deposits, reducing the Economic Capital Ratio by 26% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.77% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001778784_2025_Provident_Bancorp_Inc_MD.pdf",
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"Assets": "1.55",
"Liabilities": "0.636",
"Stockholders Equity": "2.33",
"ECR before LimitedLiability": "1.95",
"Cash and Cash Equivalents": "-1.15",
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"Loans": "10.8",
"Securities": "-0.386",
"Deposits": "-12.7",
"Debt": "2.84",
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"General and Administrative Expense": "0.323",
"Expenses": "0.834",
"Operating Expenses": "0.542",
"Selling and Marketing Expense": "0.590",
"Labor and Related Expense": "-0.700",
"Other Revenues": "-2.14",
"Revenues": "-2.14",
"Economic Capital Ratio": "1.76",
"Other Net Income": "1.32"
},
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"Assets": "1.76",
"Liabilities": "-2.17",
"Expenses": "3.78",
"Revenues": "-2.83",
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"Loans": "13.6",
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"Securities": "-0.318",
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"Operating Expenses": "1.02",
"Labor and Related Expense": "0.725",
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"Economic Capital Ratio": "-1.48",
"Other Net Income": "-0.624"
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"Liabilities": "-2.77",
"Stockholders Equity": "-0.886",
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"Other Liabilities": "7.13",
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"Net Income": "-0.734",
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"Labor and Related Expense": "0.933",
"General and Administrative Expense": "0.618",
"Other Revenues": "-3.39",
"Comprehensive Net Income": "-0.626",
"Other Net Income": "-0.808",
"Economic Capital Ratio": "-3.23"
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"Deposits": "-18.6",
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"Expenses": "6.78",
"Revenues": "-4.32",
"Net Income": "1.36",
"Labor and Related Expense": "1.06",
"Other Expenses": "-0.298",
"Operating Expenses": "3.03",
"Selling and Marketing Expense": "1.03",
"General and Administrative Expense": "1.25",
"Other Revenues": "-4.32",
"Comprehensive Net Income": "1.27",
"Economic Capital Ratio": "0.218"
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"Assets": "4.18",
"Liabilities": "-4.03",
"ECR before LimitedLiability": "1.76",
"Other Assets": "-5.43",
"Notes Receivable": "10.0",
"Loans": "-0.967",
"Cash and Cash Equivalents": "-1.51",
"Debt": "2.85",
"Other Liabilities": "7.65",
"Deposits": "-25.9",
"Expenses": "7.22",
"Net Income": "1.34",
"Labor and Related Expense": "1.09",
"General and Administrative Expense": "1.31",
"Operating Expenses": "3.61",
"Selling and Marketing Expense": "1.30",
"Other Revenues": "-5.06",
"Revenues": "-5.06",
"Comprehensive Net Income": "1.38",
"Other Net Income": "-1.12",
"Economic Capital Ratio": "-0.770"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001778784_strength_weakness.svg",
"table_records": {
"2019": {
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"Debt": "24,998",
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"Interest Expense": "0",
"Interest Payable": "0",
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"Occupancy": "1,968",
"Operating Expenses": "0",
"Other Assets": "162,502",
"Other Compr. Net Income": "713",
"Other Expenses": "9,561",
"Other Liabilities": "15,952",
"Other Net Income": "38,241",
"Other Revenues": "699",
"Professional Fees": "1,210",
"Securities": "0",
"Selling and Marketing Expense": "385"
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"Liabilities": "890,855",
"Expenses": "31,367",
"Revenues": "699",
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"Comprehensive Net Income": "8,286",
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"ECR before LimitedLiability": "12%",
"Economic Capital Ratio": "18%"
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},
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"Interest Expense": "0",
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"Labor and Related Expense": "0",
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"Operating Expenses": "0",
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"Other Expenses": "4,625",
"Other Liabilities": "18,997",
"Other Net Income": "16,610",
"Other Revenues": "0",
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},
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"BaseVar": "1,398,770",
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"Operating Expenses": "0",
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"Other Expenses": "5,954",
"Other Liabilities": "22,106",
"Other Net Income": "22,093",
"Other Revenues": "0",
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},
"output_variables": {
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"Liabilities": "1,495,501",
"Expenses": "5,954",
"Revenues": "0",
"Stockholders Equity": "233,782",
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"Comprehensive Net Income": "15,730",
"BaseVar": "1,626,620",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "16%"
}
},
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"Debt": "104,697",
"Deposits": "1,331,222",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,321,158",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "349,151",
"Other Compr. Net Income": "704",
"Other Expenses": "3,823",
"Other Liabilities": "12,488",
"Other Net Income": "14,777",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,448,407",
"Expenses": "3,823",
"Revenues": "0",
"Stockholders Equity": "221,902",
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"Comprehensive Net Income": "11,658",
"BaseVar": "1,569,010",
"ECR before LimitedLiability": "7.9%",
"Economic Capital Ratio": "15%"
}
},
"2024": {
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"Debt": "44,563",
"Deposits": "1,308,960",
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"Interest Expense": "0",
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"Other Compr. Net Income": "-129",
"Other Expenses": "2,110",
"Other Liabilities": "8,560",
"Other Net Income": "9,381",
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},
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"ECR before LimitedLiability": "8.3%",
"Economic Capital Ratio": "16%"
}
}
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"value": 0.15563677959641223,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001778784.svg",
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},
{
"company_id": "0001409970",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001409970.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001409970.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001409970.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001409970_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001409970_main_keyfigs.svg",
"name": "Lendingclub Corp",
"rank": 21,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001409970.svg",
"report_text": "The relative strengths and weaknesses of Lendingclub Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Lendingclub Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.5% points.The greatest weakness of Lendingclub Corp is the variable Deposits, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.0% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001409970_2025_Lendingclub_Corp.pdf",
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"Liabilities": "2.00",
"ECR before LimitedLiability": "-1.33",
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"Notes Receivable": "-1.51",
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"General and Administrative Expense": "-1.87",
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"Revenues": "3.53",
"Comprehensive Net Income": "-1.90",
"Other Net Income": "-1.17",
"Economic Capital Ratio": "-2.60"
},
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"Assets": "-2.42",
"Liabilities": "4.78",
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"Economic Capital Ratio": "-1.62",
"Cash and Cash Equivalents": "4.12",
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"Loans": "-16.1",
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"Debt": "3.63",
"Deposits": "11.1",
"Expenses": "-7.93",
"Revenues": "6.53",
"Net Income": "-2.68",
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"Operating Expenses": "-9.94",
"General and Administrative Expense": "-2.77",
"Other Revenues": "6.53",
"Comprehensive Net Income": "-2.64",
"Other Net Income": "-1.04"
},
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"Liabilities": "7.67",
"Stockholders Equity": "1.78",
"Economic Capital Ratio": "-0.718",
"Notes Receivable": "-1.26",
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"Debt": "3.21",
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"Selling and Marketing Expense": "-4.79",
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"General and Administrative Expense": "-4.33",
"Other Revenues": "8.68",
"Comprehensive Net Income": "-2.83",
"Other Net Income": "-1.72"
},
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"Assets": "-4.38",
"Liabilities": "12.0",
"Stockholders Equity": "5.09",
"ECR before LimitedLiability": "4.75",
"Cash and Cash Equivalents": "4.24",
"Notes Receivable": "-2.22",
"Loans": "-18.3",
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"Debt": "4.64",
"Other Liabilities": "-37.6",
"General and Administrative Expense": "-6.23",
"Expenses": "-21.2",
"Revenues": "14.1",
"Comprehensive Net Income": "-1.60",
"Other Expenses": "13.1",
"Operating Expenses": "-25.6",
"Selling and Marketing Expense": "-7.07",
"Other Revenues": "14.1",
"Other Net Income": "-1.57",
"Economic Capital Ratio": "4.56"
},
"2020": {
"Notes Receivable": "-5.17",
"Assets": "-1.81",
"Liabilities": "9.80",
"Stockholders Equity": "9.56",
"Economic Capital Ratio": "0.151",
"Other Assets": "10.2",
"Loans": "-13.6",
"Cash and Cash Equivalents": "10.3",
"Other Liabilities": "-24.8",
"Deposits": "13.2",
"Debt": "3.84",
"Expenses": "-20.9",
"Revenues": "9.81",
"Net Income": "-9.52",
"General and Administrative Expense": "-9.25",
"Selling and Marketing Expense": "-2.82",
"Operating Expenses": "-25.6",
"Labor and Related Expense": "0.869",
"Other Expenses": "10.8",
"Other Revenues": "9.81",
"Comprehensive Net Income": "-9.39",
"Other Net Income": "-1.75"
},
"2023": {
"Assets": "3.64",
"Liabilities": "-3.10",
"Stockholders Equity": "0.578",
"ECR before LimitedLiability": "2.37",
"Notes Receivable": "2.56",
"Loans": "-1.79",
"Other Assets": "5.50",
"Cash and Cash Equivalents": "-1.48",
"Other Liabilities": "7.26",
"Deposits": "-21.9",
"Debt": "3.97",
"Expenses": "7.02",
"Revenues": "-4.29",
"Net Income": "1.17",
"Labor and Related Expense": "1.05",
"Operating Expenses": "2.99",
"Selling and Marketing Expense": "1.02",
"General and Administrative Expense": "1.23",
"Other Revenues": "-4.29",
"Other Net Income": "-0.465",
"Comprehensive Net Income": "1.11",
"Economic Capital Ratio": "0.464"
},
"2024": {
"Assets": "0.804",
"Liabilities": "-2.04",
"Stockholders Equity": "-1.04",
"ECR before LimitedLiability": "1.51",
"Other Assets": "7.45",
"Notes Receivable": "-4.23",
"Loans": "-1.05",
"Cash and Cash Equivalents": "-1.57",
"Debt": "4.51",
"Other Liabilities": "7.51",
"Deposits": "-25.1",
"Expenses": "3.51",
"Revenues": "-5.46",
"Net Income": "1.98",
"Other Expenses": "-2.06",
"General and Administrative Expense": "1.42",
"Operating Expenses": "3.95",
"Other Revenues": "-5.46",
"Comprehensive Net Income": "2.07",
"Other Net Income": "5.13",
"Economic Capital Ratio": "-1.02"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001409970_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "693,412",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "207,172",
"Interest Expense": "0",
"Interest Payable": "43,574",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "651,009",
"Other Assets": "4,869,219",
"Other Compr. Net Income": "904",
"Other Expenses": "-428,070",
"Other Liabilities": "4,543,287",
"Other Net Income": "0",
"Other Revenues": "500,812",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "216,670"
},
"output_variables": {
"Assets": "5,562,631",
"Liabilities": "4,586,861",
"Expenses": "646,781",
"Revenues": "500,812",
"Stockholders Equity": "975,770",
"Net Income": "-145,969",
"Comprehensive Net Income": "-145,065",
"BaseVar": "5,648,994",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "644,289",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "191,683",
"Interest Expense": "0",
"Interest Payable": "32,992",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "727,953",
"Other Assets": "3,996,542",
"Other Compr. Net Income": "762",
"Other Expenses": "-420,916",
"Other Liabilities": "3,680,082",
"Other Net Income": "210",
"Other Revenues": "574,540",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "229,865"
},
"output_variables": {
"Assets": "4,640,831",
"Liabilities": "3,713,074",
"Expenses": "728,585",
"Revenues": "574,540",
"Stockholders Equity": "927,757",
"Net Income": "-153,835",
"Comprehensive Net Income": "-153,073",
"BaseVar": "4,829,001",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "644,058",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "228,641",
"Interest Expense": "0",
"Interest Payable": "19,241",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "822,922",
"Other Assets": "3,175,469",
"Other Compr. Net Income": "162",
"Other Expenses": "-497,115",
"Other Liabilities": "2,929,305",
"Other Net Income": "-155",
"Other Revenues": "694,812",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "268,517"
},
"output_variables": {
"Assets": "3,819,527",
"Liabilities": "2,948,546",
"Expenses": "822,965",
"Revenues": "694,812",
"Stockholders Equity": "870,981",
"Net Income": "-128,308",
"Comprehensive Net Income": "-128,146",
"BaseVar": "4,143,084",
"ECR before LimitedLiability": "9.1%",
"Economic Capital Ratio": "16%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "487,122",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "238,292",
"Interest Expense": "0",
"Interest Payable": "9,260",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "789,498",
"Other Assets": "2,495,219",
"Other Compr. Net Income": "-722",
"Other Expenses": "-517,916",
"Other Liabilities": "2,072,894",
"Other Net Income": "-55",
"Other Revenues": "758,607",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "279,423"
},
"output_variables": {
"Assets": "2,982,341",
"Liabilities": "2,082,154",
"Expenses": "789,297",
"Revenues": "758,607",
"Stockholders Equity": "900,187",
"Net Income": "-30,745",
"Comprehensive Net Income": "-31,467",
"BaseVar": "3,306,588",
"ECR before LimitedLiability": "17%",
"Economic Capital Ratio": "21%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "628,485",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "213,021",
"Interest Expense": "0",
"Interest Payable": "4,572",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "502,319",
"Other Assets": "1,234,808",
"Other Compr. Net Income": "2,049",
"Other Expenses": "-292,155",
"Other Liabilities": "1,134,550",
"Other Net Income": "0",
"Other Revenues": "314,702",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "79,055"
},
"output_variables": {
"Assets": "1,863,293",
"Liabilities": "1,139,122",
"Expenses": "502,240",
"Revenues": "314,702",
"Stockholders Equity": "724,171",
"Net Income": "-187,538",
"Comprehensive Net Income": "-185,489",
"BaseVar": "1,910,703",
"ECR before LimitedLiability": "12%",
"Economic Capital Ratio": "18%"
}
},
"2023": {
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"Debt": "0",
"Deposits": "7,333,486",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "4,539,915",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "4,245,904",
"Other Compr. Net Income": "7,312",
"Other Expenses": "15,678",
"Other Liabilities": "242,155",
"Other Net Income": "54,617",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "8,827,463",
"Liabilities": "7,575,641",
"Expenses": "15,678",
"Revenues": "0",
"Stockholders Equity": "1,251,822",
"Net Income": "38,939",
"Comprehensive Net Income": "46,251",
"BaseVar": "8,240,356",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "15%"
}
},
"2024": {
"input_variables": {
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"Debt": "0",
"Deposits": "9,068,237",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "232,158",
"Loans": "0",
"Notes Receivable": "3,889,084",
"Occupancy": "15,798",
"Operating Expenses": "0",
"Other Assets": "6,718,087",
"Other Compr. Net Income": "6,061",
"Other Expenses": "387,323",
"Other Liabilities": "220,541",
"Other Net Income": "852,077",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "100,402"
},
"output_variables": {
"Assets": "10,630,509",
"Liabilities": "9,288,778",
"Expenses": "735,681",
"Revenues": "0",
"Stockholders Equity": "1,341,731",
"Net Income": "116,396",
"Comprehensive Net Income": "122,457",
"BaseVar": "10,756,553",
"ECR before LimitedLiability": "8.0%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 0.0,
"value": 0.15315306729014216,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001409970.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001409970.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001409970.svg"
},
{
"company_id": "0001168455",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001168455.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001168455.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001168455.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001168455_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001168455_main_keyfigs.svg",
"name": "Plumas Bancorp",
"rank": 22,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001168455.svg",
"report_text": "The relative strengths and weaknesses of Plumas Bancorp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Plumas Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.2% points.The greatest weakness of Plumas Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.1% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001168455_2025_Plumas_Bancorp.pdf",
"shrinked_graph_json": {
"2016": {
"Liabilities": "-3.97",
"Stockholders Equity": "-3.14",
"ECR before LimitedLiability": "-2.88",
"Deposits": "-17.1",
"Other Liabilities": "4.70",
"Debt": "3.99",
"Expenses": "4.42",
"Net Income": "1.13",
"Selling and Marketing Expense": "1.08",
"General and Administrative Expense": "1.20",
"Labor and Related Expense": "0.637",
"Other Expenses": "-1.48",
"Operating Expenses": "3.35",
"Other Revenues": "-3.89",
"Revenues": "-3.89",
"Cash and Cash Equivalents": "2.27",
"Other Assets": "-5.64",
"Notes Receivable": "-1.51",
"Loans": "4.90",
"Comprehensive Net Income": "1.10",
"Economic Capital Ratio": "-4.15"
},
"2017": {
"Other Liabilities": "4.97",
"Liabilities": "-3.37",
"Stockholders Equity": "-3.26",
"ECR before LimitedLiability": "-2.76",
"Debt": "3.39",
"Deposits": "-16.2",
"Expenses": "3.62",
"Net Income": "0.900",
"Other Expenses": "-0.770",
"Operating Expenses": "2.20",
"Labor and Related Expense": "0.626",
"Other Revenues": "-2.99",
"Revenues": "-2.99",
"Notes Receivable": "-1.41",
"Securities": "-0.612",
"Cash and Cash Equivalents": "3.32",
"Other Assets": "-4.46",
"Loans": "4.62",
"Comprehensive Net Income": "0.991",
"Other Net Income": "0.767",
"Economic Capital Ratio": "-3.47"
},
"2018": {
"Liabilities": "-3.29",
"Stockholders Equity": "-3.30",
"ECR before LimitedLiability": "-2.91",
"Deposits": "-14.8",
"Other Liabilities": "5.38",
"Debt": "2.90",
"Expenses": "3.63",
"Net Income": "1.11",
"Labor and Related Expense": "0.540",
"Other Expenses": "0.461",
"Selling and Marketing Expense": "0.555",
"Operating Expenses": "1.31",
"Other Revenues": "-2.42",
"Revenues": "-2.42",
"Other Assets": "-3.04",
"Notes Receivable": "-1.21",
"Securities": "-0.487",
"Cash and Cash Equivalents": "0.889",
"Loans": "4.66",
"Comprehensive Net Income": "1.06",
"Economic Capital Ratio": "-3.18"
},
"2019": {
"Liabilities": "-2.40",
"Stockholders Equity": "-2.05",
"ECR before LimitedLiability": "-1.42",
"Deposits": "-16.0",
"Debt": "4.17",
"Other Liabilities": "6.56",
"Expenses": "2.86",
"Net Income": "0.835",
"Operating Expenses": "0.603",
"Selling and Marketing Expense": "0.686",
"Labor and Related Expense": "0.569",
"Other Revenues": "-2.33",
"Revenues": "-2.33",
"Other Assets": "-3.26",
"Cash and Cash Equivalents": "0.617",
"Notes Receivable": "-2.07",
"Loans": "6.53",
"Securities": "-0.447",
"Comprehensive Net Income": "1.15",
"Other Net Income": "0.585",
"Economic Capital Ratio": "-1.61"
},
"2021": {
"Other Liabilities": "5.14",
"Liabilities": "-3.44",
"Stockholders Equity": "-3.25",
"ECR before LimitedLiability": "-5.06",
"Deposits": "-17.2",
"Debt": "3.62",
"Selling and Marketing Expense": "0.692",
"Expenses": "2.87",
"Net Income": "-0.723",
"Other Expenses": "-0.540",
"Operating Expenses": "1.07",
"General and Administrative Expense": "0.701",
"Other Revenues": "-3.71",
"Revenues": "-3.71",
"Loans": "4.88",
"Other Assets": "-4.38",
"Notes Receivable": "-5.82",
"Cash and Cash Equivalents": "5.06",
"Comprehensive Net Income": "-0.741",
"Other Net Income": "0.623",
"Economic Capital Ratio": "-5.50"
},
"2022": {
"Deposits": "-18.8",
"Liabilities": "-3.15",
"Loans": "-10.4",
"Stockholders Equity": "-3.48",
"Other Liabilities": "3.75",
"Debt": "2.75",
"Expenses": "2.69",
"Revenues": "-3.57",
"Net Income": "0.889",
"General and Administrative Expense": "0.787",
"Other Expenses": "-0.998",
"Selling and Marketing Expense": "0.838",
"Operating Expenses": "1.63",
"Other Revenues": "-3.57",
"ECR before LimitedLiability": "-4.19",
"Other Assets": "-1.45",
"Cash and Cash Equivalents": "2.71",
"Notes Receivable": "5.74",
"Other Net Income": "1.90",
"Economic Capital Ratio": "-4.66",
"Other Compr. Net Income": "-1.36"
},
"2023": {
"Assets": "1.16",
"Liabilities": "-3.09",
"Stockholders Equity": "-1.71",
"ECR before LimitedLiability": "1.30",
"Notes Receivable": "4.92",
"Loans": "-1.96",
"Other Assets": "-0.767",
"Other Liabilities": "6.11",
"Deposits": "-18.1",
"Debt": "4.29",
"Expenses": "5.03",
"Revenues": "-4.55",
"Net Income": "2.29",
"Other Expenses": "-1.46",
"Operating Expenses": "3.27",
"Selling and Marketing Expense": "1.11",
"General and Administrative Expense": "1.35",
"Other Revenues": "-4.55",
"Other Net Income": "2.83",
"Comprehensive Net Income": "2.38",
"Economic Capital Ratio": "-0.608"
},
"2024": {
"Assets": "1.73",
"Liabilities": "-3.53",
"Stockholders Equity": "-1.52",
"ECR before LimitedLiability": "1.46",
"Other Assets": "-1.69",
"Notes Receivable": "5.81",
"Loans": "-1.02",
"Debt": "4.37",
"Other Liabilities": "7.19",
"Deposits": "-24.8",
"Expenses": "6.80",
"Revenues": "-5.28",
"Net Income": "2.31",
"Other Expenses": "-0.774",
"General and Administrative Expense": "1.38",
"Operating Expenses": "3.82",
"Selling and Marketing Expense": "1.37",
"Other Revenues": "-5.28",
"Comprehensive Net Income": "2.76",
"Other Net Income": "2.12",
"Economic Capital Ratio": "-1.07"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001168455_strength_weakness.svg",
"table_records": {
"2016": {
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"Debt": "0",
"Deposits": "582,353",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "456,580",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "138,749",
"Other Compr. Net Income": "-930",
"Other Expenses": "4,759",
"Other Liabilities": "27,628",
"Other Net Income": "12,233",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "657,975",
"Liabilities": "609,981",
"Expenses": "4,759",
"Revenues": "0",
"Stockholders Equity": "47,994",
"Net Income": "7,474",
"Comprehensive Net Income": "6,544",
"BaseVar": "642,939",
"ECR before LimitedLiability": "4.8%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "87,537",
"Debt": "0",
"Deposits": "662,657",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "482,248",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "175,642",
"Other Compr. Net Income": "496",
"Other Expenses": "7,316",
"Other Liabilities": "27,070",
"Other Net Income": "15,505",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "745,427",
"Liabilities": "689,727",
"Expenses": "7,316",
"Revenues": "0",
"Stockholders Equity": "55,700",
"Net Income": "8,189",
"Comprehensive Net Income": "8,685",
"BaseVar": "729,236",
"ECR before LimitedLiability": "5.1%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "46,686",
"Debt": "0",
"Deposits": "726,565",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "562,498",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "215,214",
"Other Compr. Net Income": "-1,447",
"Other Expenses": "5,134",
"Other Liabilities": "30,901",
"Other Net Income": "19,126",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "757,466",
"Expenses": "5,134",
"Revenues": "0",
"Stockholders Equity": "66,932",
"Net Income": "13,992",
"Comprehensive Net Income": "12,545",
"BaseVar": "803,786",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "46,942",
"Debt": "0",
"Deposits": "747,324",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "616,036",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "202,213",
"Other Compr. Net Income": "4,066",
"Other Expenses": "5,868",
"Other Liabilities": "33,362",
"Other Net Income": "21,380",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "865,191",
"Liabilities": "780,686",
"Expenses": "5,868",
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"Stockholders Equity": "84,505",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "12,792",
"Loans": "829,385",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "404,105",
"Other Compr. Net Income": "-3,145",
"Other Expenses": "20,724",
"Other Liabilities": "40,993",
"Other Net Income": "50,944",
"Other Revenues": "380",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,614,074",
"Liabilities": "1,479,992",
"Expenses": "33,516",
"Revenues": "380",
"Stockholders Equity": "134,082",
"Net Income": "17,808",
"Comprehensive Net Income": "14,663",
"BaseVar": "1,591,026",
"ECR before LimitedLiability": "5.3%",
"Economic Capital Ratio": "13%"
}
},
"2022": {
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"Debt": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Loans": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "-38,356",
"Other Expenses": "24,364",
"Other Liabilities": "44,231",
"Other Net Income": "64,511",
"Other Revenues": "391",
"Professional Fees": "0",
"Securities": "0",
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},
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"Liabilities": "1,502,040",
"Expenses": "41,815",
"Revenues": "391",
"Stockholders Equity": "119,004",
"Net Income": "23,087",
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"BaseVar": "1,634,078",
"ECR before LimitedLiability": "2.8%",
"Economic Capital Ratio": "11%"
}
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"Loans": "0",
"Notes Receivable": "948,604",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "576,157",
"Other Compr. Net Income": "4,292",
"Other Expenses": "27,645",
"Other Liabilities": "129,444",
"Other Net Income": "73,635",
"Other Revenues": "417",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,463,099",
"Expenses": "47,965",
"Revenues": "417",
"Stockholders Equity": "147,317",
"Net Income": "26,087",
"Comprehensive Net Income": "30,379",
"BaseVar": "1,599,912",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
},
"2024": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,371,101",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "21,744",
"Loans": "0",
"Notes Receivable": "1,005,375",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "535,933",
"Other Compr. Net Income": "7,319",
"Other Expenses": "30,912",
"Other Liabilities": "74,325",
"Other Net Income": "77,122",
"Other Revenues": "409",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
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"Liabilities": "1,445,426",
"Expenses": "52,656",
"Revenues": "409",
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"BaseVar": "1,603,129",
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"Economic Capital Ratio": "15%"
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{
"company_id": "0001046050",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001046050.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001046050.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001046050.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001046050_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001046050_main_keyfigs.svg",
"name": "Timberland Bancorp INC",
"rank": 23,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001046050.svg",
"report_text": "The relative strengths and weaknesses of Timberland Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Timberland Bancorp INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Timberland Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 27% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.2% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001046050_2025_Timberland_Bancorp_INC.pdf",
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"Liabilities": "-2.25",
"Stockholders Equity": "-1.86",
"ECR before LimitedLiability": "-2.60",
"Deposits": "-19.0",
"Debt": "3.42",
"Expenses": "2.10",
"General and Administrative Expense": "0.485",
"Selling and Marketing Expense": "0.624",
"Operating Expenses": "1.03",
"Other Expenses": "-0.321",
"Interest Expense": "0.216",
"Other Revenues": "-2.95",
"Revenues": "-2.95",
"Notes Receivable": "-4.66",
"Other Assets": "11.4",
"Loans": "-11.5",
"Cash and Cash Equivalents": "6.44",
"Securities": "-0.353",
"Economic Capital Ratio": "-2.93",
"Other Net Income": "1.16"
},
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"Liabilities": "-2.55",
"Stockholders Equity": "-1.85",
"ECR before LimitedLiability": "-3.55",
"Loans": "-10.3",
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"Notes Receivable": "-5.48",
"Cash and Cash Equivalents": "7.30",
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"Deposits": "-17.6",
"Debt": "3.43",
"Selling and Marketing Expense": "0.645",
"Expenses": "2.43",
"Revenues": "-3.49",
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"Operating Expenses": "0.915",
"General and Administrative Expense": "0.654",
"Other Revenues": "-3.49",
"Comprehensive Net Income": "-0.596",
"Other Net Income": "0.709",
"Economic Capital Ratio": "-3.99"
},
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"Assets": "1.02",
"Liabilities": "-2.44",
"Stockholders Equity": "-1.23",
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"Revenues": "-3.04",
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"Selling and Marketing Expense": "0.701",
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"Other Net Income": "0.967",
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"Liabilities": "-2.48",
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"Selling and Marketing Expense": "1.06",
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"Other Revenues": "-4.41",
"Revenues": "-4.41",
"Other Net Income": "1.99",
"Other Compr. Net Income": "-0.436",
"Comprehensive Net Income": "1.51",
"Economic Capital Ratio": "0.160"
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"Assets": "2.67",
"Liabilities": "-3.57",
"Stockholders Equity": "-0.732",
"ECR before LimitedLiability": "1.33",
"Other Assets": "14.0",
"Notes Receivable": "-13.1",
"Loans": "-1.02",
"Cash and Cash Equivalents": "1.55",
"Debt": "4.33",
"Other Liabilities": "7.30",
"Deposits": "-27.1",
"Expenses": "6.69",
"Revenues": "-5.21",
"Net Income": "1.95",
"General and Administrative Expense": "1.37",
"Operating Expenses": "3.68",
"Selling and Marketing Expense": "1.36",
"Other Revenues": "-5.21",
"Comprehensive Net Income": "1.77",
"Other Net Income": "0.981",
"Economic Capital Ratio": "-1.21"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001046050_strength_weakness.svg",
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"2020": {
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"Debt": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "18,351",
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"Operating Expenses": "1,628",
"Other Assets": "1,251,526",
"Other Compr. Net Income": "11",
"Other Expenses": "18,895",
"Other Liabilities": "19,942",
"Other Net Income": "53,531",
"Other Revenues": "1,706",
"Professional Fees": "1,107",
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"Selling and Marketing Expense": "0"
},
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"Liabilities": "1,378,348",
"Expenses": "39,981",
"Revenues": "1,706",
"Stockholders Equity": "187,630",
"Net Income": "15,256",
"Comprehensive Net Income": "15,267",
"BaseVar": "1,519,778",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
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},
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"Other Assets": "1,211,984",
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"Other Expenses": "19,829",
"Other Liabilities": "14,726",
"Other Net Income": "58,469",
"Other Revenues": "1,215",
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"Labor and Related Expense": "20,816",
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"Other Expenses": "20,060",
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"Other Net Income": "57,806",
"Other Revenues": "975",
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},
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"Expenses": "44,566",
"Revenues": "975",
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"Comprehensive Net Income": "13,439",
"BaseVar": "1,803,285",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2023": {
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"Debt": "0",
"Deposits": "1,560,935",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "23,562",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,987",
"Other Assets": "1,711,184",
"Other Compr. Net Income": "-7,243",
"Other Expenses": "15,737",
"Other Liabilities": "45,897",
"Other Net Income": "67,272",
"Other Revenues": "959",
"Professional Fees": "2,078",
"Securities": "0",
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},
"output_variables": {
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"Liabilities": "1,606,832",
"Expenses": "43,364",
"Revenues": "959",
"Stockholders Equity": "233,073",
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"BaseVar": "1,782,788",
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"Economic Capital Ratio": "15%"
}
},
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"Other Net Income": "63,983",
"Other Revenues": "958",
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},
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"Revenues": "958",
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"BaseVar": "1,857,616",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
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"value": 0.1512789847670426,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001046050.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001046050.svg"
},
{
"company_id": "0001538263",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001538263.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001538263.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001538263.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001538263_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001538263_main_keyfigs.svg",
"name": "Hometrust Bancshares Inc",
"rank": 24,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001538263.svg",
"report_text": "The relative strengths and weaknesses of Hometrust Bancshares Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Hometrust Bancshares Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.6% points.The greatest weakness of Hometrust Bancshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 24% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.3% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001538263_2025_Hometrust_Bancshares_Inc.pdf",
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"Assets": "2.11",
"Liabilities": "-2.79",
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},
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"Liabilities": "-2.58",
"Stockholders Equity": "-1.09",
"ECR before LimitedLiability": "-1.30",
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"Other Assets": "-2.72",
"Loans": "6.45",
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"Debt": "3.18",
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"Operating Expenses": "2.02",
"Labor and Related Expense": "0.577",
"General and Administrative Expense": "0.465",
"Other Revenues": "-2.79",
"Revenues": "-2.79",
"Economic Capital Ratio": "-2.01",
"Other Net Income": "-0.499"
},
"2018": {
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"Assets": "0.782",
"Liabilities": "-2.49",
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"Revenues": "-2.33",
"Stockholders Equity": "-1.52",
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"Selling and Marketing Expense": "0.532",
"Operating Expenses": "1.25",
"General and Administrative Expense": "0.218",
"Other Revenues": "-2.33",
"Economic Capital Ratio": "-2.40",
"Other Net Income": "-0.689"
},
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"Assets": "1.01",
"Liabilities": "-2.41",
"Expenses": "3.30",
"Revenues": "-2.32",
"Stockholders Equity": "-1.21",
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"Cash and Cash Equivalents": "-0.603",
"Notes Receivable": "-2.07",
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"Deposits": "-6.11",
"Debt": "4.15",
"General and Administrative Expense": "0.359",
"Other Expenses": "0.521",
"Operating Expenses": "0.603",
"Selling and Marketing Expense": "0.686",
"Labor and Related Expense": "0.569",
"Other Revenues": "-2.32",
"Economic Capital Ratio": "-1.88",
"Other Net Income": "-0.577"
},
"2020": {
"Notes Receivable": "13.7",
"Assets": "1.04",
"Liabilities": "-3.44",
"Expenses": "4.35",
"Stockholders Equity": "-2.16",
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"Comprehensive Net Income": "-1.05",
"Other Net Income": "-1.44",
"Economic Capital Ratio": "-4.59"
},
"2022": {
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"Assets": "1.70",
"Liabilities": "-3.33",
"Stockholders Equity": "-1.45",
"ECR before LimitedLiability": "-0.941",
"Other Assets": "-4.63",
"Notes Receivable": "12.9",
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"Other Liabilities": "6.28",
"Debt": "4.04",
"Labor and Related Expense": "1.12",
"Expenses": "4.67",
"Revenues": "-3.04",
"Comprehensive Net Income": "1.04",
"General and Administrative Expense": "0.652",
"Selling and Marketing Expense": "0.694",
"Operating Expenses": "1.35",
"Other Revenues": "-3.04",
"Other Compr. Net Income": "0.574",
"Other Net Income": "-0.509",
"Economic Capital Ratio": "-1.41"
},
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"Liabilities": "-4.44",
"Stockholders Equity": "-0.923",
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"Other Assets": "-6.32",
"Notes Receivable": "8.60",
"Loans": "-0.999",
"Cash and Cash Equivalents": "0.596",
"Debt": "4.24",
"Other Liabilities": "6.89",
"Deposits": "-24.4",
"Expenses": "6.79",
"Revenues": "-5.14",
"Net Income": "2.01",
"Labor and Related Expense": "1.12",
"General and Administrative Expense": "1.34",
"Operating Expenses": "3.72",
"Selling and Marketing Expense": "1.34",
"Other Revenues": "-5.14",
"Comprehensive Net Income": "2.05",
"Economic Capital Ratio": "-1.25"
}
},
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"table_records": {
"2016": {
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"Debt": "0",
"Deposits": "1,802,696",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,811,539",
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"Occupancy": "0",
"Operating Expenses": "0",
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"Other Compr. Net Income": "1,473",
"Other Expenses": "4,901",
"Other Liabilities": "555,005",
"Other Net Income": "16,357",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "2,357,701",
"Expenses": "4,901",
"Revenues": "0",
"Stockholders Equity": "359,976",
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"Comprehensive Net Income": "12,929",
"BaseVar": "2,549,054",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
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"Debt": "0",
"Deposits": "2,048,451",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,330,319",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
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"Other Compr. Net Income": "-2,070",
"Other Expenses": "5,192",
"Other Liabilities": "760,435",
"Other Net Income": "17,039",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "2,808,886",
"Expenses": "5,192",
"Revenues": "0",
"Stockholders Equity": "397,647",
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"Comprehensive Net Income": "9,777",
"BaseVar": "3,019,860",
"ECR before LimitedLiability": "6.9%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,504,792",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "799,377",
"Other Compr. Net Income": "-1,871",
"Other Expenses": "26,736",
"Other Liabilities": "698,674",
"Other Net Income": "34,971",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "2,894,927",
"Expenses": "26,736",
"Revenues": "0",
"Stockholders Equity": "409,242",
"Net Income": "8,235",
"Comprehensive Net Income": "6,364",
"BaseVar": "3,131,337",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
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"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Occupancy": "0",
"Operating Expenses": "0",
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"Other Compr. Net Income": "2,331",
"Other Expenses": "6,791",
"Other Liabilities": "740,025",
"Other Net Income": "33,937",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "3,067,282",
"Expenses": "6,791",
"Revenues": "0",
"Stockholders Equity": "408,896",
"Net Income": "27,146",
"Comprehensive Net Income": "29,477",
"BaseVar": "3,293,260",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
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"Debt": "0",
"Deposits": "2,785,756",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "2,741,047",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "860,183",
"Other Compr. Net Income": "1,284",
"Other Expenses": "6,024",
"Other Liabilities": "528,833",
"Other Net Income": "28,807",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "3,314,589",
"Expenses": "6,024",
"Revenues": "0",
"Stockholders Equity": "408,263",
"Net Income": "22,783",
"Comprehensive Net Income": "24,067",
"BaseVar": "3,536,778",
"ECR before LimitedLiability": "6.5%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
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"Debt": "0",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "2,697,799",
"Occupancy": "0",
"Operating Expenses": "0",
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"Other Compr. Net Income": "-503",
"Other Expenses": "3,421",
"Other Liabilities": "172,663",
"Other Net Income": "19,096",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "3,128,204",
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"Revenues": "0",
"Stockholders Equity": "396,519",
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"Labor and Related Expense": "0",
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"Occupancy": "0",
"Operating Expenses": "0",
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"Other Compr. Net Income": "-3,917",
"Other Expenses": "9,725",
"Other Liabilities": "60,598",
"Other Net Income": "45,378",
"Other Revenues": "0",
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"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "3,160,359",
"Expenses": "9,725",
"Revenues": "0",
"Stockholders Equity": "388,845",
"Net Income": "35,653",
"Comprehensive Net Income": "31,736",
"BaseVar": "3,384,292",
"ECR before LimitedLiability": "6.7%",
"Economic Capital Ratio": "14%"
}
},
"2024": {
"input_variables": {
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"Debt": "0",
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"General and Administrative Expense": "0",
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"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "3,603,014",
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"Operating Expenses": "0",
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"Other Expenses": "15,106",
"Other Liabilities": "264,469",
"Other Net Income": "69,911",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"BaseVar": "4,362,126",
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"Economic Capital Ratio": "15%"
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001538263.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001538263.svg"
},
{
"company_id": "0001807893",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001807893.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001807893.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001807893.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001807893_256x256.png",
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"name": "Standard Premium Finance Holdings INC",
"rank": 25,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001807893.svg",
"report_text": "The relative strengths and weaknesses of Standard Premium Finance Holdings INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Standard Premium Finance Holdings INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Standard Premium Finance Holdings INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 37% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.4% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001807893_2025_Standard_Premium_Finance_Holdings_INC.pdf",
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"Expenses": "-5.83",
"Revenues": "7.05",
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"Selling and Marketing Expense": "0.770",
"Interest Expense": "-3.17",
"Operating Expenses": "1.50",
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"Comprehensive Net Income": "1.61",
"Other Net Income": "-1.67"
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"Selling and Marketing Expense": "1.59",
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"Debt": "5.05",
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"Comprehensive Net Income": "2.52",
"Other Net Income": "-1.88"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001807893_strength_weakness.svg",
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"Other Net Income": "0",
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"Revenues": "7,665",
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"Comprehensive Net Income": "876",
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"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
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"Other Net Income": "0",
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"Professional Fees": "374",
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},
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"Revenues": "8,157",
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"Revenues": "9,723",
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"Other Net Income": "0",
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"Professional Fees": "372",
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"Selling and Marketing Expense": "0"
},
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"Liabilities": "58,495",
"Expenses": "11,163",
"Revenues": "12,143",
"Stockholders Equity": "7,352",
"Net Income": "980",
"Comprehensive Net Income": "980",
"BaseVar": "73,824",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
}
},
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"trend": 13.0,
"value": 0.14959983289506004,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001807893.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001807893.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001807893.svg"
},
{
"company_id": "0001493225",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001493225.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001493225.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001493225.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001493225_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001493225_main_keyfigs.svg",
"name": "Northfield Bancorp Inc",
"rank": 26,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001493225.svg",
"report_text": "The relative strengths and weaknesses of Northfield Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Northfield Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.0% points.The greatest weakness of Northfield Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.4% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001493225_2025_Northfield_Bancorp_Inc.pdf",
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"Assets": "2.45",
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"Loans": "8.80",
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"Debt": "3.49",
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"Selling and Marketing Expense": "0.914",
"General and Administrative Expense": "1.01",
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"Economic Capital Ratio": "-0.596"
},
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"Assets": "1.68",
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"Securities": "-0.507",
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"Loans": "8.50",
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"Revenues": "-2.66",
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"Economic Capital Ratio": "-0.215"
},
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"Liabilities": "-1.88",
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"Other Expenses": "0.708",
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"Operating Expenses": "1.16",
"Other Revenues": "-2.19",
"Other Net Income": "-0.576",
"Economic Capital Ratio": "-0.727"
},
"2019": {
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"Assets": "0.719",
"Liabilities": "-1.32",
"Stockholders Equity": "-0.452",
"ECR before LimitedLiability": "-0.658",
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"Notes Receivable": "-2.00",
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"Other Revenues": "-2.10",
"Revenues": "-2.10",
"Economic Capital Ratio": "-0.848",
"Other Net Income": "0.433"
},
"2020": {
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"Assets": "0.879",
"Liabilities": "-2.18",
"Stockholders Equity": "-1.09",
"ECR before LimitedLiability": "-1.99",
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"Cash and Cash Equivalents": "-1.35",
"Securities": "-0.337",
"Other Liabilities": "5.31",
"Deposits": "-11.3",
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"Revenues": "-2.82",
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"General and Administrative Expense": "0.468",
"Selling and Marketing Expense": "0.571",
"Operating Expenses": "1.07",
"Other Expenses": "0.212",
"Other Revenues": "-2.82",
"Economic Capital Ratio": "-2.33"
},
"2021": {
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"Liabilities": "-2.07",
"Stockholders Equity": "-0.956",
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"Other Net Income": "0.552",
"Economic Capital Ratio": "-3.04"
},
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"Liabilities": "-2.27",
"Stockholders Equity": "-0.916",
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"Notes Receivable": "12.7",
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"Selling and Marketing Expense": "0.672",
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"Other Revenues": "-2.96",
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"Economic Capital Ratio": "-1.30"
},
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"Other Expenses": "-0.571",
"Operating Expenses": "3.10",
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"General and Administrative Expense": "1.28",
"Other Revenues": "-4.28",
"Revenues": "-4.28",
"Other Net Income": "0.801",
"Comprehensive Net Income": "1.51",
"Economic Capital Ratio": "0.0845"
},
"2024": {
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"Liabilities": "-3.96",
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"Notes Receivable": "7.00",
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"Cash and Cash Equivalents": "-0.573",
"Debt": "4.32",
"Other Liabilities": "6.44",
"Deposits": "-16.5",
"Expenses": "6.51",
"Revenues": "-5.08",
"Net Income": "1.46",
"Labor and Related Expense": "0.420",
"General and Administrative Expense": "1.37",
"Operating Expenses": "3.80",
"Selling and Marketing Expense": "1.34",
"Other Revenues": "-5.08",
"Comprehensive Net Income": "1.68",
"Economic Capital Ratio": "-1.43"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001493225_strength_weakness.svg",
"table_records": {
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"Debt": "0",
"Deposits": "2,713,587",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "810,520",
"Other Compr. Net Income": "-1,346",
"Other Expenses": "13,665",
"Other Liabilities": "515,311",
"Other Net Income": "39,795",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "3,228,898",
"Expenses": "13,665",
"Revenues": "0",
"Stockholders Equity": "621,196",
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"Comprehensive Net Income": "24,784",
"BaseVar": "3,566,899",
"ECR before LimitedLiability": "9.5%",
"Economic Capital Ratio": "16%"
}
},
"2017": {
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"Debt": "0",
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"Interest Expense": "0",
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"Notes Receivable": "0",
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"Operating Expenses": "0",
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"Other Expenses": "26,978",
"Other Liabilities": "515,561",
"Other Net Income": "51,746",
"Other Revenues": "0",
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"Securities": "0",
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},
"output_variables": {
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"Revenues": "0",
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"Economic Capital Ratio": "16%"
}
},
"2018": {
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"Notes Receivable": "0",
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"Other Liabilities": "455,481",
"Other Net Income": "49,711",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "3,741,993",
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"Revenues": "0",
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"BaseVar": "4,106,732",
"ECR before LimitedLiability": "9.1%",
"Economic Capital Ratio": "16%"
}
},
"2019": {
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"Interest Expense": "0",
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"Loans": "3,408,378",
"Notes Receivable": "0",
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"Operating Expenses": "0",
"Other Assets": "1,499,106",
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"Other Expenses": "26,102",
"Other Liabilities": "951,216",
"Other Net Income": "114,265",
"Other Revenues": "12,306",
"Professional Fees": "3,545",
"Securities": "0",
"Selling and Marketing Expense": "3,442"
},
"output_variables": {
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"Liabilities": "4,359,449",
"Expenses": "86,336",
"Revenues": "12,306",
"Stockholders Equity": "695,853",
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"Comprehensive Net Income": "54,081",
"BaseVar": "4,820,752",
"ECR before LimitedLiability": "8.5%",
"Economic Capital Ratio": "16%"
}
},
"2020": {
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"Debt": "0",
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"Depreciation and Amortization": "0",
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"Interest Expense": "0",
"Interest Payable": "0",
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"Loans": "0",
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"Operating Expenses": "0",
"Other Assets": "1,641,369",
"Other Compr. Net Income": "8,461",
"Other Expenses": "28,732",
"Other Liabilities": "684,012",
"Other Net Income": "119,659",
"Other Revenues": "8,879",
"Professional Fees": "4,141",
"Securities": "0",
"Selling and Marketing Expense": "2,088"
},
"output_variables": {
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"Liabilities": "4,760,563",
"Expenses": "91,550",
"Revenues": "8,879",
"Stockholders Equity": "753,981",
"Net Income": "36,988",
"Comprehensive Net Income": "45,449",
"BaseVar": "5,251,828",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "16%"
}
},
"2021": {
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"Debt": "0",
"Deposits": "4,169,334",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "43,677",
"Loans": "0",
"Notes Receivable": "3,767,644",
"Occupancy": "13,956",
"Operating Expenses": "0",
"Other Assets": "1,571,830",
"Other Compr. Net Income": "-11,097",
"Other Expenses": "42,045",
"Other Liabilities": "521,325",
"Other Net Income": "166,432",
"Other Revenues": "9,854",
"Professional Fees": "3,596",
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},
"output_variables": {
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"Economic Capital Ratio": "16%"
}
},
"2022": {
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"Economic Capital Ratio": "15%"
}
},
"2023": {
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"Interest Payable": "0",
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"Loans": "0",
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"Other Compr. Net Income": "15,889",
"Other Expenses": "32,209",
"Other Liabilities": "1,020,516",
"Other Net Income": "125,152",
"Other Revenues": "10,058",
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},
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"Expenses": "97,541",
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"BaseVar": "5,372,994",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
}
},
"2024": {
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"Debt": "0",
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"Other Expenses": "29,921",
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"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 0.0,
"value": 0.149019194093496,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001493225.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001493225.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001493225.svg"
},
{
"company_id": "0001299709",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001299709.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001299709.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001299709.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001299709_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001299709_main_keyfigs.svg",
"name": "Axos Financial Inc",
"rank": 27,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001299709.svg",
"report_text": "The relative strengths and weaknesses of Axos Financial Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Axos Financial Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 9.6% points.The greatest weakness of Axos Financial Inc is the variable Deposits, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.5% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001299709_2025_Axos_Financial_Inc.pdf",
"shrinked_graph_json": {
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"Stockholders Equity": "-2.37",
"ECR before LimitedLiability": "-1.62",
"Deposits": "-12.0",
"Other Liabilities": "4.87",
"Debt": "3.84",
"Expenses": "4.85",
"Net Income": "1.45",
"Selling and Marketing Expense": "1.03",
"General and Administrative Expense": "1.14",
"Other Expenses": "-1.72",
"Operating Expenses": "3.17",
"Other Revenues": "-3.73",
"Revenues": "-3.73",
"Cash and Cash Equivalents": "-1.58",
"Other Assets": "-6.60",
"Notes Receivable": "-1.41",
"Loans": "8.32",
"Comprehensive Net Income": "1.57",
"Other Net Income": "1.12",
"Economic Capital Ratio": "-2.89"
},
"2023": {
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"Liabilities": "-3.93",
"Stockholders Equity": "-1.49",
"ECR before LimitedLiability": "1.09",
"Notes Receivable": "8.74",
"Loans": "-1.94",
"Other Assets": "-8.59",
"Cash and Cash Equivalents": "2.86",
"Other Liabilities": "6.10",
"Deposits": "-20.0",
"Debt": "3.36",
"Expenses": "5.80",
"Revenues": "-4.49",
"Net Income": "2.19",
"Labor and Related Expense": "1.12",
"Operating Expenses": "3.21",
"Selling and Marketing Expense": "1.09",
"General and Administrative Expense": "1.32",
"Other Revenues": "-4.49",
"Comprehensive Net Income": "2.03",
"Economic Capital Ratio": "-0.810"
},
"2024": {
"Assets": "2.58",
"Liabilities": "-4.60",
"Stockholders Equity": "-1.77",
"ECR before LimitedLiability": "1.07",
"Other Assets": "-8.84",
"Notes Receivable": "9.58",
"Loans": "-1.02",
"Cash and Cash Equivalents": "1.97",
"Debt": "3.65",
"Other Liabilities": "6.88",
"Deposits": "-25.4",
"Expenses": "6.56",
"Revenues": "-5.22",
"Net Income": "2.71",
"Labor and Related Expense": "1.14",
"General and Administrative Expense": "1.37",
"Operating Expenses": "3.79",
"Selling and Marketing Expense": "1.36",
"Other Revenues": "-5.22",
"Comprehensive Net Income": "2.78",
"Economic Capital Ratio": "-1.47"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001299709_strength_weakness.svg",
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"Interest Expense": "0",
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"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,244,625",
"Other Compr. Net Income": "2,095",
"Other Expenses": "85,604",
"Other Liabilities": "869,996",
"Other Net Income": "204,895",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "6,915,714",
"Expenses": "85,604",
"Revenues": "0",
"Stockholders Equity": "683,590",
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"Comprehensive Net Income": "121,386",
"BaseVar": "7,403,806",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
},
"2023": {
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"Interest Expense": "0",
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{
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"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001337068.svg",
"report_text": "The relative strengths and weaknesses of Magyar Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Magyar Bancorp Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Magyar Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.6% points below the market average of 16%.",
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"report_text": "The relative strengths and weaknesses of Heritage Financial CORP WA are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Heritage Financial CORP WA compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.4% points.The greatest weakness of Heritage Financial CORP WA is the variable Deposits, reducing the Economic Capital Ratio by 22% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.7% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001046025_2025_Heritage_Financial_CORP_WA.pdf",
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"Comprehensive Net Income": "0.488",
"Other Net Income": "-0.528",
"Economic Capital Ratio": "-1.02"
},
"2019": {
"Other Assets": "-1.19",
"Assets": "1.32",
"Economic Capital Ratio": "-0.146",
"Notes Receivable": "-1.91",
"Loans": "5.87",
"Securities": "-0.410",
"Liabilities": "-1.56",
"Deposits": "-15.7",
"Debt": "3.92",
"Other Liabilities": "7.98",
"General and Administrative Expense": "0.335",
"Expenses": "3.00",
"Revenues": "-2.20",
"Net Income": "0.374",
"Other Expenses": "0.447",
"Operating Expenses": "0.562",
"Selling and Marketing Expense": "0.639",
"Labor and Related Expense": "0.531",
"Other Revenues": "-2.20",
"Comprehensive Net Income": "0.553",
"Other Net Income": "-0.169",
"Other Compr. Net Income": "0.176"
},
"2020": {
"Notes Receivable": "-4.53",
"Assets": "1.26",
"Liabilities": "-3.03",
"Expenses": "4.23",
"Stockholders Equity": "-1.53",
"ECR before LimitedLiability": "-2.45",
"Other Assets": "-4.40",
"Loans": "7.61",
"Cash and Cash Equivalents": "2.32",
"Other Liabilities": "6.77",
"Deposits": "-18.6",
"Debt": "3.31",
"General and Administrative Expense": "0.470",
"Selling and Marketing Expense": "0.604",
"Operating Expenses": "1.08",
"Labor and Related Expense": "0.766",
"Other Expenses": "0.551",
"Other Revenues": "-2.94",
"Revenues": "-2.94",
"Economic Capital Ratio": "-2.79",
"Other Net Income": "-0.900"
},
"2021": {
"Assets": "1.18",
"Liabilities": "-3.18",
"Stockholders Equity": "-1.75",
"ECR before LimitedLiability": "-3.50",
"Loans": "-10.2",
"Other Assets": "-3.47",
"Notes Receivable": "8.90",
"Cash and Cash Equivalents": "6.40",
"Other Liabilities": "6.45",
"Deposits": "-17.0",
"Debt": "3.36",
"Selling and Marketing Expense": "0.632",
"Expenses": "4.22",
"Revenues": "-3.47",
"Comprehensive Net Income": "-0.499",
"Operating Expenses": "0.981",
"Labor and Related Expense": "0.967",
"General and Administrative Expense": "0.640",
"Other Revenues": "-3.47",
"Other Net Income": "-0.580",
"Economic Capital Ratio": "-3.93"
},
"2022": {
"Loans": "-9.43",
"Assets": "1.54",
"Liabilities": "-3.02",
"Stockholders Equity": "-1.35",
"ECR before LimitedLiability": "-1.80",
"Other Assets": "2.92",
"Cash and Cash Equivalents": "-0.801",
"Notes Receivable": "7.86",
"Deposits": "-18.1",
"Other Liabilities": "5.44",
"Debt": "4.20",
"Labor and Related Expense": "1.18",
"Expenses": "4.94",
"Revenues": "-3.17",
"Net Income": "0.613",
"General and Administrative Expense": "0.685",
"Selling and Marketing Expense": "0.729",
"Operating Expenses": "1.42",
"Other Revenues": "-3.17",
"Economic Capital Ratio": "-2.27",
"Other Compr. Net Income": "-0.633"
},
"2023": {
"Assets": "2.09",
"Liabilities": "-2.77",
"Stockholders Equity": "-0.533",
"ECR before LimitedLiability": "1.74",
"Notes Receivable": "5.92",
"Loans": "-1.90",
"Cash and Cash Equivalents": "-0.660",
"Other Liabilities": "6.43",
"Deposits": "-16.0",
"Debt": "4.18",
"Interest Expense": "0.282",
"Expenses": "5.30",
"Revenues": "-4.44",
"Net Income": "1.35",
"Other Expenses": "-0.698",
"Operating Expenses": "3.17",
"Selling and Marketing Expense": "1.05",
"General and Administrative Expense": "1.31",
"Other Revenues": "-4.44",
"Other Net Income": "1.47",
"Comprehensive Net Income": "1.54",
"Economic Capital Ratio": "-0.161"
},
"2024": {
"Assets": "2.75",
"Liabilities": "-3.84",
"Stockholders Equity": "-0.981",
"ECR before LimitedLiability": "0.858",
"Other Assets": "-1.97",
"Notes Receivable": "6.42",
"Loans": "-1.04",
"Cash and Cash Equivalents": "-1.06",
"Debt": "4.39",
"Other Liabilities": "6.43",
"Deposits": "-21.6",
"Expenses": "6.24",
"Revenues": "-5.26",
"Net Income": "1.32",
"General and Administrative Expense": "1.40",
"Operating Expenses": "3.87",
"Selling and Marketing Expense": "1.38",
"Other Revenues": "-5.26",
"Comprehensive Net Income": "1.58",
"Other Net Income": "0.435",
"Economic Capital Ratio": "-1.68"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001046025_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "103,745",
"Debt": "0",
"Deposits": "3,229,648",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,609,666",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,165,570",
"Other Compr. Net Income": "-5,165",
"Other Expenses": "13,803",
"Other Liabilities": "167,570",
"Other Net Income": "52,721",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,878,981",
"Liabilities": "3,397,218",
"Expenses": "13,803",
"Revenues": "0",
"Stockholders Equity": "481,763",
"Net Income": "38,918",
"Comprehensive Net Income": "33,753",
"BaseVar": "3,673,944",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "103,015",
"Debt": "0",
"Deposits": "3,393,060",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,816,985",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,193,270",
"Other Compr. Net Income": "1,526",
"Other Expenses": "18,356",
"Other Liabilities": "211,905",
"Other Net Income": "60,147",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,113,270",
"Liabilities": "3,604,965",
"Expenses": "18,356",
"Revenues": "0",
"Stockholders Equity": "508,305",
"Net Income": "41,791",
"Comprehensive Net Income": "43,317",
"BaseVar": "3,899,132",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "161,910",
"Debt": "0",
"Deposits": "4,432,402",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "3,619,118",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,535,899",
"Other Compr. Net Income": "-6,064",
"Other Expenses": "11,030",
"Other Liabilities": "123,802",
"Other Net Income": "64,087",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "5,316,927",
"Liabilities": "4,556,204",
"Expenses": "11,030",
"Revenues": "0",
"Stockholders Equity": "760,723",
"Net Income": "53,057",
"Comprehensive Net Income": "46,993",
"BaseVar": "4,977,156",
"ECR before LimitedLiability": "8.7%",
"Economic Capital Ratio": "16%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "228,568",
"Debt": "0",
"Deposits": "4,582,676",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "3,731,708",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,592,694",
"Other Compr. Net Income": "17,833",
"Other Expenses": "13,488",
"Other Liabilities": "160,983",
"Other Net Income": "81,045",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "5,552,970",
"Liabilities": "4,743,659",
"Expenses": "13,488",
"Revenues": "0",
"Stockholders Equity": "809,311",
"Net Income": "67,557",
"Comprehensive Net Income": "85,390",
"BaseVar": "5,204,498",
"ECR before LimitedLiability": "9.5%",
"Economic Capital Ratio": "16%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "743,322",
"Debt": "0",
"Deposits": "5,597,990",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "4,398,462",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,473,534",
"Other Compr. Net Income": "14,640",
"Other Expenses": "6,610",
"Other Liabilities": "196,889",
"Other Net Income": "53,180",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "6,615,318",
"Liabilities": "5,794,879",
"Expenses": "6,610",
"Revenues": "0",
"Stockholders Equity": "820,439",
"Net Income": "46,570",
"Comprehensive Net Income": "61,210",
"BaseVar": "6,242,314",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "1,723,292",
"Debt": "0",
"Deposits": "6,381,337",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "3,773,301",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,935,819",
"Other Compr. Net Income": "-15,622",
"Other Expenses": "22,472",
"Other Liabilities": "196,643",
"Other Net Income": "120,507",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "7,432,412",
"Liabilities": "6,577,980",
"Expenses": "22,472",
"Revenues": "0",
"Stockholders Equity": "854,432",
"Net Income": "98,035",
"Comprehensive Net Income": "82,413",
"BaseVar": "7,084,496",
"ECR before LimitedLiability": "7.3%",
"Economic Capital Ratio": "15%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "103,590",
"Debt": "0",
"Deposits": "5,924,840",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "4,007,872",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,868,638",
"Other Compr. Net Income": "-109,246",
"Other Expenses": "17,561",
"Other Liabilities": "257,367",
"Other Net Income": "99,436",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "6,980,100",
"Liabilities": "6,182,207",
"Expenses": "17,561",
"Revenues": "0",
"Stockholders Equity": "797,893",
"Net Income": "81,875",
"Comprehensive Net Income": "-27,371",
"BaseVar": "6,694,275",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "14%"
}
},
"2023": {
"input_variables": {
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"Debt": "0",
"Deposits": "5,599,872",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "100,083",
"Loans": "0",
"Notes Receivable": "4,287,628",
"Occupancy": "19,156",
"Operating Expenses": "0",
"Other Assets": "2,662,356",
"Other Compr. Net Income": "27,374",
"Other Expenses": "52,387",
"Other Liabilities": "721,824",
"Other Net Income": "217,298",
"Other Revenues": "2,934",
"Professional Fees": "4,227",
"Securities": "0",
"Selling and Marketing Expense": "1,930"
},
"output_variables": {
"Assets": "7,174,957",
"Liabilities": "6,321,696",
"Expenses": "177,783",
"Revenues": "2,934",
"Stockholders Equity": "853,261",
"Net Income": "42,449",
"Comprehensive Net Income": "69,823",
"BaseVar": "6,961,021",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "117,100",
"Debt": "0",
"Deposits": "5,684,613",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "98,527",
"Loans": "0",
"Notes Receivable": "4,749,655",
"Occupancy": "19,289",
"Operating Expenses": "0",
"Other Assets": "2,239,523",
"Other Compr. Net Income": "17,232",
"Other Expenses": "45,978",
"Other Liabilities": "558,138",
"Other Net Income": "188,551",
"Other Revenues": "2,967",
"Professional Fees": "2,515",
"Securities": "0",
"Selling and Marketing Expense": "988"
},
"output_variables": {
"Assets": "7,106,278",
"Liabilities": "6,242,751",
"Expenses": "167,297",
"Revenues": "2,967",
"Stockholders Equity": "863,527",
"Net Income": "24,221",
"Comprehensive Net Income": "41,453",
"BaseVar": "6,862,538",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": -1.0,
"value": 0.14658299858632529,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001046025.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001046025.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001046025.svg"
},
{
"company_id": "0001436425",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001436425.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001436425.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001436425.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001436425_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001436425_main_keyfigs.svg",
"name": "HOME Bancorp INC",
"rank": 30,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001436425.svg",
"report_text": "The relative strengths and weaknesses of HOME Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of HOME Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.9% points.The greatest weakness of HOME Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 22% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 1.8% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001436425_2025_HOME_Bancorp_INC.pdf",
"shrinked_graph_json": {
"2019": {
"Other Assets": "15.7",
"Assets": "0.309",
"Liabilities": "-0.669",
"Stockholders Equity": "-0.281",
"ECR before LimitedLiability": "-0.511",
"Cash and Cash Equivalents": "-1.28",
"Notes Receivable": "-2.01",
"Loans": "-14.9",
"Securities": "-0.433",
"Deposits": "-14.5",
"Debt": "4.11",
"Other Liabilities": "7.44",
"General and Administrative Expense": "0.352",
"Expenses": "0.708",
"Operating Expenses": "0.591",
"Selling and Marketing Expense": "0.615",
"Labor and Related Expense": "-0.795",
"Other Revenues": "-2.23",
"Revenues": "-2.23",
"Economic Capital Ratio": "-0.701",
"Other Net Income": "1.72"
},
"2020": {
"Other Liabilities": "6.76",
"Liabilities": "-2.15",
"Stockholders Equity": "-1.69",
"ECR before LimitedLiability": "-2.58",
"Deposits": "-18.2",
"Debt": "3.41",
"Expenses": "2.00",
"Revenues": "-3.00",
"Net Income": "-0.297",
"General and Administrative Expense": "0.485",
"Selling and Marketing Expense": "0.588",
"Operating Expenses": "1.11",
"Labor and Related Expense": "-0.394",
"Other Revenues": "-3.00",
"Notes Receivable": "14.5",
"Other Assets": "-3.94",
"Loans": "-11.5",
"Cash and Cash Equivalents": "-1.94",
"Securities": "-0.352",
"Other Net Income": "0.992",
"Economic Capital Ratio": "-2.92"
},
"2021": {
"Securities": "-0.326",
"Assets": "0.334",
"Liabilities": "-2.23",
"Stockholders Equity": "-1.69",
"ECR before LimitedLiability": "-3.27",
"Loans": "-10.3",
"Notes Receivable": "11.8",
"Cash and Cash Equivalents": "-2.21",
"Other Liabilities": "6.72",
"Deposits": "-16.7",
"Debt": "3.42",
"Selling and Marketing Expense": "0.589",
"Expenses": "2.09",
"Revenues": "-3.46",
"Net Income": "-0.515",
"Operating Expenses": "0.995",
"General and Administrative Expense": "0.649",
"Other Revenues": "-3.46",
"Comprehensive Net Income": "-0.502",
"Other Net Income": "1.21",
"Economic Capital Ratio": "-3.70"
},
"2022": {
"Loans": "-9.80",
"Assets": "0.365",
"Liabilities": "-2.57",
"Stockholders Equity": "-2.04",
"ECR before LimitedLiability": "-2.47",
"Other Assets": "-3.60",
"Cash and Cash Equivalents": "-1.43",
"Securities": "-0.354",
"Notes Receivable": "11.3",
"Deposits": "-14.6",
"Other Liabilities": "4.62",
"Debt": "4.40",
"Expenses": "2.60",
"General and Administrative Expense": "0.723",
"Other Expenses": "-0.457",
"Selling and Marketing Expense": "0.706",
"Operating Expenses": "1.50",
"Other Revenues": "-3.30",
"Revenues": "-3.30",
"Economic Capital Ratio": "-2.94",
"Other Net Income": "1.35"
},
"2023": {
"Assets": "1.79",
"Liabilities": "-2.85",
"Stockholders Equity": "-0.902",
"ECR before LimitedLiability": "1.48",
"Notes Receivable": "7.92",
"Loans": "-1.93",
"Other Assets": "-4.52",
"Cash and Cash Equivalents": "-1.76",
"Other Liabilities": "6.24",
"Deposits": "-17.2",
"Debt": "4.24",
"Expenses": "5.09",
"Revenues": "-4.50",
"Net Income": "1.59",
"Other Expenses": "-0.846",
"Operating Expenses": "3.22",
"Selling and Marketing Expense": "1.04",
"General and Administrative Expense": "1.33",
"Other Revenues": "-4.50",
"Other Net Income": "1.98",
"Comprehensive Net Income": "1.66",
"Economic Capital Ratio": "-0.424"
},
"2024": {
"Assets": "2.39",
"Liabilities": "-3.82",
"Stockholders Equity": "-1.28",
"ECR before LimitedLiability": "0.719",
"Other Assets": "-4.93",
"Notes Receivable": "7.93",
"Loans": "-1.05",
"Cash and Cash Equivalents": "-1.64",
"Debt": "4.44",
"Other Liabilities": "6.34",
"Deposits": "-21.7",
"Expenses": "6.09",
"Revenues": "-5.31",
"Net Income": "1.66",
"General and Administrative Expense": "1.41",
"Operating Expenses": "3.92",
"Selling and Marketing Expense": "1.36",
"Other Revenues": "-5.31",
"Comprehensive Net Income": "1.75",
"Other Net Income": "1.11",
"Economic Capital Ratio": "-1.81"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001436425_strength_weakness.svg",
"table_records": {
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,820,975",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "38,415",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "7,118",
"Operating Expenses": "0",
"Other Assets": "2,200,465",
"Other Compr. Net Income": "2,898",
"Other Expenses": "21,500",
"Other Liabilities": "63,161",
"Other Net Income": "84,872",
"Other Revenues": "2,069",
"Professional Fees": "856",
"Securities": "0",
"Selling and Marketing Expense": "1,576"
},
"output_variables": {
"Assets": "2,200,465",
"Liabilities": "1,884,136",
"Expenses": "69,465",
"Revenues": "2,069",
"Stockholders Equity": "316,329",
"Net Income": "17,476",
"Comprehensive Net Income": "20,374",
"BaseVar": "2,121,952",
"ECR before LimitedLiability": "8.7%",
"Economic Capital Ratio": "16%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,213,821",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "37,935",
"Loans": "0",
"Notes Receivable": "1,946,991",
"Occupancy": "6,794",
"Operating Expenses": "0",
"Other Assets": "644,859",
"Other Compr. Net Income": "4,582",
"Other Expenses": "22,310",
"Other Liabilities": "56,187",
"Other Net Income": "83,280",
"Other Revenues": "994",
"Professional Fees": "852",
"Securities": "0",
"Selling and Marketing Expense": "1,132"
},
"output_variables": {
"Assets": "2,591,850",
"Liabilities": "2,270,008",
"Expenses": "69,023",
"Revenues": "994",
"Stockholders Equity": "321,842",
"Net Income": "15,251",
"Comprehensive Net Income": "19,833",
"BaseVar": "2,509,868",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,535,849",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "39,151",
"Loans": "0",
"Notes Receivable": "1,819,004",
"Occupancy": "6,970",
"Operating Expenses": "0",
"Other Assets": "1,119,240",
"Other Compr. Net Income": "-4,530",
"Other Expenses": "29,630",
"Other Liabilities": "50,492",
"Other Net Income": "114,181",
"Other Revenues": "2,603",
"Professional Fees": "1,178",
"Securities": "0",
"Selling and Marketing Expense": "1,871"
},
"output_variables": {
"Assets": "2,938,244",
"Liabilities": "2,586,341",
"Expenses": "78,800",
"Revenues": "2,603",
"Stockholders Equity": "351,903",
"Net Income": "37,984",
"Comprehensive Net Income": "33,454",
"BaseVar": "2,862,350",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,633,181",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "47,750",
"Loans": "0",
"Notes Receivable": "2,401,451",
"Occupancy": "8,715",
"Operating Expenses": "0",
"Other Assets": "826,829",
"Other Compr. Net Income": "-40,051",
"Other Expenses": "29,871",
"Other Liabilities": "265,145",
"Other Net Income": "112,297",
"Other Revenues": "915",
"Professional Fees": "1,740",
"Securities": "0",
"Selling and Marketing Expense": "2,263"
},
"output_variables": {
"Assets": "3,228,280",
"Liabilities": "2,898,326",
"Expenses": "90,339",
"Revenues": "915",
"Stockholders Equity": "329,954",
"Net Income": "22,873",
"Comprehensive Net Income": "-17,178",
"BaseVar": "3,185,104",
"ECR before LimitedLiability": "4.8%",
"Economic Capital Ratio": "13%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,670,624",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "48,933",
"Loans": "0",
"Notes Receivable": "2,550,101",
"Occupancy": "9,674",
"Operating Expenses": "0",
"Other Assets": "770,021",
"Other Compr. Net Income": "7,925",
"Other Expenses": "30,304",
"Other Liabilities": "282,054",
"Other Net Income": "119,899",
"Other Revenues": "1,045",
"Professional Fees": "1,690",
"Securities": "0",
"Selling and Marketing Expense": "2,146"
},
"output_variables": {
"Assets": "3,320,122",
"Liabilities": "2,952,678",
"Expenses": "92,747",
"Revenues": "1,045",
"Stockholders Equity": "367,444",
"Net Income": "28,197",
"Comprehensive Net Income": "36,122",
"BaseVar": "3,247,208",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,780,696",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "51,330",
"Loans": "0",
"Notes Receivable": "2,685,269",
"Occupancy": "10,131",
"Operating Expenses": "0",
"Other Assets": "758,399",
"Other Compr. Net Income": "1,400",
"Other Expenses": "30,662",
"Other Liabilities": "266,884",
"Other Net Income": "119,729",
"Other Revenues": "1,100",
"Professional Fees": "1,922",
"Securities": "0",
"Selling and Marketing Expense": "2,000"
},
"output_variables": {
"Assets": "3,443,668",
"Liabilities": "3,047,580",
"Expenses": "96,045",
"Revenues": "1,100",
"Stockholders Equity": "396,088",
"Net Income": "24,784",
"Comprehensive Net Income": "26,184",
"BaseVar": "3,354,761",
"ECR before LimitedLiability": "6.9%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 1.0,
"value": 0.14519823278881772,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001436425.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001436425.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001436425.svg"
},
{
"company_id": "0001530249",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001530249.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001530249.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001530249.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001530249_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001530249_main_keyfigs.svg",
"name": "FS Bancorp Inc",
"rank": 31,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001530249.svg",
"report_text": "The relative strengths and weaknesses of FS Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of FS Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 9.0% points.The greatest weakness of FS Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 19% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.1% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001530249_2025_FS_Bancorp_Inc.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "1.04",
"Liabilities": "-3.30",
"Stockholders Equity": "-2.03",
"ECR before LimitedLiability": "-1.61",
"Other Assets": "13.5",
"Notes Receivable": "-1.41",
"Loans": "-13.7",
"Deposits": "-16.5",
"Other Liabilities": "5.80",
"Debt": "3.81",
"Expenses": "5.27",
"Revenues": "-3.71",
"Net Income": "1.19",
"Selling and Marketing Expense": "1.02",
"General and Administrative Expense": "1.13",
"Labor and Related Expense": "0.600",
"Other Expenses": "-1.37",
"Operating Expenses": "3.15",
"Other Revenues": "-3.71",
"Comprehensive Net Income": "1.22",
"Economic Capital Ratio": "-2.88"
},
"2017": {
"Notes Receivable": "-1.23",
"Assets": "0.849",
"Liabilities": "-2.16",
"Stockholders Equity": "-1.10",
"Economic Capital Ratio": "-1.08",
"Securities": "-0.532",
"Cash and Cash Equivalents": "-1.46",
"Other Assets": "15.2",
"Loans": "-14.3",
"Other Liabilities": "7.06",
"Debt": "3.11",
"Deposits": "-15.6",
"Expenses": "3.48",
"Revenues": "-2.73",
"Net Income": "1.10",
"Selling and Marketing Expense": "0.498",
"Operating Expenses": "1.96",
"Labor and Related Expense": "0.559",
"Other Revenues": "-2.73",
"Comprehensive Net Income": "1.14",
"Other Net Income": "0.744"
},
"2018": {
"Other Assets": "14.7",
"Assets": "-0.675",
"Liabilities": "-1.64",
"Stockholders Equity": "-2.19",
"ECR before LimitedLiability": "-1.68",
"Notes Receivable": "-1.15",
"Cash and Cash Equivalents": "-1.24",
"Loans": "-15.7",
"Deposits": "-9.47",
"Other Liabilities": "5.10",
"Debt": "2.84",
"Expenses": "1.16",
"Revenues": "-2.20",
"Net Income": "0.896",
"Labor and Related Expense": "-0.870",
"Other Expenses": "0.490",
"Operating Expenses": "1.27",
"Other Revenues": "-2.20",
"Comprehensive Net Income": "0.946",
"Other Net Income": "2.15",
"Economic Capital Ratio": "-1.95"
},
"2019": {
"Other Assets": "-4.61",
"Assets": "-0.576",
"Liabilities": "-0.920",
"Stockholders Equity": "-1.45",
"ECR before LimitedLiability": "-1.23",
"Cash and Cash Equivalents": "-0.422",
"Notes Receivable": "15.1",
"Loans": "-15.1",
"Securities": "-0.456",
"Deposits": "-12.2",
"Debt": "4.27",
"Other Liabilities": "6.70",
"Other Revenues": "-2.06",
"Revenues": "-2.06",
"Net Income": "0.445",
"General and Administrative Expense": "0.367",
"Comprehensive Net Income": "0.474",
"Operating Expenses": "0.617",
"Labor and Related Expense": "-0.967",
"Other Net Income": "2.58",
"Economic Capital Ratio": "-1.42"
},
"2020": {
"Notes Receivable": "14.5",
"Assets": "-0.599",
"Liabilities": "-1.93",
"Stockholders Equity": "-2.36",
"ECR before LimitedLiability": "-2.30",
"Other Assets": "-4.77",
"Loans": "-11.6",
"Cash and Cash Equivalents": "-0.498",
"Other Liabilities": "6.74",
"Deposits": "-13.0",
"Debt": "3.43",
"Expenses": "1.22",
"Revenues": "-2.93",
"Net Income": "0.698",
"General and Administrative Expense": "0.487",
"Operating Expenses": "1.12",
"Labor and Related Expense": "-0.629",
"Other Revenues": "-2.93",
"Comprehensive Net Income": "0.790",
"Other Net Income": "2.76",
"Economic Capital Ratio": "-2.64"
},
"2021": {
"Securities": "-0.334",
"Assets": "-0.346",
"Liabilities": "-2.07",
"Stockholders Equity": "-2.23",
"ECR before LimitedLiability": "-3.44",
"Loans": "-10.5",
"Other Assets": "-4.68",
"Notes Receivable": "14.1",
"Cash and Cash Equivalents": "-1.88",
"Other Liabilities": "6.43",
"Deposits": "-14.1",
"Debt": "3.49",
"Expenses": "1.24",
"Revenues": "-3.43",
"Net Income": "-0.275",
"Operating Expenses": "1.02",
"Labor and Related Expense": "-0.745",
"General and Administrative Expense": "0.663",
"Other Revenues": "-3.43",
"Other Net Income": "2.30",
"Economic Capital Ratio": "-3.88"
},
"2022": {
"Deposits": "-13.6",
"Liabilities": "-2.70",
"Loans": "-9.86",
"Stockholders Equity": "-2.66",
"Other Liabilities": "4.46",
"Debt": "4.34",
"Expenses": "2.19",
"Net Income": "0.567",
"General and Administrative Expense": "0.729",
"Selling and Marketing Expense": "0.381",
"Operating Expenses": "1.51",
"Other Revenues": "-3.08",
"Revenues": "-3.08",
"ECR before LimitedLiability": "-2.53",
"Comprehensive Net Income": "0.444",
"Other Assets": "-6.73",
"Cash and Cash Equivalents": "-0.848",
"Securities": "-0.357",
"Notes Receivable": "12.3",
"Other Net Income": "1.86",
"Economic Capital Ratio": "-3.00"
},
"2023": {
"Assets": "2.43",
"Liabilities": "-4.23",
"Stockholders Equity": "-1.70",
"ECR before LimitedLiability": "0.700",
"Notes Receivable": "8.53",
"Loans": "-1.97",
"Other Assets": "-6.20",
"Cash and Cash Equivalents": "-1.02",
"Other Liabilities": "5.66",
"Deposits": "-20.4",
"Debt": "4.25",
"Expenses": "5.46",
"Revenues": "-4.53",
"Net Income": "1.95",
"Labor and Related Expense": "1.14",
"Operating Expenses": "3.26",
"Selling and Marketing Expense": "1.10",
"General and Administrative Expense": "1.34",
"Other Revenues": "-4.53",
"Comprehensive Net Income": "1.88",
"Economic Capital Ratio": "-1.20"
},
"2024": {
"Assets": "3.04",
"Liabilities": "-5.02",
"Stockholders Equity": "-1.87",
"Economic Capital Ratio": "-2.08",
"Other Assets": "-6.32",
"Notes Receivable": "8.99",
"Loans": "-1.05",
"Cash and Cash Equivalents": "-1.27",
"Debt": "4.37",
"Other Liabilities": "5.83",
"Deposits": "-19.0",
"Expenses": "6.12",
"Revenues": "-5.25",
"Net Income": "2.04",
"Labor and Related Expense": "1.17",
"General and Administrative Expense": "1.40",
"Operating Expenses": "3.87",
"Selling and Marketing Expense": "1.39",
"Other Revenues": "-5.25",
"Comprehensive Net Income": "2.27",
"Other Net Income": "-0.593"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001530249_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "36,456",
"Debt": "0",
"Deposits": "712,593",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "791,470",
"Other Compr. Net Income": "-614",
"Other Expenses": "5,604",
"Other Liabilities": "34,300",
"Other Net Income": "16,103",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "827,926",
"Liabilities": "746,893",
"Expenses": "5,604",
"Revenues": "0",
"Stockholders Equity": "81,033",
"Net Income": "10,499",
"Comprehensive Net Income": "9,885",
"BaseVar": "798,570",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "829,842",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "981,783",
"Other Compr. Net Income": "145",
"Other Expenses": "6,494",
"Other Liabilities": "29,939",
"Other Net Income": "20,579",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "981,783",
"Liabilities": "859,781",
"Expenses": "6,494",
"Revenues": "0",
"Stockholders Equity": "122,002",
"Net Income": "14,085",
"Comprehensive Net Income": "14,230",
"BaseVar": "934,391",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,274,219",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "28,538",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "3,042",
"Operating Expenses": "0",
"Other Assets": "1,621,644",
"Other Compr. Net Income": "-1,004",
"Other Expenses": "9,352",
"Other Liabilities": "167,387",
"Other Net Income": "73,762",
"Other Revenues": "3,646",
"Professional Fees": "4,673",
"Securities": "0",
"Selling and Marketing Expense": "7,456"
},
"output_variables": {
"Assets": "1,621,644",
"Liabilities": "1,441,606",
"Expenses": "53,061",
"Revenues": "3,646",
"Stockholders Equity": "180,038",
"Net Income": "24,347",
"Comprehensive Net Income": "23,343",
"BaseVar": "1,597,362",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "45,778",
"Debt": "0",
"Deposits": "1,392,408",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "33,816",
"Loans": "0",
"Notes Receivable": "1,336,346",
"Occupancy": "4,640",
"Operating Expenses": "0",
"Other Assets": "330,932",
"Other Compr. Net Income": "2,267",
"Other Expenses": "13,226",
"Other Liabilities": "120,406",
"Other Net Income": "83,037",
"Other Revenues": "7,426",
"Professional Fees": "5,664",
"Securities": "0",
"Selling and Marketing Expense": "10,400"
},
"output_variables": {
"Assets": "1,713,056",
"Liabilities": "1,512,814",
"Expenses": "67,746",
"Revenues": "7,426",
"Stockholders Equity": "200,242",
"Net Income": "22,717",
"Comprehensive Net Income": "24,984",
"BaseVar": "1,693,173",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "91,576",
"Debt": "0",
"Deposits": "1,674,071",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "38,095",
"Loans": "0",
"Notes Receivable": "1,544,981",
"Occupancy": "4,736",
"Operating Expenses": "0",
"Other Assets": "476,684",
"Other Compr. Net Income": "1,745",
"Other Expenses": "18,484",
"Other Liabilities": "209,163",
"Other Net Income": "113,200",
"Other Revenues": "3,243",
"Professional Fees": "4,863",
"Securities": "0",
"Selling and Marketing Expense": "11,001"
},
"output_variables": {
"Assets": "2,113,241",
"Liabilities": "1,883,234",
"Expenses": "77,179",
"Revenues": "3,243",
"Stockholders Equity": "230,007",
"Net Income": "39,264",
"Comprehensive Net Income": "41,009",
"BaseVar": "2,095,921",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "26,491",
"Debt": "0",
"Deposits": "1,915,744",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "49,721",
"Loans": "0",
"Notes Receivable": "1,728,540",
"Occupancy": "4,892",
"Operating Expenses": "0",
"Other Assets": "531,360",
"Other Compr. Net Income": "-2,281",
"Other Expenses": "14,236",
"Other Liabilities": "123,140",
"Other Net Income": "118,447",
"Other Revenues": "5,215",
"Professional Fees": "5,976",
"Securities": "0",
"Selling and Marketing Expense": "11,425"
},
"output_variables": {
"Assets": "2,286,391",
"Liabilities": "2,038,884",
"Expenses": "86,250",
"Revenues": "5,215",
"Stockholders Equity": "247,507",
"Net Income": "37,412",
"Comprehensive Net Income": "35,131",
"BaseVar": "2,268,734",
"ECR before LimitedLiability": "7.3%",
"Economic Capital Ratio": "15%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "41,437",
"Debt": "0",
"Deposits": "2,127,741",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "47,632",
"Loans": "0",
"Notes Receivable": "2,190,860",
"Occupancy": "5,165",
"Operating Expenses": "0",
"Other Assets": "400,601",
"Other Compr. Net Income": "-25,884",
"Other Expenses": "16,213",
"Other Liabilities": "273,460",
"Other Net Income": "106,770",
"Other Revenues": "9,401",
"Professional Fees": "5,872",
"Securities": "0",
"Selling and Marketing Expense": "11,640"
},
"output_variables": {
"Assets": "2,632,898",
"Liabilities": "2,401,201",
"Expenses": "86,522",
"Revenues": "9,401",
"Stockholders Equity": "231,697",
"Net Income": "29,649",
"Comprehensive Net Income": "3,765",
"BaseVar": "2,631,338",
"ECR before LimitedLiability": "4.8%",
"Economic Capital Ratio": "13%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "65,691",
"Debt": "0",
"Deposits": "2,522,323",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "2,401,481",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "505,497",
"Other Compr. Net Income": "2,326",
"Other Expenses": "9,219",
"Other Liabilities": "185,858",
"Other Net Income": "45,272",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,972,669",
"Liabilities": "2,708,181",
"Expenses": "9,219",
"Revenues": "0",
"Stockholders Equity": "264,488",
"Net Income": "36,053",
"Comprehensive Net Income": "38,379",
"BaseVar": "2,868,834",
"ECR before LimitedLiability": "6.0%",
"Economic Capital Ratio": "14%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "31,635",
"Debt": "0",
"Deposits": "2,339,418",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "2,501,951",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "495,591",
"Other Compr. Net Income": "6,166",
"Other Expenses": "6,557",
"Other Liabilities": "393,992",
"Other Net Income": "41,581",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,029,177",
"Liabilities": "2,733,410",
"Expenses": "6,557",
"Revenues": "0",
"Stockholders Equity": "295,767",
"Net Income": "35,024",
"Comprehensive Net Income": "41,190",
"BaseVar": "2,908,446",
"ECR before LimitedLiability": "6.6%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 15.0,
"value": 0.14252665261860042,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001530249.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001530249.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001530249.svg"
},
{
"company_id": "0001258602",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001258602.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001258602.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001258602.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001258602_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001258602_main_keyfigs.svg",
"name": "Nelnet INC",
"rank": 32,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001258602.svg",
"report_text": "The relative strengths and weaknesses of Nelnet INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Nelnet INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.3% points.The greatest weakness of Nelnet INC is the variable Debt, reducing the Economic Capital Ratio by 36% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.3% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001258602_2025_Nelnet_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Liabilities": "-3.43",
"Stockholders Equity": "-3.07",
"ECR before LimitedLiability": "-2.77",
"Deposits": "8.81",
"Other Liabilities": "-51.8",
"Debt": "4.03",
"Expenses": "4.12",
"Net Income": "0.962",
"Selling and Marketing Expense": "1.09",
"General and Administrative Expense": "1.21",
"Other Expenses": "-0.447",
"Operating Expenses": "1.82",
"Other Revenues": "-2.61",
"Revenues": "-2.61",
"Cash and Cash Equivalents": "-1.60",
"Securities": "-0.568",
"Other Assets": "-9.09",
"Notes Receivable": "13.0",
"Loans": "-14.2",
"Comprehensive Net Income": "1.06",
"Economic Capital Ratio": "-4.04"
},
"2017": {
"Other Liabilities": "-50.4",
"Liabilities": "-2.58",
"Stockholders Equity": "-2.68",
"ECR before LimitedLiability": "-2.44",
"Debt": "3.40",
"Deposits": "9.30",
"Expenses": "2.30",
"Net Income": "0.523",
"Selling and Marketing Expense": "0.555",
"Other Expenses": "1.05",
"Labor and Related Expense": "-0.445",
"General and Administrative Expense": "0.503",
"Other Revenues": "-1.61",
"Revenues": "-1.61",
"Notes Receivable": "13.4",
"Securities": "-0.608",
"Cash and Cash Equivalents": "-1.56",
"Other Assets": "-8.44",
"Loans": "-14.8",
"Comprehensive Net Income": "0.596",
"Economic Capital Ratio": "-3.14"
},
"2018": {
"Liabilities": "-3.00",
"Stockholders Equity": "-3.28",
"Deposits": "7.87",
"Other Liabilities": "-50.1",
"Debt": "2.68",
"Expenses": "1.30",
"Net Income": "-2.06",
"Labor and Related Expense": "0.612",
"Other Expenses": "0.608",
"Selling and Marketing Expense": "0.630",
"Operating Expenses": "-1.14",
"Other Revenues": "-2.54",
"Revenues": "-2.54",
"Other Assets": "-8.16",
"ECR before LimitedLiability": "-5.44",
"Notes Receivable": "11.1",
"Cash and Cash Equivalents": "-1.30",
"Loans": "-16.4",
"Comprehensive Net Income": "-1.95",
"Other Net Income": "-0.714",
"Economic Capital Ratio": "-5.71"
},
"2019": {
"Liabilities": "-2.42",
"Stockholders Equity": "-2.35",
"Deposits": "7.36",
"Debt": "2.40",
"Other Liabilities": "-49.2",
"Other Revenues": "-2.56",
"Revenues": "-2.56",
"Net Income": "-3.14",
"Other Assets": "-7.55",
"Comprehensive Net Income": "-3.22",
"ECR before LimitedLiability": "-5.64",
"Cash and Cash Equivalents": "-1.44",
"Notes Receivable": "10.8",
"Loans": "-15.9",
"Securities": "-0.574",
"General and Administrative Expense": "0.439",
"Operating Expenses": "-2.24",
"Selling and Marketing Expense": "0.840",
"Labor and Related Expense": "0.697",
"Other Net Income": "-0.930",
"Economic Capital Ratio": "-5.83"
},
"2020": {
"Other Liabilities": "-44.4",
"Liabilities": "-2.38",
"Stockholders Equity": "-2.28",
"Deposits": "8.05",
"Debt": "3.73",
"Expenses": "0.569",
"Revenues": "-3.18",
"Net Income": "-2.56",
"General and Administrative Expense": "0.553",
"Selling and Marketing Expense": "0.712",
"Operating Expenses": "-1.81",
"Labor and Related Expense": "0.904",
"Other Revenues": "-3.18",
"Comprehensive Net Income": "-2.52",
"ECR before LimitedLiability": "-5.30",
"Notes Receivable": "12.2",
"Other Assets": "-8.65",
"Loans": "-12.2",
"Cash and Cash Equivalents": "-2.06",
"Securities": "-0.415",
"Economic Capital Ratio": "-5.64"
},
"2021": {
"Assets": "0.708",
"Liabilities": "-1.93",
"Stockholders Equity": "-1.12",
"ECR before LimitedLiability": "-5.14",
"Loans": "-10.8",
"Other Assets": "-7.18",
"Notes Receivable": "13.1",
"Cash and Cash Equivalents": "-2.24",
"Other Liabilities": "5.02",
"Deposits": "8.86",
"Debt": "-60.8",
"Other Revenues": "-3.77",
"Revenues": "-3.77",
"Net Income": "-3.22",
"Selling and Marketing Expense": "0.700",
"Comprehensive Net Income": "-3.05",
"Other Expenses": "2.01",
"Operating Expenses": "-1.80",
"Labor and Related Expense": "-0.980",
"General and Administrative Expense": "0.710",
"Economic Capital Ratio": "-5.57"
},
"2022": {
"Loans": "-9.69",
"Assets": "1.46",
"Liabilities": "-0.727",
"Stockholders Equity": "0.786",
"ECR before LimitedLiability": "-1.85",
"Other Assets": "-4.83",
"Cash and Cash Equivalents": "-1.17",
"Notes Receivable": "12.7",
"Deposits": "8.48",
"Other Liabilities": "5.41",
"Debt": "-52.3",
"Other Revenues": "-3.26",
"Revenues": "-3.26",
"Net Income": "-2.81",
"Labor and Related Expense": "-1.44",
"Comprehensive Net Income": "-2.32",
"Other Net Income": "0.858",
"Other Expenses": "2.10",
"Selling and Marketing Expense": "0.753",
"Operating Expenses": "-2.24",
"Economic Capital Ratio": "-2.32"
},
"2023": {
"Assets": "3.87",
"Liabilities": "-0.659",
"Stockholders Equity": "3.15",
"Notes Receivable": "8.10",
"Loans": "-2.16",
"Other Assets": "-5.49",
"Cash and Cash Equivalents": "-1.58",
"Other Liabilities": "4.90",
"Deposits": "7.37",
"Debt": "-46.1",
"Expenses": "1.29",
"Revenues": "-4.86",
"Net Income": "-3.96",
"Labor and Related Expense": "-1.96",
"Other Expenses": "2.16",
"Operating Expenses": "-1.40",
"Selling and Marketing Expense": "1.20",
"General and Administrative Expense": "1.47",
"Other Revenues": "-4.86",
"Economic Capital Ratio": "-2.29",
"Comprehensive Net Income": "-3.83"
},
"2024": {
"Securities": "3.45",
"Assets": "4.56",
"Other Liabilities": "6.05",
"Stockholders Equity": "4.83",
"Economic Capital Ratio": "-2.27",
"Other Assets": "-6.19",
"Notes Receivable": "7.31",
"Loans": "-1.11",
"Cash and Cash Equivalents": "-1.20",
"Expenses": "1.19",
"Revenues": "-5.55",
"Net Income": "-4.40",
"Labor and Related Expense": "1.24",
"Other Expenses": "-1.43",
"General and Administrative Expense": "1.49",
"Operating Expenses": "-1.83",
"Selling and Marketing Expense": "1.48",
"Other Revenues": "-5.55",
"Debt": "-35.6",
"Deposits": "7.11",
"Comprehensive Net Income": "-4.20"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001258602_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "69,654",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "33,933",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "45,677",
"Labor and Related Expense": "255,924",
"Loans": "0",
"Notes Receivable": "24,903,724",
"Occupancy": "0",
"Operating Expenses": "441,515",
"Other Assets": "2,206,730",
"Other Compr. Net Income": "1,696",
"Other Expenses": "-148,544",
"Other Liabilities": "25,063,506",
"Other Net Income": "359,063",
"Other Revenues": "481,266",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "27,180,108",
"Liabilities": "25,109,183",
"Expenses": "582,828",
"Revenues": "481,266",
"Stockholders Equity": "2,070,925",
"Net Income": "257,501",
"Comprehensive Net Income": "259,197",
"BaseVar": "26,857,072",
"ECR before LimitedLiability": "5.0%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "66,752",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "39,541",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "50,039",
"Labor and Related Expense": "301,885",
"Loans": "0",
"Notes Receivable": "21,814,507",
"Occupancy": "0",
"Operating Expenses": "495,729",
"Other Assets": "2,083,176",
"Other Compr. Net Income": "11,232",
"Other Expenses": "-276,563",
"Other Liabilities": "21,749,009",
"Other Net Income": "290,788",
"Other Revenues": "431,625",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "23,964,435",
"Liabilities": "21,799,048",
"Expenses": "560,592",
"Revenues": "431,625",
"Stockholders Equity": "2,165,387",
"Net Income": "161,821",
"Comprehensive Net Income": "173,053",
"BaseVar": "23,528,860",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "121,347",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "61,679",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "22,377,142",
"Occupancy": "0",
"Operating Expenses": "701,106",
"Other Assets": "2,722,479",
"Other Compr. Net Income": "398",
"Other Expenses": "135,262",
"Other Liabilities": "22,844,510",
"Other Net Income": "302,804",
"Other Revenues": "54,446",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "25,220,968",
"Liabilities": "22,906,189",
"Expenses": "836,368",
"Revenues": "54,446",
"Stockholders Equity": "2,314,779",
"Net Income": "-479,118",
"Comprehensive Net Income": "-478,720",
"BaseVar": "24,660,586",
"ECR before LimitedLiability": "2.8%",
"Economic Capital Ratio": "11%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "133,906",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "47,285",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "20,669,371",
"Occupancy": "0",
"Operating Expenses": "762,824",
"Other Assets": "2,905,693",
"Other Compr. Net Income": "-402",
"Other Expenses": "137,477",
"Other Liabilities": "21,270,591",
"Other Net Income": "179,561",
"Other Revenues": "65,179",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "23,708,970",
"Liabilities": "21,317,876",
"Expenses": "900,301",
"Revenues": "65,179",
"Stockholders Equity": "2,391,094",
"Net Income": "-655,561",
"Comprehensive Net Income": "-655,963",
"BaseVar": "23,086,144",
"ECR before LimitedLiability": "2.4%",
"Economic Capital Ratio": "11%"
}
},
"2020": {
"input_variables": {
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"Debt": "0",
"Deposits": "54,633",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "28,701",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "20,185,656",
"Occupancy": "0",
"Operating Expenses": "781,105",
"Other Assets": "2,339,255",
"Other Compr. Net Income": "5,947",
"Other Expenses": "230,601",
"Other Liabilities": "19,934,477",
"Other Net Income": "493,371",
"Other Revenues": "57,561",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "22,646,160",
"Liabilities": "20,017,811",
"Expenses": "1,011,706",
"Revenues": "57,561",
"Stockholders Equity": "2,628,349",
"Net Income": "-460,774",
"Comprehensive Net Income": "-454,827",
"BaseVar": "22,116,278",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "12%"
}
},
"2021": {
"input_variables": {
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"Debt": "17,631,089",
"Deposits": "344,315",
"Depreciation and Amortization": "73,741",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "4,566",
"Labor and Related Expense": "507,132",
"Loans": "0",
"Notes Receivable": "18,335,197",
"Occupancy": "0",
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"Other Assets": "3,217,281",
"Other Compr. Net Income": "10,205",
"Other Expenses": "-340,031",
"Other Liabilities": "745,233",
"Other Net Income": "528,870",
"Other Revenues": "0",
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},
"output_variables": {
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"Expenses": "967,184",
"Revenues": "0",
"Stockholders Equity": "2,952,838",
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"Comprehensive Net Income": "-428,109",
"BaseVar": "20,954,752",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
},
"2022": {
"input_variables": {
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"Debt": "14,637,195",
"Deposits": "691,322",
"Depreciation and Amortization": "74,077",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "36,049",
"Labor and Related Expense": "589,579",
"Loans": "0",
"Notes Receivable": "15,243,889",
"Occupancy": "0",
"Operating Expenses": "834,434",
"Other Assets": "4,012,009",
"Other Compr. Net Income": "-35,564",
"Other Expenses": "-366,535",
"Other Liabilities": "809,576",
"Other Net Income": "559,251",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Expenses": "1,131,555",
"Revenues": "0",
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"Comprehensive Net Income": "-607,868",
"BaseVar": "18,637,278",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "13%"
}
},
"2023": {
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"Debt": "11,828,393",
"Deposits": "743,599",
"Depreciation and Amortization": "79,118",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "35,391",
"Labor and Related Expense": "591,537",
"Loans": "0",
"Notes Receivable": "13,108,204",
"Occupancy": "0",
"Operating Expenses": "860,506",
"Other Assets": "3,460,329",
"Other Compr. Net Income": "54,344",
"Other Expenses": "-399,218",
"Other Liabilities": "907,347",
"Other Net Income": "173,444",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "13,514,730",
"Expenses": "1,131,943",
"Revenues": "0",
"Stockholders Equity": "3,221,915",
"Net Income": "-958,499",
"Comprehensive Net Income": "-904,155",
"BaseVar": "15,805,553",
"ECR before LimitedLiability": "4.7%",
"Economic Capital Ratio": "13%"
}
},
"2024": {
"input_variables": {
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"Debt": "8,309,797",
"Deposits": "1,186,131",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "21,046",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "9,992,744",
"Occupancy": "0",
"Operating Expenses": "879,796",
"Other Assets": "2,430,171",
"Other Compr. Net Income": "29,719",
"Other Expenses": "347,623",
"Other Liabilities": "961,662",
"Other Net Income": "314,472",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "1,160,320",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "13,777,753",
"Liabilities": "10,478,636",
"Expenses": "1,227,419",
"Revenues": "0",
"Stockholders Equity": "3,299,117",
"Net Income": "-912,947",
"Comprehensive Net Income": "-883,228",
"BaseVar": "12,914,000",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 26.0,
"value": 0.14062940807993457,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001258602.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001258602.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001258602.svg"
},
{
"company_id": "0001490906",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001490906.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001490906.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001490906.svg",
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"name": "Capitol Federal Financial Inc",
"rank": 33,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001490906.svg",
"report_text": "The relative strengths and weaknesses of Capitol Federal Financial Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Capitol Federal Financial Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 9.0% points.The greatest weakness of Capitol Federal Financial Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 20% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.3% points below the market average of 16%.",
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"Other Liabilities": "8,388,973",
"Other Net Income": "196,285",
"Other Revenues": "16,500",
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"Other Net Income": "-41,253",
"Other Revenues": "17,600",
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},
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{
"company_id": "0001367859",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001367859.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001367859.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001367859.svg",
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"name": "Citizens Community Bancorp Inc",
"rank": 34,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001367859.svg",
"report_text": "The relative strengths and weaknesses of Citizens Community Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Citizens Community Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.7% points.The greatest weakness of Citizens Community Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 26% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.3% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001367859_2025_Citizens_Community_Bancorp_Inc.pdf",
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},
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"Assets": "975,409",
"Liabilities": "839,562",
"Expenses": "2,326",
"Revenues": "0",
"Stockholders Equity": "135,847",
"Net Income": "4,283",
"Comprehensive Net Income": "1,981",
"BaseVar": "913,104",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "55,840",
"Debt": "0",
"Deposits": "1,195,702",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "20,325",
"Loans": "0",
"Notes Receivable": "1,167,060",
"Occupancy": "3,697",
"Operating Expenses": "0",
"Other Assets": "308,349",
"Other Compr. Net Income": "-1,399",
"Other Expenses": "16,207",
"Other Liabilities": "184,994",
"Other Net Income": "39,988",
"Other Revenues": "14,975",
"Professional Fees": "2,457",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,531,249",
"Liabilities": "1,380,696",
"Expenses": "42,686",
"Revenues": "14,975",
"Stockholders Equity": "150,553",
"Net Income": "12,277",
"Comprehensive Net Income": "10,878",
"BaseVar": "1,505,496",
"ECR before LimitedLiability": "5.9%",
"Economic Capital Ratio": "14%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "119,440",
"Debt": "0",
"Deposits": "1,295,256",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,220,538",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "309,117",
"Other Compr. Net Income": "1,961",
"Other Expenses": "4,555",
"Other Liabilities": "193,275",
"Other Net Income": "17,280",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,649,095",
"Liabilities": "1,488,531",
"Expenses": "4,555",
"Revenues": "0",
"Stockholders Equity": "160,564",
"Net Income": "12,725",
"Comprehensive Net Income": "14,686",
"BaseVar": "1,580,711",
"ECR before LimitedLiability": "6.1%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "47,691",
"Debt": "0",
"Deposits": "1,387,535",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,294,050",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "397,887",
"Other Compr. Net Income": "-1,329",
"Other Expenses": "7,693",
"Other Liabilities": "181,227",
"Other Net Income": "28,959",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,739,628",
"Liabilities": "1,568,762",
"Expenses": "7,693",
"Revenues": "0",
"Stockholders Equity": "170,866",
"Net Income": "21,266",
"Comprehensive Net Income": "19,937",
"BaseVar": "1,673,186",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "35,363",
"Debt": "0",
"Deposits": "1,424,720",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,393,845",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "387,178",
"Other Compr. Net Income": "-17,817",
"Other Expenses": "5,820",
"Other Liabilities": "224,578",
"Other Net Income": "23,581",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,816,386",
"Liabilities": "1,649,298",
"Expenses": "5,820",
"Revenues": "0",
"Stockholders Equity": "167,088",
"Net Income": "17,761",
"Comprehensive Net Income": "-56",
"BaseVar": "1,756,451",
"ECR before LimitedLiability": "4.8%",
"Economic Capital Ratio": "13%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "37,138",
"Debt": "0",
"Deposits": "1,519,092",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,437,884",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "376,369",
"Other Compr. Net Income": "328",
"Other Expenses": "5,873",
"Other Liabilities": "158,965",
"Other Net Income": "18,932",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,851,391",
"Liabilities": "1,678,057",
"Expenses": "5,873",
"Revenues": "0",
"Stockholders Equity": "173,334",
"Net Income": "13,059",
"Comprehensive Net Income": "13,387",
"BaseVar": "1,777,290",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "50,172",
"Debt": "0",
"Deposits": "1,488,148",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,348,432",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "349,915",
"Other Compr. Net Income": "908",
"Other Expenses": "3,699",
"Other Liabilities": "81,287",
"Other Net Income": "17,450",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,748,519",
"Liabilities": "1,569,435",
"Expenses": "3,699",
"Revenues": "0",
"Stockholders Equity": "179,084",
"Net Income": "13,751",
"Comprehensive Net Income": "14,659",
"BaseVar": "1,670,006",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 16.0,
"value": 0.14033539323535665,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001367859.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001367859.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001367859.svg"
},
{
"company_id": "0001178970",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001178970.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001178970.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001178970.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001178970_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001178970_main_keyfigs.svg",
"name": "Provident Financial Services INC",
"rank": 35,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001178970.svg",
"report_text": "The relative strengths and weaknesses of Provident Financial Services INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Provident Financial Services INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.8% points.The greatest weakness of Provident Financial Services INC is the variable Deposits, reducing the Economic Capital Ratio by 20% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.3% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001178970_2025_Provident_Financial_Services_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-0.983",
"Assets": "1.08",
"Liabilities": "-1.94",
"Stockholders Equity": "-0.680",
"Economic Capital Ratio": "-1.64",
"Other Assets": "-3.85",
"Notes Receivable": "-1.33",
"Loans": "7.33",
"Deposits": "-7.28",
"Other Liabilities": "1.70",
"Debt": "3.70",
"Expenses": "3.82",
"Revenues": "-3.20",
"Net Income": "1.18",
"Selling and Marketing Expense": "0.945",
"General and Administrative Expense": "1.08",
"Other Expenses": "-1.20",
"Operating Expenses": "3.01",
"Other Revenues": "-3.20",
"Comprehensive Net Income": "0.939",
"Other Net Income": "1.06"
},
"2017": {
"Notes Receivable": "-1.23",
"Assets": "1.18",
"Liabilities": "-2.14",
"Stockholders Equity": "-0.770",
"ECR before LimitedLiability": "-0.462",
"Securities": "-0.533",
"Cash and Cash Equivalents": "-0.813",
"Other Assets": "-3.56",
"Loans": "7.20",
"Other Liabilities": "1.43",
"Debt": "3.10",
"Deposits": "-6.61",
"Expenses": "3.65",
"Revenues": "-2.73",
"Net Income": "0.717",
"Selling and Marketing Expense": "0.498",
"Operating Expenses": "1.96",
"Labor and Related Expense": "0.559",
"Other Revenues": "-2.73",
"Comprehensive Net Income": "0.723",
"Economic Capital Ratio": "-1.17"
},
"2018": {
"Other Assets": "-2.89",
"Assets": "1.06",
"Liabilities": "-2.08",
"Stockholders Equity": "-0.801",
"ECR before LimitedLiability": "-0.674",
"Notes Receivable": "-1.06",
"Cash and Cash Equivalents": "-0.647",
"Loans": "7.46",
"Deposits": "-6.85",
"Other Liabilities": "2.05",
"Debt": "2.65",
"Expenses": "3.53",
"Revenues": "-2.21",
"Net Income": "0.657",
"Labor and Related Expense": "0.484",
"Other Expenses": "0.682",
"Selling and Marketing Expense": "0.498",
"Operating Expenses": "1.17",
"Other Revenues": "-2.21",
"Comprehensive Net Income": "0.711",
"Economic Capital Ratio": "-0.944"
},
"2019": {
"Other Assets": "-2.32",
"Assets": "0.579",
"Economic Capital Ratio": "-0.385",
"Cash and Cash Equivalents": "-1.25",
"Notes Receivable": "-1.97",
"Loans": "7.79",
"Securities": "-0.423",
"Liabilities": "-0.917",
"Deposits": "-8.61",
"Debt": "4.04",
"Other Liabilities": "3.39",
"General and Administrative Expense": "0.345",
"Expenses": "1.56",
"Net Income": "0.587",
"Operating Expenses": "0.579",
"Selling and Marketing Expense": "0.625",
"Labor and Related Expense": "-0.373",
"Other Revenues": "-1.79",
"Revenues": "-1.79",
"Comprehensive Net Income": "0.368",
"Other Net Income": "0.930"
},
"2020": {
"Notes Receivable": "-4.53",
"Assets": "1.24",
"Liabilities": "-2.96",
"Expenses": "4.10",
"Stockholders Equity": "-1.48",
"ECR before LimitedLiability": "-2.45",
"Other Assets": "-3.69",
"Loans": "9.51",
"Cash and Cash Equivalents": "-1.88",
"Other Liabilities": "5.79",
"Deposits": "-12.7",
"Debt": "3.31",
"General and Administrative Expense": "0.470",
"Selling and Marketing Expense": "0.605",
"Operating Expenses": "1.08",
"Labor and Related Expense": "0.767",
"Other Expenses": "0.439",
"Other Revenues": "-2.94",
"Revenues": "-2.94",
"Economic Capital Ratio": "-2.79",
"Other Net Income": "-0.759"
},
"2021": {
"Assets": "1.32",
"Liabilities": "-2.97",
"Stockholders Equity": "-1.40",
"ECR before LimitedLiability": "-3.12",
"Loans": "-10.1",
"Other Assets": "-1.84",
"Notes Receivable": "13.6",
"Cash and Cash Equivalents": "-2.14",
"Other Liabilities": "6.71",
"Deposits": "-14.4",
"Debt": "3.32",
"Selling and Marketing Expense": "0.621",
"Expenses": "4.02",
"Revenues": "-3.43",
"Net Income": "-0.532",
"Operating Expenses": "0.964",
"Labor and Related Expense": "0.950",
"General and Administrative Expense": "0.629",
"Other Revenues": "-3.43",
"Other Net Income": "-0.545",
"Economic Capital Ratio": "-3.56"
},
"2022": {
"Loans": "-9.33",
"Assets": "1.49",
"Liabilities": "-2.90",
"Stockholders Equity": "-1.27",
"ECR before LimitedLiability": "-1.38",
"Other Assets": "-2.91",
"Cash and Cash Equivalents": "-1.32",
"Notes Receivable": "12.1",
"Deposits": "-12.8",
"Other Liabilities": "5.49",
"Debt": "4.14",
"Labor and Related Expense": "1.15",
"Expenses": "4.62",
"Revenues": "-3.12",
"Net Income": "0.689",
"General and Administrative Expense": "0.672",
"Selling and Marketing Expense": "0.715",
"Operating Expenses": "1.39",
"Other Revenues": "-3.12",
"Economic Capital Ratio": "-1.85",
"Other Compr. Net Income": "-0.362"
},
"2023": {
"Assets": "2.99",
"Liabilities": "-3.50",
"Stockholders Equity": "-0.417",
"ECR before LimitedLiability": "1.82",
"Notes Receivable": "8.20",
"Loans": "-1.85",
"Other Assets": "-3.87",
"Cash and Cash Equivalents": "-1.69",
"Other Liabilities": "4.60",
"Deposits": "-13.0",
"Debt": "4.07",
"Expenses": "6.49",
"Revenues": "-4.37",
"Net Income": "1.59",
"Labor and Related Expense": "1.08",
"Other Expenses": "-0.383",
"Operating Expenses": "3.08",
"Selling and Marketing Expense": "1.05",
"General and Administrative Expense": "1.27",
"Other Revenues": "-4.37",
"Comprehensive Net Income": "1.60",
"Economic Capital Ratio": "-0.0798"
},
"2024": {
"Assets": "3.59",
"Liabilities": "-4.98",
"Stockholders Equity": "-1.43",
"Economic Capital Ratio": "-2.32",
"Other Assets": "-4.60",
"Notes Receivable": "7.80",
"Loans": "-1.06",
"Cash and Cash Equivalents": "-1.64",
"Debt": "4.38",
"Other Liabilities": "5.64",
"Deposits": "-19.5",
"Expenses": "5.93",
"Revenues": "-5.27",
"Net Income": "1.46",
"Labor and Related Expense": "1.17",
"General and Administrative Expense": "1.41",
"Operating Expenses": "3.90",
"Selling and Marketing Expense": "1.40",
"Other Revenues": "-5.27",
"Comprehensive Net Income": "1.52",
"Other Net Income": "-1.18"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001178970_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "144,297",
"Debt": "0",
"Deposits": "6,553,629",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "106,141",
"Loans": "6,941,603",
"Notes Receivable": "0",
"Occupancy": "24,853",
"Operating Expenses": "0",
"Other Assets": "2,414,565",
"Other Compr. Net Income": "-37,831",
"Other Expenses": "49,099",
"Other Liabilities": "1,695,055",
"Other Net Income": "253,167",
"Other Revenues": "55,393",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "3,685"
},
"output_variables": {
"Assets": "9,500,465",
"Liabilities": "8,248,684",
"Expenses": "183,778",
"Revenues": "55,393",
"Stockholders Equity": "1,251,781",
"Net Income": "124,782",
"Comprehensive Net Income": "86,951",
"BaseVar": "9,139,659",
"ECR before LimitedLiability": "8.0%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "190,834",
"Debt": "0",
"Deposits": "6,714,166",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "7,265,523",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,388,917",
"Other Compr. Net Income": "-2,673",
"Other Expenses": "46,528",
"Other Liabilities": "1,832,447",
"Other Net Income": "140,477",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "9,845,274",
"Liabilities": "8,546,613",
"Expenses": "46,528",
"Revenues": "0",
"Stockholders Equity": "1,298,661",
"Net Income": "93,949",
"Comprehensive Net Income": "91,276",
"BaseVar": "9,290,782",
"ECR before LimitedLiability": "8.1%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "142,661",
"Debt": "0",
"Deposits": "6,830,122",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "7,195,026",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,388,082",
"Other Compr. Net Income": "-4,687",
"Other Expenses": "25,530",
"Other Liabilities": "1,536,667",
"Other Net Income": "143,917",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "9,725,769",
"Liabilities": "8,366,789",
"Expenses": "25,530",
"Revenues": "0",
"Stockholders Equity": "1,358,980",
"Net Income": "118,387",
"Comprehensive Net Income": "113,700",
"BaseVar": "9,133,346",
"ECR before LimitedLiability": "8.8%",
"Economic Capital Ratio": "16%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "7,102,609",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "116,849",
"Loans": "7,277,360",
"Notes Receivable": "0",
"Occupancy": "25,895",
"Operating Expenses": "0",
"Other Assets": "2,531,218",
"Other Compr. Net Income": "-18,298",
"Other Expenses": "54,720",
"Other Liabilities": "1,292,129",
"Other Net Income": "284,873",
"Other Revenues": "63,794",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "4,115"
},
"output_variables": {
"Assets": "9,808,578",
"Liabilities": "8,394,738",
"Expenses": "201,579",
"Revenues": "63,794",
"Stockholders Equity": "1,413,840",
"Net Income": "147,088",
"Comprehensive Net Income": "128,790",
"BaseVar": "9,385,930",
"ECR before LimitedLiability": "9.2%",
"Economic Capital Ratio": "16%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "9,837,829",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "9,721,424",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "3,198,317",
"Other Compr. Net Income": "13,834",
"Other Expenses": "30,603",
"Other Liabilities": "1,462,115",
"Other Net Income": "127,554",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "12,919,741",
"Liabilities": "11,299,944",
"Expenses": "30,603",
"Revenues": "0",
"Stockholders Equity": "1,619,797",
"Net Income": "96,951",
"Comprehensive Net Income": "110,785",
"BaseVar": "12,195,838",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "11,234,012",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "9,500,884",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "4,280,318",
"Other Compr. Net Income": "-10,792",
"Other Expenses": "59,197",
"Other Liabilities": "850,094",
"Other Net Income": "227,118",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "13,781,202",
"Liabilities": "12,084,106",
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The greatest strength of CNH Industrial Capital LLC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 8.3% points.The greatest weakness of CNH Industrial Capital LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 41% points.
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"report_text": "The relative strengths and weaknesses of First Capital INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of First Capital INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.6% points.The greatest weakness of First Capital INC is the variable Deposits, reducing the Economic Capital Ratio by 29% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.3% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001070296_2025_First_Capital_INC.pdf",
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"Assets": "1.31",
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"Comprehensive Net Income": "0.677",
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"Comprehensive Net Income": "0.854",
"Economic Capital Ratio": "-2.14"
},
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"Operating Expenses": "1.25",
"Other Revenues": "-2.33",
"Comprehensive Net Income": "0.591",
"Economic Capital Ratio": "-2.44"
},
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"Operating Expenses": "0.582",
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"Labor and Related Expense": "0.549",
"Other Revenues": "-2.26",
"Other Compr. Net Income": "0.458",
"Economic Capital Ratio": "-0.944"
},
"2020": {
"Other Liabilities": "6.79",
"Liabilities": "-2.46",
"Stockholders Equity": "-2.30",
"Notes Receivable": "-4.68",
"ECR before LimitedLiability": "-2.67",
"Deposits": "-19.9",
"Debt": "3.43",
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"Revenues": "-2.60",
"Comprehensive Net Income": "0.426",
"General and Administrative Expense": "0.487",
"Selling and Marketing Expense": "0.627",
"Operating Expenses": "1.12",
"Other Revenues": "-2.60",
"Other Assets": "6.14",
"Loans": "3.24",
"Cash and Cash Equivalents": "-1.95",
"Securities": "-0.355",
"Other Compr. Net Income": "0.394",
"Other Net Income": "0.656",
"Economic Capital Ratio": "-3.01"
},
"2021": {
"Other Liabilities": "5.61",
"Liabilities": "-2.95",
"Stockholders Equity": "-2.63",
"ECR before LimitedLiability": "-4.67",
"Deposits": "-18.0",
"Debt": "3.58",
"Selling and Marketing Expense": "0.681",
"Expenses": "2.59",
"Net Income": "-0.793",
"Operating Expenses": "1.06",
"General and Administrative Expense": "0.690",
"Other Revenues": "-3.25",
"Revenues": "-3.25",
"Securities": "-0.353",
"Loans": "2.09",
"Other Assets": "5.74",
"Notes Receivable": "-5.74",
"Cash and Cash Equivalents": "-2.37",
"Comprehensive Net Income": "-1.01",
"Other Net Income": "0.250",
"Economic Capital Ratio": "-5.11"
},
"2022": {
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"Assets": "-0.617",
"Liabilities": "-3.23",
"Stockholders Equity": "-3.63",
"Other Assets": "2.35",
"Cash and Cash Equivalents": "-1.69",
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"Deposits": "-20.1",
"Other Liabilities": "3.16",
"Debt": "1.69",
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"Revenues": "-3.22",
"Comprehensive Net Income": "-1.74",
"General and Administrative Expense": "0.828",
"Selling and Marketing Expense": "0.882",
"Operating Expenses": "1.50",
"Other Revenues": "-3.22",
"ECR before LimitedLiability": "-5.37",
"Other Compr. Net Income": "-2.24",
"Other Net Income": "0.739",
"Economic Capital Ratio": "-5.84"
},
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"Cash and Cash Equivalents": "-1.76",
"Other Liabilities": "6.63",
"Deposits": "-22.9",
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"Expenses": "5.50",
"Revenues": "-4.08",
"Net Income": "1.82",
"Other Expenses": "-0.856",
"Operating Expenses": "3.23",
"Selling and Marketing Expense": "1.09",
"General and Administrative Expense": "1.33",
"Other Revenues": "-4.08",
"Other Net Income": "1.34",
"Comprehensive Net Income": "2.57",
"Economic Capital Ratio": "-0.437"
},
"2024": {
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"Assets": "2.08",
"Liabilities": "-4.32",
"Stockholders Equity": "-2.06",
"Economic Capital Ratio": "-2.34",
"Other Assets": "4.03",
"Notes Receivable": "1.91",
"Loans": "-1.08",
"Cash and Cash Equivalents": "-1.69",
"Debt": "4.52",
"Other Liabilities": "6.59",
"Deposits": "-29.0",
"Expenses": "5.64",
"Revenues": "-4.96",
"Net Income": "1.97",
"General and Administrative Expense": "1.45",
"Operating Expenses": "4.02",
"Selling and Marketing Expense": "1.44",
"Other Revenues": "-4.96",
"Comprehensive Net Income": "2.09",
"Other Net Income": "0.629"
}
},
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"table_records": {
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"Debt": "0",
"Deposits": "664,650",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "133",
"Labor and Related Expense": "0",
"Loans": "381,154",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "362,504",
"Other Compr. Net Income": "-2,787",
"Other Expenses": "2,523",
"Other Liabilities": "3,033",
"Other Net Income": "9,400",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "743,658",
"Liabilities": "667,816",
"Expenses": "2,523",
"Revenues": "0",
"Stockholders Equity": "75,842",
"Net Income": "6,877",
"Comprehensive Net Income": "4,090",
"BaseVar": "713,092",
"ECR before LimitedLiability": "6.0%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
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"Debt": "0",
"Deposits": "664,562",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "107",
"Labor and Related Expense": "0",
"Loans": "409,618",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "349,338",
"Other Compr. Net Income": "556",
"Other Expenses": "3,103",
"Other Liabilities": "13,237",
"Other Net Income": "10,555",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
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},
"output_variables": {
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"Liabilities": "677,906",
"Expenses": "3,103",
"Revenues": "0",
"Stockholders Equity": "81,050",
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"Comprehensive Net Income": "8,008",
"BaseVar": "725,538",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
},
"2018": {
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"Debt": "0",
"Deposits": "701,646",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "150",
"Labor and Related Expense": "0",
"Loans": "434,260",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "359,902",
"Other Compr. Net Income": "-1,430",
"Other Expenses": "1,394",
"Other Liabilities": "6,410",
"Other Net Income": "10,660",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "708,206",
"Expenses": "1,394",
"Revenues": "0",
"Stockholders Equity": "85,956",
"Net Income": "9,266",
"Comprehensive Net Income": "7,836",
"BaseVar": "757,926",
"ECR before LimitedLiability": "6.8%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
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"Debt": "0",
"Deposits": "722,177",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "210",
"Labor and Related Expense": "0",
"Loans": "466,494",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "361,002",
"Other Compr. Net Income": "5,606",
"Other Expenses": "1,987",
"Other Liabilities": "6,161",
"Other Net Income": "12,325",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "827,496",
"Liabilities": "728,548",
"Expenses": "1,987",
"Revenues": "0",
"Stockholders Equity": "98,948",
"Net Income": "10,338",
"Comprehensive Net Income": "15,944",
"BaseVar": "787,981",
"ECR before LimitedLiability": "8.4%",
"Economic Capital Ratio": "16%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "900,461",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "153",
"Labor and Related Expense": "13,808",
"Loans": "500,331",
"Notes Receivable": "0",
"Occupancy": "1,775",
"Operating Expenses": "0",
"Other Assets": "517,220",
"Other Compr. Net Income": "4,667",
"Other Expenses": "8,464",
"Other Liabilities": "6,186",
"Other Net Income": "28,807",
"Other Revenues": "6,197",
"Professional Fees": "693",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,017,551",
"Liabilities": "906,800",
"Expenses": "24,740",
"Revenues": "6,197",
"Stockholders Equity": "110,751",
"Net Income": "10,264",
"Comprehensive Net Income": "14,931",
"BaseVar": "994,381",
"ECR before LimitedLiability": "7.3%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,035,562",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "97",
"Labor and Related Expense": "14,537",
"Loans": "483,287",
"Notes Receivable": "0",
"Occupancy": "1,770",
"Operating Expenses": "0",
"Other Assets": "673,316",
"Other Compr. Net Income": "-5,101",
"Other Expenses": "9,436",
"Other Liabilities": "7,004",
"Other Net Income": "31,424",
"Other Revenues": "6,896",
"Professional Fees": "1,028",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,156,603",
"Liabilities": "1,042,663",
"Expenses": "26,771",
"Revenues": "6,896",
"Stockholders Equity": "113,940",
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"Comprehensive Net Income": "6,448",
"BaseVar": "1,134,729",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "14%"
}
},
"2022": {
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"Debt": "0",
"Deposits": "1,060,396",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
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"Labor and Related Expense": "14,697",
"Loans": "0",
"Notes Receivable": "557,958",
"Occupancy": "1,839",
"Operating Expenses": "0",
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"Other Compr. Net Income": "-37,488",
"Other Expenses": "10,126",
"Other Liabilities": "5,611",
"Other Net Income": "31,815",
"Other Revenues": "7,608",
"Professional Fees": "746",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,066,130",
"Expenses": "27,408",
"Revenues": "7,608",
"Stockholders Equity": "85,270",
"Net Income": "12,015",
"Comprehensive Net Income": "-25,473",
"BaseVar": "1,160,924",
"ECR before LimitedLiability": "1.5%",
"Economic Capital Ratio": "10.0%"
}
},
"2023": {
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"Debt": "0",
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"Depreciation and Amortization": "0",
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"Loans": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "11,695",
"Other Expenses": "10,819",
"Other Liabilities": "26,115",
"Other Net Income": "33,701",
"Other Revenues": "7,498",
"Professional Fees": "693",
"Securities": "0",
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},
"output_variables": {
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"Liabilities": "1,052,535",
"Expenses": "28,276",
"Revenues": "7,498",
"Stockholders Equity": "105,345",
"Net Income": "12,923",
"Comprehensive Net Income": "24,618",
"BaseVar": "1,145,792",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2024": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,066,439",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
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"Other Assets": "556,324",
"Other Compr. Net Income": "1,030",
"Other Expenses": "11,231",
"Other Liabilities": "4,451",
"Other Net Income": "34,553",
"Other Revenues": "7,573",
"Professional Fees": "1,356",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,072,812",
"Expenses": "30,044",
"Revenues": "7,573",
"Stockholders Equity": "114,711",
"Net Income": "12,082",
"Comprehensive Net Income": "13,112",
"BaseVar": "1,166,768",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": -5.0,
"value": 0.1399754150279731,
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"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001070296.svg"
},
{
"company_id": "0001303942",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001303942.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001303942.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001303942.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001303942_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001303942_main_keyfigs.svg",
"name": "Bankfinancial CORP",
"rank": 38,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001303942.svg",
"report_text": "The relative strengths and weaknesses of Bankfinancial CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Bankfinancial CORP compared to the market average is the variable Securities, increasing the Economic Capital Ratio by 6.5% points.The greatest weakness of Bankfinancial CORP is the variable Deposits, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.4% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001303942_2025_Bankfinancial_CORP.pdf",
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"Stockholders Equity": "-0.783",
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"Securities": "2.13",
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"Notes Receivable": "-1.34",
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"Other Liabilities": "6.35",
"Debt": "3.69",
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"Revenues": "-3.60",
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"Selling and Marketing Expense": "0.980",
"General and Administrative Expense": "1.09",
"Other Expenses": "-1.04",
"Operating Expenses": "3.02",
"Other Revenues": "-3.60",
"Economic Capital Ratio": "-2.23"
},
"2017": {
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"Assets": "1.11",
"Liabilities": "-2.51",
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"Securities": "1.70",
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"Other Assets": "13.1",
"Loans": "-14.3",
"Other Liabilities": "6.22",
"Debt": "3.18",
"Deposits": "-14.1",
"Expenses": "3.80",
"Revenues": "-2.79",
"Comprehensive Net Income": "0.433",
"Selling and Marketing Expense": "0.513",
"Operating Expenses": "2.02",
"Labor and Related Expense": "0.577",
"General and Administrative Expense": "0.465",
"Other Revenues": "-2.79",
"Economic Capital Ratio": "-1.91"
},
"2018": {
"Liabilities": "-1.65",
"Stockholders Equity": "-1.88",
"ECR before LimitedLiability": "-1.60",
"Deposits": "-13.7",
"Other Liabilities": "6.59",
"Debt": "2.82",
"Expenses": "1.37",
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"Labor and Related Expense": "-0.635",
"Selling and Marketing Expense": "0.490",
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"Revenues": "-2.09",
"Other Assets": "13.7",
"Notes Receivable": "-1.14",
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"Cash and Cash Equivalents": "1.05",
"Loans": "-15.6",
"Comprehensive Net Income": "0.717",
"Other Net Income": "1.52",
"Economic Capital Ratio": "-1.87"
},
"2019": {
"Liabilities": "-1.46",
"Stockholders Equity": "-1.39",
"ECR before LimitedLiability": "-1.81",
"Deposits": "-15.9",
"Debt": "4.29",
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"Expenses": "1.01",
"Occupancy": "-0.308",
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"Selling and Marketing Expense": "0.672",
"Labor and Related Expense": "-0.572",
"Other Revenues": "-2.20",
"Revenues": "-2.20",
"Other Assets": "12.8",
"Cash and Cash Equivalents": "3.90",
"Notes Receivable": "-2.14",
"Loans": "-15.0",
"Securities": "1.10",
"Economic Capital Ratio": "-2.00",
"Other Net Income": "1.33"
},
"2020": {
"Other Liabilities": "6.09",
"Liabilities": "-2.61",
"Stockholders Equity": "-2.38",
"ECR before LimitedLiability": "-3.42",
"Deposits": "-18.7",
"Debt": "3.52",
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"Selling and Marketing Expense": "0.618",
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"Occupancy": "-0.314",
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"Revenues": "-2.94",
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"Other Net Income": "0.803",
"Economic Capital Ratio": "-3.76"
},
"2021": {
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"Liabilities": "-3.21",
"Stockholders Equity": "-2.89",
"ECR before LimitedLiability": "-5.04",
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"Expenses": "2.41",
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"Comprehensive Net Income": "-1.13",
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"Economic Capital Ratio": "-5.48"
},
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"Deposits": "-18.5",
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"Revenues": "-3.05",
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"General and Administrative Expense": "0.705",
"Selling and Marketing Expense": "0.712",
"Operating Expenses": "1.46",
"Other Revenues": "-3.05",
"Other Compr. Net Income": "0.378",
"Other Net Income": "1.09",
"Economic Capital Ratio": "-2.52"
},
"2023": {
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"Liabilities": "-2.93",
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"Operating Expenses": "3.30",
"Selling and Marketing Expense": "1.07",
"General and Administrative Expense": "1.36",
"Other Revenues": "-4.41",
"Other Net Income": "1.94",
"Comprehensive Net Income": "1.50",
"Economic Capital Ratio": "-0.875"
},
"2024": {
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"Assets": "2.24",
"Liabilities": "-3.95",
"Stockholders Equity": "-1.57",
"Economic Capital Ratio": "-2.35",
"Other Assets": "-8.99",
"Notes Receivable": "5.54",
"Loans": "-1.09",
"Cash and Cash Equivalents": "0.509",
"Debt": "4.53",
"Other Liabilities": "6.19",
"Deposits": "-24.7",
"Expenses": "5.58",
"Revenues": "-5.24",
"Net Income": "1.32",
"General and Administrative Expense": "1.45",
"Operating Expenses": "4.04",
"Selling and Marketing Expense": "1.42",
"Other Revenues": "-5.24",
"Comprehensive Net Income": "1.49",
"Other Net Income": "0.857"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001303942_strength_weakness.svg",
"table_records": {
"2016": {
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"Debt": "0",
"Deposits": "1,339,390",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "0",
"Other Expenses": "4,698",
"Other Liabilities": "75,867",
"Other Net Income": "12,200",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "107,212",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,415,257",
"Expenses": "4,698",
"Revenues": "0",
"Stockholders Equity": "204,780",
"Net Income": "7,502",
"Comprehensive Net Income": "7,502",
"BaseVar": "1,526,096",
"ECR before LimitedLiability": "7.2%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
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"Debt": "0",
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},
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"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
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"Loans": "0",
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"Other Expenses": "16,808",
"Other Liabilities": "45,691",
"Other Net Income": "60,334",
"Other Revenues": "5,531",
"Professional Fees": "0",
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},
"output_variables": {
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"Revenues": "5,531",
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"BaseVar": "1,548,412",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
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"Loans": "0",
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"Other Assets": "1,237,497",
"Other Compr. Net Income": "0",
"Other Expenses": "13,874",
"Other Liabilities": "28,886",
"Other Net Income": "49,609",
"Other Revenues": "3,980",
"Professional Fees": "0",
"Securities": "60,193",
"Selling and Marketing Expense": "657"
},
"output_variables": {
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"Liabilities": "1,313,643",
"Expenses": "42,866",
"Revenues": "3,980",
"Stockholders Equity": "174,372",
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"Comprehensive Net Income": "10,723",
"BaseVar": "1,449,056",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
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"Debt": "0",
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"Interest Expense": "0",
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"Other Expenses": "11,431",
"Other Liabilities": "30,368",
"Other Net Income": "47,438",
"Other Revenues": "3,760",
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},
"output_variables": {
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"Expenses": "42,035",
"Revenues": "3,760",
"Stockholders Equity": "172,930",
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"Comprehensive Net Income": "9,150",
"BaseVar": "1,557,000",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
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"Interest Expense": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "-133",
"Other Expenses": "11,051",
"Other Liabilities": "54,785",
"Other Net Income": "46,914",
"Other Revenues": "3,787",
"Professional Fees": "1,336",
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},
"output_variables": {
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}
},
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}
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},
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"Economic Capital Ratio": "14%"
}
},
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"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": -2.0,
"value": 0.13982321829561636,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001303942.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001303942.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001303942.svg"
},
{
"company_id": "0001541119",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001541119.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001541119.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001541119.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001541119_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001541119_main_keyfigs.svg",
"name": "Sound Financial Bancorp Inc",
"rank": 39,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001541119.svg",
"report_text": "The relative strengths and weaknesses of Sound Financial Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Sound Financial Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Sound Financial Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.5% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001541119_2025_Sound_Financial_Bancorp_Inc.pdf",
"shrinked_graph_json": {
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"Assets": "1.32",
"Liabilities": "-3.35",
"Stockholders Equity": "-1.82",
"ECR before LimitedLiability": "-1.65",
"Other Assets": "-8.98",
"Notes Receivable": "-1.40",
"Loans": "8.70",
"Deposits": "-12.6",
"Other Liabilities": "5.32",
"Debt": "3.80",
"Expenses": "5.48",
"Revenues": "-3.70",
"Net Income": "0.892",
"Selling and Marketing Expense": "1.02",
"General and Administrative Expense": "1.13",
"Other Expenses": "-1.20",
"Operating Expenses": "3.14",
"Other Revenues": "-3.70",
"Comprehensive Net Income": "0.967",
"Economic Capital Ratio": "-2.92"
},
"2017": {
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"Assets": "0.644",
"Liabilities": "-2.96",
"Stockholders Equity": "-2.10",
"ECR before LimitedLiability": "-1.91",
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"Cash and Cash Equivalents": "2.14",
"Other Assets": "-8.70",
"Loans": "7.87",
"Other Liabilities": "5.48",
"Debt": "3.27",
"Deposits": "-11.8",
"Expenses": "3.92",
"Revenues": "-2.87",
"Net Income": "0.616",
"Selling and Marketing Expense": "0.531",
"Operating Expenses": "2.10",
"Labor and Related Expense": "0.597",
"Other Revenues": "-2.87",
"Comprehensive Net Income": "0.650",
"Economic Capital Ratio": "-2.61"
},
"2018": {
"Liabilities": "-3.14",
"Stockholders Equity": "-2.49",
"ECR before LimitedLiability": "-2.53",
"Deposits": "-9.51",
"Other Liabilities": "3.76",
"Debt": "2.83",
"Expenses": "3.90",
"Net Income": "0.494",
"Labor and Related Expense": "0.526",
"Other Expenses": "0.766",
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"Operating Expenses": "1.28",
"Other Revenues": "-2.36",
"Revenues": "-2.36",
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"Notes Receivable": "-1.17",
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"Comprehensive Net Income": "0.595",
"Other Net Income": "-0.579",
"Economic Capital Ratio": "-2.80"
},
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"Assets": "-0.456",
"Liabilities": "-1.46",
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"Expenses": "0.809",
"Other Expenses": "0.436",
"Operating Expenses": "0.634",
"Labor and Related Expense": "-0.801",
"Other Revenues": "-2.01",
"Revenues": "-2.01",
"Economic Capital Ratio": "-2.23",
"Other Net Income": "1.69"
},
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"Liabilities": "-3.65",
"Stockholders Equity": "-2.32",
"ECR before LimitedLiability": "-4.18",
"Loans": "-10.3",
"Other Assets": "-8.95",
"Notes Receivable": "13.4",
"Cash and Cash Equivalents": "5.66",
"Other Liabilities": "5.82",
"Deposits": "-17.2",
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"Operating Expenses": "1.01",
"Labor and Related Expense": "0.995",
"General and Administrative Expense": "0.659",
"Other Revenues": "-3.54",
"Other Net Income": "-0.901",
"Economic Capital Ratio": "-4.62"
},
"2022": {
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"Notes Receivable": "13.6",
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"Expenses": "4.85",
"Revenues": "-3.10",
"Comprehensive Net Income": "0.952",
"General and Administrative Expense": "0.667",
"Selling and Marketing Expense": "0.710",
"Operating Expenses": "1.38",
"Other Revenues": "-3.10",
"Other Net Income": "-0.657",
"Economic Capital Ratio": "-1.93"
},
"2023": {
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"Liabilities": "-4.10",
"Stockholders Equity": "-1.18",
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"Notes Receivable": "10.8",
"Loans": "-1.95",
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"Interest Expense": "0.287",
"Expenses": "5.55",
"Revenues": "-4.49",
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"General and Administrative Expense": "1.33",
"Other Revenues": "-4.49",
"Comprehensive Net Income": "1.40",
"Economic Capital Ratio": "-1.11"
},
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"Economic Capital Ratio": "-2.53",
"Other Assets": "-9.05",
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"Selling and Marketing Expense": "1.41",
"Other Revenues": "-5.30",
"Comprehensive Net Income": "1.50",
"Other Net Income": "-1.24"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001541119_strength_weakness.svg",
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"Other Compr. Net Income": "-83",
"Other Expenses": "2,695",
"Other Liabilities": "60,304",
"Other Net Income": "8,073",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "588,383",
"Liabilities": "528,108",
"Expenses": "2,695",
"Revenues": "0",
"Stockholders Equity": "60,275",
"Net Income": "5,378",
"Comprehensive Net Income": "5,295",
"BaseVar": "563,671",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "60,680",
"Debt": "0",
"Deposits": "514,400",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "77",
"Labor and Related Expense": "0",
"Loans": "543,354",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "41,210",
"Other Compr. Net Income": "28",
"Other Expenses": "3,068",
"Other Liabilities": "65,607",
"Other Net Income": "8,193",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "645,244",
"Liabilities": "580,084",
"Expenses": "3,068",
"Revenues": "0",
"Stockholders Equity": "65,160",
"Net Income": "5,125",
"Comprehensive Net Income": "5,153",
"BaseVar": "618,308",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "61,810",
"Debt": "0",
"Deposits": "553,601",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "137",
"Labor and Related Expense": "0",
"Loans": "613,769",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "41,156",
"Other Compr. Net Income": "5.0",
"Other Expenses": "1,706",
"Other Liabilities": "91,370",
"Other Net Income": "8,745",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "716,735",
"Liabilities": "645,108",
"Expenses": "1,706",
"Revenues": "0",
"Stockholders Equity": "71,627",
"Net Income": "7,039",
"Comprehensive Net Income": "7,044",
"BaseVar": "686,150",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "55,770",
"Debt": "0",
"Deposits": "616,718",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "226",
"Labor and Related Expense": "12,402",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "2,060",
"Operating Expenses": "0",
"Other Assets": "664,083",
"Other Compr. Net Income": "-1,590",
"Other Expenses": "2,418",
"Other Liabilities": "25,183",
"Other Net Income": "27,089",
"Other Revenues": "4,026",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "5,905"
},
"output_variables": {
"Assets": "719,853",
"Liabilities": "642,127",
"Expenses": "22,785",
"Revenues": "4,026",
"Stockholders Equity": "77,726",
"Net Income": "8,330",
"Comprehensive Net Income": "6,740",
"BaseVar": "708,735",
"ECR before LimitedLiability": "6.7%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "183,590",
"Debt": "0",
"Deposits": "798,320",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "200",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "680,092",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "56,009",
"Other Compr. Net Income": "-101",
"Other Expenses": "2,272",
"Other Liabilities": "27,813",
"Other Net Income": "11,428",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "919,691",
"Liabilities": "826,333",
"Expenses": "2,272",
"Revenues": "0",
"Stockholders Equity": "93,358",
"Net Income": "9,156",
"Comprehensive Net Income": "9,055",
"BaseVar": "879,912",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "57,836",
"Debt": "0",
"Deposits": "808,763",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "395",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "858,382",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "60,133",
"Other Compr. Net Income": "-1,256",
"Other Expenses": "2,072",
"Other Liabilities": "69,488",
"Other Net Income": "10,876",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "976,351",
"Liabilities": "878,646",
"Expenses": "2,072",
"Revenues": "0",
"Stockholders Equity": "97,705",
"Net Income": "8,804",
"Comprehensive Net Income": "7,548",
"BaseVar": "934,600",
"ECR before LimitedLiability": "6.1%",
"Economic Capital Ratio": "14%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "49,690",
"Debt": "0",
"Deposits": "826,539",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "817",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "885,718",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "59,813",
"Other Compr. Net Income": "129",
"Other Expenses": "1,561",
"Other Liabilities": "67,211",
"Other Net Income": "9,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "995,221",
"Liabilities": "894,567",
"Expenses": "1,561",
"Revenues": "0",
"Stockholders Equity": "100,654",
"Net Income": "7,439",
"Comprehensive Net Income": "7,568",
"BaseVar": "950,239",
"ECR before LimitedLiability": "6.1%",
"Economic Capital Ratio": "14%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "43,641",
"Debt": "0",
"Deposits": "837,799",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "765",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "891,672",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "58,320",
"Other Compr. Net Income": "-56",
"Other Expenses": "1,006",
"Other Liabilities": "51,403",
"Other Net Income": "5,646",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "993,633",
"Liabilities": "889,967",
"Expenses": "1,006",
"Revenues": "0",
"Stockholders Equity": "103,666",
"Net Income": "4,640",
"Comprehensive Net Income": "4,584",
"BaseVar": "945,154",
"ECR before LimitedLiability": "6.0%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 5.0,
"value": 0.13804538604243274,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001541119.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001541119.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001541119.svg"
},
{
"company_id": "0001163370",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001163370.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001163370.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001163370.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001163370_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001163370_main_keyfigs.svg",
"name": "Northrim Bancorp INC",
"rank": 40,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001163370.svg",
"report_text": "The relative strengths and weaknesses of Northrim Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Northrim Bancorp INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.2% points.The greatest weakness of Northrim Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 26% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.6% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001163370_2025_Northrim_Bancorp_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-1.49",
"Assets": "1.68",
"Liabilities": "-2.85",
"Stockholders Equity": "-0.967",
"Economic Capital Ratio": "-2.02",
"Securities": "6.78",
"Other Assets": "-6.42",
"Notes Receivable": "-1.33",
"Loans": "5.99",
"Deposits": "-15.6",
"Other Liabilities": "6.55",
"Debt": "3.68",
"Expenses": "5.29",
"Revenues": "-3.59",
"Net Income": "0.920",
"Selling and Marketing Expense": "0.975",
"General and Administrative Expense": "1.08",
"Other Expenses": "-1.11",
"Operating Expenses": "3.00",
"Other Revenues": "-3.59",
"Comprehensive Net Income": "0.972"
},
"2017": {
"Notes Receivable": "-1.25",
"Assets": "1.03",
"Liabilities": "-2.21",
"Stockholders Equity": "-0.992",
"ECR before LimitedLiability": "-0.713",
"Securities": "6.81",
"Cash and Cash Equivalents": "-1.48",
"Other Assets": "-5.41",
"Loans": "3.77",
"Other Liabilities": "6.71",
"Debt": "3.14",
"Deposits": "-14.5",
"Expenses": "3.51",
"Revenues": "-2.76",
"Net Income": "0.667",
"Selling and Marketing Expense": "0.504",
"Operating Expenses": "1.98",
"Labor and Related Expense": "0.566",
"Other Revenues": "-2.76",
"Comprehensive Net Income": "0.690",
"Economic Capital Ratio": "-1.42"
},
"2018": {
"Other Assets": "-5.41",
"Assets": "-0.730",
"Liabilities": "-0.447",
"Stockholders Equity": "-1.21",
"ECR before LimitedLiability": "-0.583",
"Notes Receivable": "-1.11",
"Securities": "7.53",
"Cash and Cash Equivalents": "-1.18",
"Loans": "2.03",
"Deposits": "-11.5",
"Other Liabilities": "7.53",
"Debt": "2.78",
"Other Revenues": "-1.89",
"Revenues": "-1.89",
"Net Income": "0.813",
"Comprehensive Net Income": "0.907",
"Labor and Related Expense": "-1.74",
"Other Net Income": "3.08",
"Selling and Marketing Expense": "0.400",
"Operating Expenses": "1.23",
"Economic Capital Ratio": "-0.853"
},
"2019": {
"Other Assets": "-4.34",
"Assets": "-0.690",
"Liabilities": "-0.423",
"Stockholders Equity": "-1.13",
"ECR before LimitedLiability": "-1.18",
"Cash and Cash Equivalents": "-1.34",
"Notes Receivable": "-2.11",
"Loans": "2.34",
"Securities": "6.77",
"Deposits": "-13.6",
"Debt": "4.30",
"Other Liabilities": "6.80",
"General and Administrative Expense": "0.369",
"Expenses": "-0.599",
"Operating Expenses": "0.620",
"Selling and Marketing Expense": "0.587",
"Labor and Related Expense": "-1.83",
"Other Revenues": "-2.12",
"Revenues": "-2.12",
"Economic Capital Ratio": "-1.37",
"Other Net Income": "3.21"
},
"2020": {
"Notes Receivable": "-4.82",
"Assets": "-0.963",
"Liabilities": "-1.81",
"Stockholders Equity": "-2.64",
"ECR before LimitedLiability": "-2.96",
"Other Assets": "-1.89",
"Loans": "6.94",
"Cash and Cash Equivalents": "-2.02",
"Securities": "-0.368",
"Other Liabilities": "6.39",
"Deposits": "-16.9",
"Debt": "3.55",
"Expenses": "0.461",
"General and Administrative Expense": "0.505",
"Selling and Marketing Expense": "0.559",
"Operating Expenses": "1.16",
"Labor and Related Expense": "-1.47",
"Other Revenues": "-3.05",
"Revenues": "-3.05",
"Economic Capital Ratio": "-3.30",
"Other Net Income": "3.34"
},
"2021": {
"Assets": "-0.652",
"Liabilities": "-2.75",
"Stockholders Equity": "-3.15",
"ECR before LimitedLiability": "-4.73",
"Loans": "-10.7",
"Other Assets": "4.71",
"Notes Receivable": "8.16",
"Cash and Cash Equivalents": "-2.41",
"Other Liabilities": "5.45",
"Deposits": "-16.6",
"Debt": "3.64",
"Expenses": "1.44",
"Revenues": "-3.68",
"Net Income": "-0.653",
"Operating Expenses": "1.08",
"Labor and Related Expense": "-0.807",
"General and Administrative Expense": "0.701",
"Other Revenues": "-3.68",
"Comprehensive Net Income": "-0.613",
"Other Net Income": "2.02",
"Economic Capital Ratio": "-5.17"
},
"2022": {
"Deposits": "-18.8",
"Liabilities": "-2.80",
"Loans": "-10.0",
"Stockholders Equity": "-2.98",
"Other Liabilities": "4.70",
"Debt": "3.93",
"Labor and Related Expense": "-0.665",
"Expenses": "1.94",
"Revenues": "-3.28",
"Net Income": "0.416",
"General and Administrative Expense": "0.745",
"Other Expenses": "-0.489",
"Selling and Marketing Expense": "0.699",
"Operating Expenses": "1.54",
"Other Revenues": "-3.28",
"ECR before LimitedLiability": "-2.95",
"Other Assets": "3.92",
"Cash and Cash Equivalents": "-1.48",
"Notes Receivable": "6.44",
"Other Net Income": "2.21",
"Economic Capital Ratio": "-3.42"
},
"2023": {
"Assets": "0.961",
"Liabilities": "-3.27",
"Stockholders Equity": "-2.11",
"Economic Capital Ratio": "-1.56",
"Notes Receivable": "5.11",
"Loans": "-2.07",
"Cash and Cash Equivalents": "-1.89",
"Other Liabilities": "5.70",
"Deposits": "-21.8",
"Debt": "4.45",
"Expenses": "4.68",
"Revenues": "-4.66",
"Net Income": "1.54",
"Labor and Related Expense": "-0.671",
"Other Expenses": "-0.868",
"Operating Expenses": "3.44",
"Selling and Marketing Expense": "1.07",
"General and Administrative Expense": "1.41",
"Other Revenues": "-4.66",
"Other Net Income": "2.57",
"Comprehensive Net Income": "1.80"
},
"2024": {
"Assets": "1.33",
"Liabilities": "-4.08",
"Stockholders Equity": "-2.50",
"Economic Capital Ratio": "-2.56",
"Other Assets": "-2.73",
"Notes Receivable": "5.76",
"Loans": "-1.11",
"Cash and Cash Equivalents": "-1.73",
"Debt": "4.62",
"Other Liabilities": "6.18",
"Deposits": "-26.3",
"Expenses": "5.36",
"Revenues": "-5.44",
"Net Income": "1.98",
"Labor and Related Expense": "-0.638",
"General and Administrative Expense": "1.48",
"Operating Expenses": "4.12",
"Selling and Marketing Expense": "1.39",
"Other Revenues": "-5.44",
"Comprehensive Net Income": "2.31",
"Other Net Income": "2.16"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001163370_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,267,653",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "955,318",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "239,104",
"Other Compr. Net Income": "-564",
"Other Expenses": "6,052",
"Other Liabilities": "72,175",
"Other Net Income": "21,042",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "332,118",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,526,540",
"Liabilities": "1,339,828",
"Expenses": "6,052",
"Revenues": "0",
"Stockholders Equity": "186,712",
"Net Income": "14,990",
"Comprehensive Net Income": "14,426",
"BaseVar": "1,447,013",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,258,283",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "934,206",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "272,153",
"Other Compr. Net Income": "-115",
"Other Expenses": "10,321",
"Other Liabilities": "68,024",
"Other Net Income": "23,799",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "312,750",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,519,109",
"Liabilities": "1,326,307",
"Expenses": "10,321",
"Revenues": "0",
"Stockholders Equity": "192,802",
"Net Income": "13,478",
"Comprehensive Net Income": "13,363",
"BaseVar": "1,439,826",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,228,088",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "44,650",
"Loans": "964,827",
"Notes Receivable": "0",
"Occupancy": "6,136",
"Operating Expenses": "0",
"Other Assets": "259,286",
"Other Compr. Net Income": "-59",
"Other Expenses": "17,814",
"Other Liabilities": "68,953",
"Other Net Income": "86,104",
"Other Revenues": "8,863",
"Professional Fees": "2,453",
"Securities": "278,875",
"Selling and Marketing Expense": "2,318"
},
"output_variables": {
"Assets": "1,502,988",
"Liabilities": "1,297,041",
"Expenses": "73,371",
"Revenues": "8,863",
"Stockholders Equity": "205,947",
"Net Income": "21,596",
"Comprehensive Net Income": "21,537",
"BaseVar": "1,484,213",
"ECR before LimitedLiability": "8.9%",
"Economic Capital Ratio": "16%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,372,351",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "51,317",
"Loans": "1,024,283",
"Notes Receivable": "0",
"Occupancy": "6,607",
"Operating Expenses": "0",
"Other Assets": "335,630",
"Other Compr. Net Income": "951",
"Other Expenses": "18,269",
"Other Liabilities": "64,528",
"Other Net Income": "91,165",
"Other Revenues": "6,090",
"Professional Fees": "2,531",
"Securities": "284,083",
"Selling and Marketing Expense": "2,373"
},
"output_variables": {
"Assets": "1,643,996",
"Liabilities": "1,436,879",
"Expenses": "81,097",
"Revenues": "6,090",
"Stockholders Equity": "207,117",
"Net Income": "16,158",
"Comprehensive Net Income": "17,109",
"BaseVar": "1,630,089",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,824,981",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "61,137",
"Loans": "1,422,914",
"Notes Receivable": "0",
"Occupancy": "6,624",
"Operating Expenses": "0",
"Other Assets": "698,884",
"Other Compr. Net Income": "-413",
"Other Expenses": "25,435",
"Other Liabilities": "75,242",
"Other Net Income": "125,153",
"Other Revenues": "2,469",
"Professional Fees": "3,157",
"Securities": "0",
"Selling and Marketing Expense": "2,320"
},
"output_variables": {
"Assets": "2,121,798",
"Liabilities": "1,900,223",
"Expenses": "98,673",
"Revenues": "2,469",
"Stockholders Equity": "221,575",
"Net Income": "28,949",
"Comprehensive Net Income": "28,536",
"BaseVar": "2,124,364",
"ECR before LimitedLiability": "6.9%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
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"Debt": "0",
"Deposits": "2,421,631",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "60,412",
"Loans": "0",
"Notes Receivable": "1,402,147",
"Occupancy": "7,078",
"Operating Expenses": "0",
"Other Assets": "1,322,572",
"Other Compr. Net Income": "-3,424",
"Other Expenses": "26,640",
"Other Liabilities": "65,271",
"Other Net Income": "130,053",
"Other Revenues": "2,450",
"Professional Fees": "2,801",
"Securities": "0",
"Selling and Marketing Expense": "2,741"
},
"output_variables": {
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"Liabilities": "2,486,902",
"Expenses": "99,672",
"Revenues": "2,450",
"Stockholders Equity": "237,817",
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"BaseVar": "2,723,610",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
"2022": {
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"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Occupancy": "6,915",
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"Other Expenses": "25,778",
"Other Liabilities": "68,478",
"Other Net Income": "117,509",
"Other Revenues": "4,529",
"Professional Fees": "2,993",
"Securities": "0",
"Selling and Marketing Expense": "2,747"
},
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"Revenues": "4,529",
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"Economic Capital Ratio": "12%"
}
},
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"Other Expenses": "25,203",
"Other Liabilities": "87,724",
"Other Net Income": "117,333",
"Other Revenues": "2,550",
"Professional Fees": "3,128",
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},
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"Liabilities": "2,572,779",
"Expenses": "100,395",
"Revenues": "2,550",
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"Comprehensive Net Income": "32,132",
"BaseVar": "2,806,599",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "13%"
}
},
"2024": {
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"Debt": "0",
"Deposits": "2,680,189",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "67,847",
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"Occupancy": "7,609",
"Operating Expenses": "0",
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"Other Compr. Net Income": "9,413",
"Other Expenses": "32,125",
"Other Liabilities": "94,564",
"Other Net Income": "142,101",
"Other Revenues": "3,116",
"Professional Fees": "4,351",
"Securities": "0",
"Selling and Marketing Expense": "3,028"
},
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"Liabilities": "2,774,753",
"Expenses": "114,960",
"Revenues": "3,116",
"Stockholders Equity": "267,116",
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"Comprehensive Net Income": "39,670",
"BaseVar": "3,043,106",
"ECR before LimitedLiability": "6.0%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 13.0,
"value": 0.1377757273871901,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001163370.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001163370.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001163370.svg"
},
{
"company_id": "0000070502",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0000070502.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0000070502.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000070502.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000070502_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0000070502_main_keyfigs.svg",
"name": "National Rural Utilities Cooperative Finance CORP DC",
"rank": 41,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0000070502.svg",
"report_text": "The relative strengths and weaknesses of National Rural Utilities Cooperative Finance CORP DC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of National Rural Utilities Cooperative Finance CORP DC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 12% points.The greatest weakness of National Rural Utilities Cooperative Finance CORP DC is the variable Debt, reducing the Economic Capital Ratio by 69% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.6% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0000070502_2025_National_Rural_Utilities_Cooperative_Finance_CORP_DC.pdf",
"shrinked_graph_json": {
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"Stockholders Equity": "-5.09",
"Deposits": "6.48",
"Other Liabilities": "2.46",
"Debt": "-68.2",
"Expenses": "1.93",
"ECR before LimitedLiability": "-5.82",
"Selling and Marketing Expense": "1.22",
"General and Administrative Expense": "1.35",
"Labor and Related Expense": "0.718",
"Other Expenses": "-1.01",
"Operating Expenses": "1.54",
"Other Revenues": "-4.34",
"Revenues": "-4.34",
"Cash and Cash Equivalents": "-1.60",
"Securities": "-0.657",
"Other Assets": "9.76",
"Notes Receivable": "-1.76",
"Loans": "-14.9",
"Economic Capital Ratio": "-7.09",
"Other Net Income": "-1.48"
},
"2017": {
"Other Liabilities": "4.05",
"Liabilities": "-4.54",
"Stockholders Equity": "-4.59",
"Debt": "-72.5",
"Deposits": "8.03",
"Expenses": "3.34",
"Revenues": "-3.14",
"Net Income": "1.07",
"Selling and Marketing Expense": "0.587",
"Operating Expenses": "2.32",
"Labor and Related Expense": "0.659",
"General and Administrative Expense": "0.531",
"Other Revenues": "-3.14",
"Notes Receivable": "-1.51",
"Comprehensive Net Income": "1.14",
"ECR before LimitedLiability": "-4.08",
"Securities": "-0.655",
"Cash and Cash Equivalents": "-1.50",
"Other Assets": "11.6",
"Loans": "-15.0",
"Economic Capital Ratio": "-4.78"
},
"2018": {
"Other Assets": "12.5",
"Assets": "-0.566",
"Liabilities": "-4.17",
"Stockholders Equity": "-4.33",
"Notes Receivable": "-1.27",
"Cash and Cash Equivalents": "-1.02",
"Loans": "-15.7",
"Deposits": "8.91",
"Other Liabilities": "4.72",
"Debt": "-74.8",
"Expenses": "4.25",
"Revenues": "-2.50",
"Net Income": "1.16",
"Labor and Related Expense": "0.561",
"Other Expenses": "1.03",
"Selling and Marketing Expense": "0.577",
"Operating Expenses": "1.36",
"Other Revenues": "-2.50",
"ECR before LimitedLiability": "-3.87",
"Comprehensive Net Income": "1.25",
"Economic Capital Ratio": "-4.14"
},
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"Stockholders Equity": "-4.52",
"Deposits": "6.90",
"Debt": "-67.5",
"Other Liabilities": "2.81",
"Expenses": "1.93",
"Net Income": "-1.22",
"Other Expenses": "0.832",
"Operating Expenses": "0.736",
"Selling and Marketing Expense": "0.837",
"Labor and Related Expense": "0.695",
"Other Revenues": "-2.79",
"Revenues": "-2.79",
"Other Assets": "10.2",
"ECR before LimitedLiability": "-6.10",
"Cash and Cash Equivalents": "-1.39",
"Notes Receivable": "-2.63",
"Loans": "-15.8",
"Comprehensive Net Income": "-1.30",
"Other Net Income": "-2.10",
"Economic Capital Ratio": "-6.29"
},
"2021": {
"Other Liabilities": "5.11",
"Liabilities": "-4.70",
"Stockholders Equity": "-4.50",
"ECR before LimitedLiability": "-5.10",
"Deposits": "8.93",
"Debt": "-72.7",
"Selling and Marketing Expense": "0.683",
"Expenses": "4.73",
"Net Income": "0.651",
"Other Expenses": "0.540",
"Operating Expenses": "1.06",
"Labor and Related Expense": "1.05",
"General and Administrative Expense": "0.692",
"Other Revenues": "-3.69",
"Revenues": "-3.69",
"Loans": "-10.6",
"Other Assets": "-9.95",
"Notes Receivable": "13.2",
"Cash and Cash Equivalents": "-2.04",
"Comprehensive Net Income": "0.799",
"Economic Capital Ratio": "-5.54"
},
"2022": {
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"Liabilities": "-4.11",
"Stockholders Equity": "-3.10",
"ECR before LimitedLiability": "-1.37",
"Other Liabilities": "6.02",
"Debt": "-72.1",
"Labor and Related Expense": "1.15",
"Expenses": "5.07",
"Net Income": "1.77",
"General and Administrative Expense": "0.668",
"Selling and Marketing Expense": "0.711",
"Operating Expenses": "1.38",
"Other Revenues": "-3.10",
"Revenues": "-3.10",
"Loans": "-9.29",
"Other Assets": "-9.12",
"Cash and Cash Equivalents": "-1.13",
"Notes Receivable": "13.9",
"Comprehensive Net Income": "2.51",
"Other Compr. Net Income": "0.683",
"Economic Capital Ratio": "-1.84"
},
"2023": {
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"Liabilities": "-4.63",
"Stockholders Equity": "-2.23",
"ECR before LimitedLiability": "0.301",
"Notes Receivable": "11.7",
"Loans": "-2.01",
"Other Assets": "-9.62",
"Cash and Cash Equivalents": "-1.62",
"Other Liabilities": "5.82",
"Deposits": "8.20",
"Debt": "-70.3",
"Expenses": "5.14",
"Revenues": "-4.58",
"Net Income": "2.22",
"Labor and Related Expense": "1.16",
"Operating Expenses": "3.32",
"Selling and Marketing Expense": "1.12",
"General and Administrative Expense": "1.37",
"Other Revenues": "-4.58",
"Comprehensive Net Income": "2.09",
"Economic Capital Ratio": "-1.60"
},
"2024": {
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"Liabilities": "-5.43",
"Stockholders Equity": "-2.47",
"Economic Capital Ratio": "-2.59",
"Other Assets": "-9.62",
"Notes Receivable": "11.7",
"Loans": "-1.08",
"Cash and Cash Equivalents": "-1.40",
"Debt": "-69.4",
"Other Liabilities": "6.31",
"Deposits": "7.77",
"Expenses": "5.75",
"Revenues": "-5.33",
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"Labor and Related Expense": "1.19",
"Other Expenses": "0.740",
"General and Administrative Expense": "1.43",
"Operating Expenses": "3.97",
"Selling and Marketing Expense": "1.42",
"Other Revenues": "-5.33",
"Comprehensive Net Income": "2.45"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0000070502_strength_weakness.svg",
"table_records": {
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"Debt": "22,598,473",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "132,996",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "24,061,032",
"Other Compr. Net Income": "-1,159",
"Other Expenses": "57",
"Other Liabilities": "721,353",
"Other Net Income": "-51,459",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "23,452,822",
"Expenses": "57",
"Revenues": "0",
"Stockholders Equity": "817,378",
"Net Income": "-51,516",
"Comprehensive Net Income": "-52,675",
"BaseVar": "23,887,848",
"ECR before LimitedLiability": "1.5%",
"Economic Capital Ratio": "9.9%"
}
},
"2017": {
"input_variables": {
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"Debt": "23,459,793",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "137,476",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "25,017,271",
"Other Compr. Net Income": "9,924",
"Other Expenses": "1,704",
"Other Liabilities": "509,618",
"Other Net Income": "313,803",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "25,205,692",
"Liabilities": "24,106,887",
"Expenses": "1,704",
"Revenues": "0",
"Stockholders Equity": "1,098,805",
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"Comprehensive Net Income": "322,023",
"BaseVar": "24,819,005",
"ECR before LimitedLiability": "3.5%",
"Economic Capital Ratio": "12%"
}
},
"2018": {
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"Debt": "24,633,262",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "149,284",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "26,451,380",
"Other Compr. Net Income": "-6,809",
"Other Expenses": "2,305",
"Other Liabilities": "401,805",
"Other Net Income": "459,669",
"Other Revenues": "0",
"Professional Fees": "0",
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},
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"Liabilities": "25,184,351",
"Expenses": "2,305",
"Revenues": "0",
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"Net Income": "457,364",
"Comprehensive Net Income": "450,555",
"BaseVar": "26,171,669",
"ECR before LimitedLiability": "4.6%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
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"Debt": "25,161,668",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "158,997",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "26,938,168",
"Other Compr. Net Income": "2,082",
"Other Expenses": "211",
"Other Liabilities": "499,825",
"Other Net Income": "-150,999",
"Other Revenues": "0",
"Professional Fees": "0",
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},
"output_variables": {
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"BaseVar": "26,549,077",
"ECR before LimitedLiability": "1.9%",
"Economic Capital Ratio": "10%"
}
},
"2021": {
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"Interest Payable": "123,672",
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},
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}
},
"2022": {
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},
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}
},
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},
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"ECR before LimitedLiability": "5.5%",
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}
},
"2024": {
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},
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}
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"value": 0.13742138130877563,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0000070502.svg",
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},
{
"company_id": "0001049782",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001049782.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001049782.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001049782.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001049782_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001049782_main_keyfigs.svg",
"name": "Brookline Bancorp INC",
"rank": 42,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001049782.svg",
"report_text": "The relative strengths and weaknesses of Brookline Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Brookline Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.2% points.The greatest weakness of Brookline Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 17% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.6% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001049782_2025_Brookline_Bancorp_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-1.18",
"Assets": "1.45",
"Liabilities": "-3.18",
"Stockholders Equity": "-1.54",
"ECR before LimitedLiability": "-1.45",
"Other Assets": "-6.53",
"Notes Receivable": "-1.39",
"Loans": "8.59",
"Deposits": "-8.62",
"Other Liabilities": "6.09",
"Debt": "-3.37",
"Expenses": "5.41",
"Revenues": "-3.67",
"Net Income": "0.838",
"Selling and Marketing Expense": "1.01",
"General and Administrative Expense": "1.12",
"Other Expenses": "-1.20",
"Operating Expenses": "3.11",
"Other Revenues": "-3.67",
"Comprehensive Net Income": "0.868",
"Economic Capital Ratio": "-2.71"
},
"2017": {
"Notes Receivable": "-1.28",
"Assets": "0.926",
"Liabilities": "-2.41",
"Stockholders Equity": "-1.30",
"ECR before LimitedLiability": "-1.14",
"Securities": "-0.554",
"Cash and Cash Equivalents": "-1.21",
"Other Assets": "-6.17",
"Loans": "8.29",
"Other Liabilities": "6.48",
"Debt": "-3.37",
"Deposits": "-8.08",
"Expenses": "3.61",
"Revenues": "-2.79",
"Net Income": "0.598",
"Selling and Marketing Expense": "0.514",
"Operating Expenses": "2.02",
"Labor and Related Expense": "0.577",
"Other Revenues": "-2.79",
"Comprehensive Net Income": "0.576",
"Economic Capital Ratio": "-1.84"
},
"2018": {
"Liabilities": "-1.73",
"Stockholders Equity": "-1.64",
"ECR before LimitedLiability": "-1.58",
"Deposits": "-7.64",
"Other Liabilities": "6.67",
"Debt": "-2.58",
"Expenses": "1.80",
"Net Income": "0.498",
"Labor and Related Expense": "-0.475",
"Selling and Marketing Expense": "0.485",
"Operating Expenses": "1.25",
"Other Revenues": "-2.33",
"Revenues": "-2.33",
"Other Assets": "-6.15",
"Notes Receivable": "-1.14",
"Securities": "-0.458",
"Cash and Cash Equivalents": "-0.800",
"Loans": "7.62",
"Comprehensive Net Income": "0.519",
"Other Net Income": "1.24",
"Economic Capital Ratio": "-1.85"
},
"2019": {
"Liabilities": "-1.49",
"Stockholders Equity": "-1.22",
"ECR before LimitedLiability": "-1.37",
"Deposits": "-8.96",
"Debt": "-0.900",
"Other Liabilities": "6.66",
"General and Administrative Expense": "0.362",
"Expenses": "1.41",
"Comprehensive Net Income": "0.205",
"Operating Expenses": "0.609",
"Selling and Marketing Expense": "0.650",
"Labor and Related Expense": "-0.408",
"Other Revenues": "-2.35",
"Revenues": "-2.35",
"Other Assets": "-5.90",
"Cash and Cash Equivalents": "-0.989",
"Notes Receivable": "-2.08",
"Loans": "8.21",
"Securities": "-0.451",
"Other Net Income": "1.30",
"Economic Capital Ratio": "-1.56"
},
"2020": {
"Other Liabilities": "5.88",
"Liabilities": "-2.93",
"Stockholders Equity": "-2.47",
"ECR before LimitedLiability": "-3.56",
"Deposits": "-12.3",
"Debt": "-0.672",
"Expenses": "2.73",
"Net Income": "-0.455",
"General and Administrative Expense": "0.503",
"Selling and Marketing Expense": "0.608",
"Operating Expenses": "1.16",
"Other Revenues": "-3.11",
"Revenues": "-3.11",
"Notes Receivable": "13.8",
"Other Assets": "-6.80",
"Loans": "-11.6",
"Cash and Cash Equivalents": "-0.286",
"Securities": "-0.370",
"Comprehensive Net Income": "-0.301",
"Other Net Income": "0.303",
"Economic Capital Ratio": "-3.90"
},
"2021": {
"Assets": "0.402",
"Liabilities": "-2.47",
"Stockholders Equity": "-1.85",
"ECR before LimitedLiability": "-3.55",
"Loans": "-10.3",
"Other Assets": "-6.95",
"Notes Receivable": "14.5",
"Cash and Cash Equivalents": "-0.964",
"Other Liabilities": "6.43",
"Deposits": "-13.7",
"Debt": "1.55",
"Selling and Marketing Expense": "0.607",
"Expenses": "2.41",
"Revenues": "-3.54",
"Net Income": "-0.595",
"Operating Expenses": "1.00",
"General and Administrative Expense": "0.655",
"Other Revenues": "-3.54",
"Comprehensive Net Income": "-0.613",
"Other Net Income": "0.937",
"Economic Capital Ratio": "-3.99"
},
"2022": {
"Loans": "-9.46",
"Assets": "0.719",
"Liabilities": "-2.58",
"Stockholders Equity": "-1.68",
"ECR before LimitedLiability": "-1.43",
"Other Assets": "-6.69",
"Securities": "-0.331",
"Notes Receivable": "13.2",
"Deposits": "-9.21",
"Other Liabilities": "5.85",
"Debt": "-2.80",
"Expenses": "2.92",
"Revenues": "-3.17",
"Net Income": "0.490",
"General and Administrative Expense": "0.684",
"Selling and Marketing Expense": "0.681",
"Operating Expenses": "1.42",
"Other Revenues": "-3.17",
"Comprehensive Net Income": "0.620",
"Other Net Income": "1.18",
"Economic Capital Ratio": "-1.90"
},
"2023": {
"Assets": "2.07",
"Liabilities": "-3.28",
"Stockholders Equity": "-1.11",
"ECR before LimitedLiability": "0.861",
"Notes Receivable": "9.32",
"Loans": "-1.98",
"Other Assets": "-6.78",
"Cash and Cash Equivalents": "-1.40",
"Other Liabilities": "6.13",
"Deposits": "-13.6",
"Debt": "-1.22",
"Expenses": "5.52",
"Revenues": "-4.57",
"Net Income": "1.36",
"Operating Expenses": "3.29",
"Selling and Marketing Expense": "1.08",
"General and Administrative Expense": "1.36",
"Other Revenues": "-4.57",
"Other Net Income": "1.32",
"Comprehensive Net Income": "1.28",
"Economic Capital Ratio": "-1.04"
},
"2024": {
"Securities": "-0.436",
"Assets": "2.54",
"Liabilities": "-4.42",
"Stockholders Equity": "-1.80",
"Economic Capital Ratio": "-2.60",
"Other Assets": "-7.13",
"Notes Receivable": "8.23",
"Loans": "-1.09",
"Debt": "-1.34",
"Other Liabilities": "6.18",
"Deposits": "-16.7",
"Expenses": "5.43",
"Revenues": "-5.42",
"Net Income": "1.49",
"General and Administrative Expense": "1.46",
"Interest Expense": "0.207",
"Operating Expenses": "4.05",
"Selling and Marketing Expense": "1.41",
"Other Revenues": "-5.42",
"Comprehensive Net Income": "1.53",
"Other Net Income": "0.470"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001049782_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
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"Debt": "1,044,086",
"Deposits": "4,611,076",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "5,345,198",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,025,274",
"Other Compr. Net Income": "-4,204",
"Other Expenses": "30,392",
"Other Liabilities": "80,218",
"Other Net Income": "85,616",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "6,438,129",
"Liabilities": "5,735,380",
"Expenses": "30,392",
"Revenues": "0",
"Stockholders Equity": "702,749",
"Net Income": "55,224",
"Comprehensive Net Income": "51,020",
"BaseVar": "6,146,860",
"ECR before LimitedLiability": "6.6%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "61,005",
"Debt": "1,020,819",
"Deposits": "4,871,343",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "5,672,087",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,047,157",
"Other Compr. Net Income": "-4,170",
"Other Expenses": "43,636",
"Other Liabilities": "75,504",
"Other Net Income": "97,255",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "6,780,249",
"Liabilities": "5,967,666",
"Expenses": "43,636",
"Revenues": "0",
"Stockholders Equity": "812,583",
"Net Income": "53,619",
"Comprehensive Net Income": "49,449",
"BaseVar": "6,446,488",
"ECR before LimitedLiability": "7.2%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
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"Debt": "920,542",
"Deposits": "5,454,044",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "91,535",
"Loans": "6,244,824",
"Notes Receivable": "0",
"Occupancy": "14,991",
"Operating Expenses": "0",
"Other Assets": "1,058,397",
"Other Compr. Net Income": "-6,999",
"Other Expenses": "66,475",
"Other Liabilities": "107,600",
"Other Net Income": "256,145",
"Other Revenues": "0",
"Professional Fees": "4,404",
"Securities": "0",
"Selling and Marketing Expense": "4,016"
},
"output_variables": {
"Assets": "7,392,805",
"Liabilities": "6,482,186",
"Expenses": "181,421",
"Revenues": "0",
"Stockholders Equity": "910,619",
"Net Income": "74,724",
"Comprehensive Net Income": "67,725",
"BaseVar": "7,159,778",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
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"Debt": "902,749",
"Deposits": "5,830,072",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "96,554",
"Loans": "6,676,734",
"Notes Receivable": "0",
"Occupancy": "15,696",
"Operating Expenses": "0",
"Other Assets": "1,102,329",
"Other Compr. Net Income": "11,700",
"Other Expenses": "65,090",
"Other Liabilities": "178,426",
"Other Net Income": "260,790",
"Other Revenues": "0",
"Professional Fees": "4,366",
"Securities": "0",
"Selling and Marketing Expense": "4,044"
},
"output_variables": {
"Assets": "7,856,853",
"Liabilities": "6,911,247",
"Expenses": "185,750",
"Revenues": "0",
"Stockholders Equity": "945,606",
"Net Income": "75,040",
"Comprehensive Net Income": "86,740",
"BaseVar": "7,613,170",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
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"Debt": "820,247",
"Deposits": "6,910,696",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "100,985",
"Loans": "0",
"Notes Receivable": "7,155,174",
"Occupancy": "15,386",
"Operating Expenses": "0",
"Other Assets": "1,352,333",
"Other Compr. Net Income": "14,207",
"Other Expenses": "49,632",
"Other Liabilities": "269,703",
"Other Net Income": "211,823",
"Other Revenues": "0",
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"Selling and Marketing Expense": "4,126"
},
"output_variables": {
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"Liabilities": "8,000,646",
"Expenses": "175,286",
"Revenues": "0",
"Stockholders Equity": "941,778",
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"Comprehensive Net Income": "50,744",
"BaseVar": "8,672,193",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
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"Debt": "357,321",
"Deposits": "7,049,906",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "106,786",
"Loans": "0",
"Notes Receivable": "7,055,373",
"Occupancy": "14,961",
"Operating Expenses": "0",
"Other Assets": "1,219,512",
"Other Compr. Net Income": "-16,600",
"Other Expenses": "71,151",
"Other Liabilities": "200,053",
"Other Net Income": "304,526",
"Other Revenues": "0",
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"Securities": "0",
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},
"output_variables": {
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"Liabilities": "7,607,280",
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"BaseVar": "8,366,394",
"ECR before LimitedLiability": "7.2%",
"Economic Capital Ratio": "15%"
}
},
"2022": {
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"Debt": "1,432,652",
"Deposits": "6,522,146",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
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"Other Net Income": "306,364",
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"Securities": "0",
"Selling and Marketing Expense": "4,980"
},
"output_variables": {
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"ECR before LimitedLiability": "6.1%",
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}
},
"2023": {
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"Other Revenues": "0",
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},
"output_variables": {
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"Revenues": "0",
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"Comprehensive Net Income": "70,501",
"BaseVar": "11,076,624",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
},
"2024": {
"input_variables": {
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"Debt": "1,519,846",
"Deposits": "8,901,644",
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"Interest Expense": "0",
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"Other Compr. Net Income": "-84",
"Other Expenses": "86,689",
"Other Liabilities": "261,897",
"Other Net Income": "320,614",
"Other Revenues": "0",
"Professional Fees": "7,133",
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"Selling and Marketing Expense": "5,240"
},
"output_variables": {
"Assets": "11,905,326",
"Liabilities": "10,683,387",
"Expenses": "264,841",
"Revenues": "0",
"Stockholders Equity": "1,221,939",
"Net Income": "55,773",
"Comprehensive Net Income": "55,689",
"BaseVar": "11,587,126",
"ECR before LimitedLiability": "5.9%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 0.0,
"value": 0.1373492613527727,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001049782.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001049782.svg"
},
{
"company_id": "0001032033",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001032033.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001032033.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001032033.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001032033_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001032033_main_keyfigs.svg",
"name": "SLM Corp",
"rank": 43,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001032033.svg",
"report_text": "The relative strengths and weaknesses of SLM Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of SLM Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.2% points.The greatest weakness of SLM Corp is the variable Deposits, reducing the Economic Capital Ratio by 13% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.6% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001032033_2025_SLM_Corp.pdf",
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"Assets": "0.631",
"Liabilities": "-1.74",
"Stockholders Equity": "-0.934",
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"Other Assets": "-8.58",
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"Comprehensive Net Income": "1.32",
"Other Net Income": "2.12"
},
"2017": {
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"Liabilities": "-1.59",
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"Revenues": "-2.85",
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"Securities": "-0.561",
"Cash and Cash Equivalents": "1.01",
"Other Assets": "-8.39",
"Loans": "8.38",
"Comprehensive Net Income": "1.10",
"Other Net Income": "2.65",
"Economic Capital Ratio": "-1.59"
},
"2018": {
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"Stockholders Equity": "-1.96",
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"Revenues": "-2.27",
"Other Assets": "-7.91",
"Notes Receivable": "-1.10",
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"Cash and Cash Equivalents": "2.46",
"Loans": "7.72",
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"Economic Capital Ratio": "-1.60"
},
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"Stockholders Equity": "-1.91",
"ECR before LimitedLiability": "-1.71",
"Deposits": "-9.04",
"Debt": "-1.69",
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"Expenses": "3.04",
"Net Income": "0.832",
"Operating Expenses": "0.609",
"Selling and Marketing Expense": "0.693",
"Labor and Related Expense": "0.575",
"Other Revenues": "-2.34",
"Revenues": "-2.34",
"Other Assets": "-7.56",
"Cash and Cash Equivalents": "6.08",
"Notes Receivable": "-2.09",
"Loans": "6.55",
"Securities": "-0.453",
"Comprehensive Net Income": "0.696",
"Other Net Income": "0.442",
"Economic Capital Ratio": "-1.90"
},
"2022": {
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"Liabilities": "-4.37",
"Stockholders Equity": "-3.62",
"Other Liabilities": "4.90",
"Debt": "-3.90",
"Labor and Related Expense": "1.23",
"Expenses": "4.13",
"Revenues": "-3.29",
"Net Income": "1.02",
"General and Administrative Expense": "0.715",
"Selling and Marketing Expense": "0.761",
"Operating Expenses": "1.48",
"Other Revenues": "-3.29",
"Loans": "-9.69",
"ECR before LimitedLiability": "-2.74",
"Comprehensive Net Income": "1.54",
"Other Assets": "-6.40",
"Cash and Cash Equivalents": "4.20",
"Notes Receivable": "9.61",
"Other Compr. Net Income": "0.497",
"Economic Capital Ratio": "-3.22"
},
"2023": {
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"Liabilities": "-4.55",
"Stockholders Equity": "-2.74",
"Economic Capital Ratio": "-1.64",
"Notes Receivable": "5.73",
"Loans": "-2.03",
"Other Assets": "-6.67",
"Cash and Cash Equivalents": "4.18",
"Other Liabilities": "5.74",
"Deposits": "-12.4",
"Debt": "-3.62",
"Expenses": "5.04",
"Revenues": "-4.63",
"Net Income": "2.71",
"Labor and Related Expense": "1.17",
"Operating Expenses": "3.36",
"Selling and Marketing Expense": "1.14",
"General and Administrative Expense": "1.38",
"Other Revenues": "-4.63",
"Other Net Income": "1.19",
"Comprehensive Net Income": "2.62"
},
"2024": {
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"Assets": "2.17",
"Liabilities": "-5.38",
"Stockholders Equity": "-2.96",
"Economic Capital Ratio": "-2.64",
"Other Assets": "-6.98",
"Notes Receivable": "5.82",
"Loans": "-1.09",
"Cash and Cash Equivalents": "5.07",
"Debt": "-4.89",
"Other Liabilities": "6.22",
"Deposits": "-13.2",
"Expenses": "5.62",
"Revenues": "-5.38",
"Net Income": "2.90",
"Labor and Related Expense": "1.21",
"General and Administrative Expense": "1.45",
"Operating Expenses": "4.02",
"Selling and Marketing Expense": "1.44",
"Other Revenues": "-5.38",
"Comprehensive Net Income": "2.97"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001032033_strength_weakness.svg",
"table_records": {
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"Debt": "2,167,979",
"Deposits": "13,435,667",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "183,996",
"Loans": "15,137,922",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "385,407",
"Other Assets": "1,476,288",
"Other Compr. Net Income": "7,388",
"Other Expenses": "-18,981",
"Other Liabilities": "582,299",
"Other Net Income": "731,933",
"Other Revenues": "68,816",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "16,185,945",
"Expenses": "550,422",
"Revenues": "68,816",
"Stockholders Equity": "2,347,058",
"Net Income": "250,327",
"Comprehensive Net Income": "257,715",
"BaseVar": "18,038,754",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "16%"
}
},
"2017": {
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"Deposits": "15,505,383",
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"Occupancy": "0",
"Operating Expenses": "448,620",
"Other Assets": "1,677,604",
"Other Compr. Net Income": "11,419",
"Other Expenses": "-10,319",
"Other Liabilities": "524,675",
"Other Net Income": "943,456",
"Other Revenues": "-2,902",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
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"Liabilities": "19,305,328",
"Expenses": "651,620",
"Revenues": "-2,902",
"Stockholders Equity": "2,474,256",
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"BaseVar": "21,347,154",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
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"Interest Expense": "0",
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"Notes Receivable": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "7,013",
"Other Expenses": "71,853",
"Other Liabilities": "481,213",
"Other Net Income": "559,329",
"Other Revenues": "0",
"Professional Fees": "0",
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},
"output_variables": {
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"Revenues": "0",
"Stockholders Equity": "2,972,656",
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"Comprehensive Net Income": "494,489",
"BaseVar": "25,470,942",
"ECR before LimitedLiability": "7.9%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
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"Debt": "4,354,037",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "24,667,792",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
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"Other Compr. Net Income": "-22,990",
"Other Expenses": "165,464",
"Other Liabilities": "736,623",
"Other Net Income": "743,740",
"Other Revenues": "0",
"Professional Fees": "0",
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},
"output_variables": {
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"Revenues": "0",
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"BaseVar": "31,496,658",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "15%"
}
},
"2022": {
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"Interest Expense": "0",
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"Other Expenses": "161,711",
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"Other Net Income": "630,725",
"Other Revenues": "0",
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},
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}
},
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"Other Expenses": "196,905",
"Other Liabilities": "407,971",
"Other Net Income": "778,296",
"Other Revenues": "0",
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"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2024": {
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"Deposits": "21,068,568",
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"General and Administrative Expense": "0",
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"Other Expenses": "190,311",
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"Other Net Income": "798,636",
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"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 12.0,
"value": 0.13697191877675258,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001032033.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001032033.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001032033.svg"
},
{
"company_id": "0001108134",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001108134.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001108134.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001108134.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001108134_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001108134_main_keyfigs.svg",
"name": "Beacon Financial Corp",
"rank": 44,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001108134.svg",
"report_text": "The relative strengths and weaknesses of Beacon Financial Corp are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Beacon Financial Corp compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 6.8% points.The greatest weakness of Beacon Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 24% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 2.7% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001108134_2025_Beacon_Financial_Corp.pdf",
"shrinked_graph_json": {
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"Assets": "0.777",
"Liabilities": "-2.18",
"Stockholders Equity": "-1.23",
"ECR before LimitedLiability": "-1.01",
"Other Assets": "-3.34",
"Notes Receivable": "-1.38",
"Loans": "6.58",
"Deposits": "-8.58",
"Other Liabilities": "2.75",
"Debt": "3.80",
"Expenses": "3.32",
"Revenues": "-1.30",
"Comprehensive Net Income": "0.851",
"Selling and Marketing Expense": "0.980",
"General and Administrative Expense": "1.12",
"Other Expenses": "-1.72",
"Operating Expenses": "2.91",
"Other Revenues": "-1.30",
"Other Net Income": "-1.07",
"Economic Capital Ratio": "-2.28"
},
"2017": {
"Other Liabilities": "5.07",
"Liabilities": "-1.33",
"Stockholders Equity": "-1.05",
"ECR before LimitedLiability": "-0.971",
"Debt": "3.25",
"Deposits": "-9.49",
"Expenses": "1.41",
"Net Income": "0.337",
"Selling and Marketing Expense": "0.438",
"Other Expenses": "-1.08",
"Operating Expenses": "1.86",
"Labor and Related Expense": "-0.482",
"General and Administrative Expense": "0.473",
"Notes Receivable": "-1.30",
"Securities": "-0.562",
"Cash and Cash Equivalents": "-0.801",
"Other Assets": "-3.23",
"Loans": "6.50",
"Comprehensive Net Income": "0.327",
"Other Net Income": "-0.936",
"Economic Capital Ratio": "-1.67"
},
"2018": {
"Liabilities": "-1.48",
"Stockholders Equity": "-1.51",
"ECR before LimitedLiability": "-1.53",
"Deposits": "-7.49",
"Other Liabilities": "3.36",
"Debt": "2.81",
"Expenses": "1.36",
"Net Income": "0.380",
"Labor and Related Expense": "-0.564",
"Selling and Marketing Expense": "0.478",
"Operating Expenses": "1.05",
"Other Revenues": "0.632",
"Revenues": "0.632",
"Other Assets": "-3.34",
"Notes Receivable": "-1.14",
"Securities": "-0.292",
"Cash and Cash Equivalents": "-0.701",
"Loans": "6.60",
"Comprehensive Net Income": "0.396",
"Other Net Income": "-1.52",
"Economic Capital Ratio": "-1.80"
},
"2019": {
"Other Assets": "-3.05",
"Assets": "0.300",
"Liabilities": "-1.11",
"Expenses": "1.15",
"Stockholders Equity": "-0.700",
"ECR before LimitedLiability": "-0.962",
"Notes Receivable": "-2.05",
"Loans": "6.98",
"Securities": "-0.331",
"Deposits": "-11.4",
"Debt": "4.16",
"Other Liabilities": "5.76",
"General and Administrative Expense": "0.357",
"Other Expenses": "-0.314",
"Operating Expenses": "0.438",
"Selling and Marketing Expense": "0.654",
"Labor and Related Expense": "-0.280",
"Other Revenues": "0.257",
"Revenues": "0.257",
"Economic Capital Ratio": "-1.15",
"Other Net Income": "-1.35"
},
"2020": {
"Notes Receivable": "8.05",
"Assets": "-1.53",
"Liabilities": "-2.54",
"Stockholders Equity": "-3.87",
"Loans": "-13.6",
"Cash and Cash Equivalents": "-2.73",
"Other Liabilities": "1.25",
"Deposits": "-12.7",
"Debt": "0.714",
"Expenses": "-1.88",
"Revenues": "-1.18",
"Net Income": "-4.91",
"General and Administrative Expense": "0.485",
"Selling and Marketing Expense": "0.487",
"Operating Expenses": "0.494",
"Other Expenses": "-4.46",
"Other Revenues": "-1.18",
"ECR before LimitedLiability": "-8.55",
"Comprehensive Net Income": "-4.76",
"Other Net Income": "-2.20",
"Economic Capital Ratio": "-8.89"
},
"2021": {
"Other Liabilities": "5.73",
"Liabilities": "-2.70",
"Stockholders Equity": "-2.47",
"ECR before LimitedLiability": "-4.35",
"Deposits": "-16.4",
"Debt": "3.56",
"Selling and Marketing Expense": "0.654",
"Expenses": "2.18",
"Net Income": "-0.763",
"Operating Expenses": "0.793",
"General and Administrative Expense": "0.683",
"Other Revenues": "-0.823",
"Revenues": "-0.823",
"Securities": "-0.297",
"Loans": "-10.6",
"Other Assets": "1.64",
"Notes Receivable": "10.2",
"Cash and Cash Equivalents": "-2.34",
"Comprehensive Net Income": "-0.862",
"Other Net Income": "-1.93",
"Economic Capital Ratio": "-4.79"
},
"2022": {
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"Liabilities": "-3.10",
"Loans": "-10.2",
"Stockholders Equity": "-3.02",
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"Debt": "3.31",
"Expenses": "2.83",
"Revenues": "-0.552",
"Comprehensive Net Income": "-0.333",
"General and Administrative Expense": "0.762",
"Other Expenses": "-0.530",
"Selling and Marketing Expense": "0.770",
"Operating Expenses": "1.28",
"Other Revenues": "-0.552",
"ECR before LimitedLiability": "-3.59",
"Other Assets": "-2.67",
"Cash and Cash Equivalents": "-1.53",
"Notes Receivable": "9.66",
"Other Compr. Net Income": "-0.611",
"Other Net Income": "-1.75",
"Economic Capital Ratio": "-4.07"
},
"2023": {
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"Liabilities": "-3.69",
"Stockholders Equity": "-2.18",
"Economic Capital Ratio": "-1.90",
"Notes Receivable": "5.91",
"Loans": "-2.09",
"Other Assets": "-3.47",
"Cash and Cash Equivalents": "-1.91",
"Other Liabilities": "5.14",
"Deposits": "-19.6",
"Debt": "4.46",
"Expenses": "4.68",
"Revenues": "-2.31",
"Net Income": "1.43",
"Other Expenses": "-0.962",
"Operating Expenses": "3.12",
"Selling and Marketing Expense": "1.13",
"General and Administrative Expense": "1.42",
"Other Revenues": "-2.31",
"Other Net Income": "-1.07",
"Comprehensive Net Income": "1.56"
},
"2024": {
"Securities": "-0.440",
"Assets": "2.05",
"Liabilities": "-4.36",
"Stockholders Equity": "-2.15",
"Economic Capital Ratio": "-2.66",
"Other Assets": "-4.47",
"Notes Receivable": "6.80",
"Loans": "-1.11",
"Cash and Cash Equivalents": "-1.72",
"Debt": "4.57",
"Other Liabilities": "5.80",
"Deposits": "-23.8",
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"General and Administrative Expense": "1.47",
"Operating Expenses": "3.76",
"Selling and Marketing Expense": "1.43",
"Other Revenues": "-3.15",
"Comprehensive Net Income": "1.84",
"Other Net Income": "-1.74"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001108134_strength_weakness.svg",
"table_records": {
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"Debt": "0",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "104,600",
"Loans": "6,505,789",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "19,883",
"Other Assets": "2,543,678",
"Other Compr. Net Income": "13,071",
"Other Expenses": "105,605",
"Other Liabilities": "1,447,152",
"Other Net Income": "0",
"Other Revenues": "298,118",
"Professional Fees": "6,199",
"Securities": "0",
"Selling and Marketing Expense": "3,161"
},
"output_variables": {
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"Liabilities": "8,069,244",
"Expenses": "239,448",
"Revenues": "298,118",
"Stockholders Equity": "1,093,298",
"Net Income": "58,670",
"Comprehensive Net Income": "71,741",
"BaseVar": "8,891,212",
"ECR before LimitedLiability": "7.2%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
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"Debt": "0",
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"Depreciation and Amortization": "0",
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"Other Net Income": "0",
"Other Revenues": "420,484",
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"Securities": "0",
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},
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"Expenses": "365,237",
"Revenues": "420,484",
"Stockholders Equity": "1,496,264",
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"Comprehensive Net Income": "49,642",
"BaseVar": "11,218,282",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "183,189",
"Debt": "0",
"Deposits": "8,982,381",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "165,185",
"Loans": "8,981,784",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "28,600",
"Other Assets": "2,990,620",
"Other Compr. Net Income": "-12,274",
"Other Expenses": "153,012",
"Other Liabilities": "1,676,932",
"Other Net Income": "0",
"Other Revenues": "469,235",
"Professional Fees": "8,693",
"Securities": "56,638",
"Selling and Marketing Expense": "7,980"
},
"output_variables": {
"Assets": "12,212,231",
"Liabilities": "10,659,313",
"Expenses": "363,470",
"Revenues": "469,235",
"Stockholders Equity": "1,552,918",
"Net Income": "105,765",
"Comprehensive Net Income": "93,491",
"BaseVar": "11,858,262",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "579,829",
"Debt": "0",
"Deposits": "10,335,977",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "140,906",
"Loans": "9,438,853",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "26,523",
"Other Assets": "3,155,732",
"Other Compr. Net Income": "25,463",
"Other Expenses": "165,038",
"Other Liabilities": "1,121,429",
"Other Net Income": "-4,071",
"Other Revenues": "449,260",
"Professional Fees": "10,798",
"Securities": "41,556",
"Selling and Marketing Expense": "4,474"
},
"output_variables": {
"Assets": "13,215,970",
"Liabilities": "11,457,406",
"Expenses": "347,739",
"Revenues": "449,260",
"Stockholders Equity": "1,758,564",
"Net Income": "97,450",
"Comprehensive Net Income": "122,913",
"BaseVar": "12,749,954",
"ECR before LimitedLiability": "8.1%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "10,215,808",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "147,840",
"Loans": "0",
"Notes Receivable": "7,954,217",
"Occupancy": "0",
"Operating Expenses": "32,364",
"Other Assets": "4,865,283",
"Other Compr. Net Income": "18,878",
"Other Expenses": "720,303",
"Other Liabilities": "1,434,432",
"Other Net Income": "-19,842",
"Other Revenues": "383,089",
"Professional Fees": "11,907",
"Securities": "18,513",
"Selling and Marketing Expense": "3,703"
},
"output_variables": {
"Assets": "12,838,013",
"Liabilities": "11,650,240",
"Expenses": "916,117",
"Revenues": "383,089",
"Stockholders Equity": "1,187,773",
"Net Income": "-552,870",
"Comprehensive Net Income": "-533,992",
"BaseVar": "12,913,090",
"ECR before LimitedLiability": "0.49%",
"Economic Capital Ratio": "8.9%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "10,068,953",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "150,589",
"Loans": "0",
"Notes Receivable": "6,719,753",
"Occupancy": "0",
"Operating Expenses": "33,803",
"Other Assets": "4,819,707",
"Other Compr. Net Income": "-34,114",
"Other Expenses": "112,749",
"Other Liabilities": "303,525",
"Other Net Income": "0",
"Other Revenues": "434,414",
"Professional Fees": "15,860",
"Securities": "15,453",
"Selling and Marketing Expense": "2,749"
},
"output_variables": {
"Assets": "11,554,913",
"Liabilities": "10,372,478",
"Expenses": "315,750",
"Revenues": "434,414",
"Stockholders Equity": "1,182,435",
"Net Income": "118,664",
"Comprehensive Net Income": "84,550",
"BaseVar": "11,355,834",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "10,327,269",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "152,741",
"Loans": "0",
"Notes Receivable": "8,239,039",
"Occupancy": "0",
"Operating Expenses": "35,586",
"Other Assets": "3,410,969",
"Other Compr. Net Income": "-177,809",
"Other Expenses": "115,528",
"Other Liabilities": "381,533",
"Other Net Income": "0",
"Other Revenues": "413,534",
"Professional Fees": "12,043",
"Securities": "12,856",
"Selling and Marketing Expense": "5,103"
},
"output_variables": {
"Assets": "11,662,864",
"Liabilities": "10,708,802",
"Expenses": "321,001",
"Revenues": "413,534",
"Stockholders Equity": "954,062",
"Net Income": "92,533",
"Comprehensive Net Income": "-85,276",
"BaseVar": "11,642,005",
"ECR before LimitedLiability": "3.5%",
"Economic Capital Ratio": "12%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "10,633,384",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "159,281",
"Loans": "0",
"Notes Receivable": "8,934,329",
"Occupancy": "0",
"Operating Expenses": "41,878",
"Other Assets": "3,483,463",
"Other Compr. Net Income": "38,036",
"Other Expenses": "124,052",
"Other Liabilities": "785,216",
"Other Net Income": "0",
"Other Revenues": "411,829",
"Professional Fees": "11,643",
"Securities": "13,029",
"Selling and Marketing Expense": "5,377"
},
"output_variables": {
"Assets": "12,430,821",
"Liabilities": "11,418,600",
"Expenses": "342,231",
"Revenues": "411,829",
"Stockholders Equity": "1,012,221",
"Net Income": "69,598",
"Comprehensive Net Income": "107,634",
"BaseVar": "12,320,758",
"ECR before LimitedLiability": "5.1%",
"Economic Capital Ratio": "13%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "10,375,204",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "160,453",
"Loans": "0",
"Notes Receivable": "9,270,294",
"Occupancy": "0",
"Operating Expenses": "40,395",
"Other Assets": "3,003,114",
"Other Compr. Net Income": "36,673",
"Other Expenses": "123,320",
"Other Liabilities": "730,780",
"Other Net Income": "0",
"Other Revenues": "400,000",
"Professional Fees": "10,307",
"Securities": "0",
"Selling and Marketing Expense": "4,522"
},
"output_variables": {
"Assets": "12,273,408",
"Liabilities": "11,105,984",
"Expenses": "338,997",
"Revenues": "400,000",
"Stockholders Equity": "1,167,424",
"Net Income": "61,003",
"Comprehensive Net Income": "97,676",
"BaseVar": "12,077,531",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 12.0,
"value": 0.13676354544546632,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001108134.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001108134.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001108134.svg"
},
{
"company_id": "0001228454",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001228454.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001228454.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001228454.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001228454_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001228454_main_keyfigs.svg",
"name": "BCB Bancorp INC",
"rank": 45,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001228454.svg",
"report_text": "The relative strengths and weaknesses of BCB Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of BCB Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 8.7% points.The greatest weakness of BCB Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 18% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.1% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001228454_2025_BCB_Bancorp_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "0.992",
"Liabilities": "-4.20",
"Stockholders Equity": "-3.00",
"Securities": "-0.573",
"Other Assets": "-8.77",
"Notes Receivable": "-1.53",
"Loans": "8.36",
"Deposits": "-13.1",
"Other Liabilities": "4.03",
"Debt": "3.99",
"Expenses": "4.07",
"Revenues": "-3.92",
"Net Income": "0.547",
"Selling and Marketing Expense": "1.10",
"General and Administrative Expense": "1.21",
"Labor and Related Expense": "0.644",
"Other Expenses": "-1.16",
"Operating Expenses": "3.39",
"Other Revenues": "-3.92",
"ECR before LimitedLiability": "-3.28",
"Economic Capital Ratio": "-4.55"
},
"2017": {
"Notes Receivable": "-1.38",
"Assets": "0.473",
"Liabilities": "-3.27",
"Stockholders Equity": "-2.56",
"ECR before LimitedLiability": "-2.54",
"Securities": "-0.600",
"Cash and Cash Equivalents": "0.857",
"Other Assets": "-8.21",
"Loans": "7.54",
"Other Liabilities": "4.86",
"Debt": "3.34",
"Deposits": "-12.1",
"Expenses": "3.99",
"Revenues": "-2.94",
"Comprehensive Net Income": "0.475",
"Selling and Marketing Expense": "0.547",
"Operating Expenses": "2.16",
"Labor and Related Expense": "0.615",
"General and Administrative Expense": "0.495",
"Other Revenues": "-2.94",
"Economic Capital Ratio": "-3.24"
},
"2018": {
"Liabilities": "-3.88",
"Other Assets": "-8.39",
"Stockholders Equity": "-3.64",
"Deposits": "-11.2",
"Other Liabilities": "4.11",
"Debt": "2.98",
"Expenses": "4.10",
"Revenues": "-2.51",
"Comprehensive Net Income": "0.250",
"Labor and Related Expense": "0.563",
"Other Expenses": "0.786",
"Selling and Marketing Expense": "0.579",
"Operating Expenses": "1.37",
"Other Revenues": "-2.51",
"ECR before LimitedLiability": "-4.01",
"Notes Receivable": "-1.27",
"Securities": "-0.515",
"Cash and Cash Equivalents": "1.71",
"Loans": "6.24",
"Other Net Income": "-0.895",
"Economic Capital Ratio": "-4.28"
},
"2019": {
"Liabilities": "-3.28",
"Stockholders Equity": "-2.76",
"ECR before LimitedLiability": "-3.26",
"Deposits": "-12.4",
"Debt": "4.40",
"Other Liabilities": "4.67",
"General and Administrative Expense": "0.387",
"Expenses": "3.45",
"Other Expenses": "0.456",
"Operating Expenses": "0.651",
"Selling and Marketing Expense": "0.740",
"Labor and Related Expense": "0.614",
"Other Revenues": "-2.48",
"Revenues": "-2.48",
"Other Assets": "-2.97",
"Cash and Cash Equivalents": "-1.44",
"Notes Receivable": "-2.26",
"Loans": "5.29",
"Securities": "-0.493",
"Economic Capital Ratio": "-3.45",
"Other Net Income": "-0.580"
},
"2020": {
"Notes Receivable": "-4.87",
"Assets": "0.518",
"Liabilities": "-3.91",
"Expenses": "4.39",
"Stockholders Equity": "-3.09",
"ECR before LimitedLiability": "-4.11",
"Other Assets": "-5.88",
"Loans": "9.91",
"Cash and Cash Equivalents": "-2.06",
"Other Liabilities": "5.03",
"Deposits": "-15.2",
"Debt": "3.52",
"General and Administrative Expense": "0.508",
"Selling and Marketing Expense": "0.654",
"Operating Expenses": "1.17",
"Labor and Related Expense": "0.829",
"Other Expenses": "0.421",
"Other Revenues": "-3.13",
"Revenues": "-3.13",
"Economic Capital Ratio": "-4.45",
"Other Net Income": "-0.788"
},
"2021": {
"Assets": "0.748",
"Liabilities": "-3.76",
"Stockholders Equity": "-2.72",
"ECR before LimitedLiability": "-4.41",
"Loans": "10.4",
"Other Assets": "-4.80",
"Notes Receivable": "-5.58",
"Cash and Cash Equivalents": "-2.29",
"Other Liabilities": "5.56",
"Deposits": "-16.3",
"Debt": "3.48",
"Selling and Marketing Expense": "0.659",
"Expenses": "4.25",
"Revenues": "-3.58",
"Net Income": "-0.630",
"Operating Expenses": "1.02",
"Labor and Related Expense": "1.01",
"General and Administrative Expense": "0.668",
"Other Revenues": "-3.58",
"Other Net Income": "-0.615",
"Economic Capital Ratio": "-4.84"
},
"2022": {
"Loans": "12.4",
"Assets": "0.993",
"Liabilities": "-3.89",
"Stockholders Equity": "-2.66",
"ECR before LimitedLiability": "-2.00",
"Other Assets": "-6.59",
"Cash and Cash Equivalents": "-1.36",
"Notes Receivable": "-7.92",
"Deposits": "-13.6",
"Other Liabilities": "4.87",
"Debt": "4.21",
"Labor and Related Expense": "1.18",
"Expenses": "4.72",
"Revenues": "-3.18",
"Net Income": "0.701",
"General and Administrative Expense": "0.688",
"Selling and Marketing Expense": "0.732",
"Operating Expenses": "1.43",
"Other Revenues": "-3.18",
"Comprehensive Net Income": "1.24",
"Economic Capital Ratio": "-2.47"
},
"2023": {
"Assets": "2.49",
"Liabilities": "-4.56",
"Stockholders Equity": "-2.03",
"Economic Capital Ratio": "-1.98",
"Notes Receivable": "9.31",
"Loans": "-2.05",
"Other Assets": "-7.08",
"Cash and Cash Equivalents": "-1.87",
"Other Liabilities": "4.61",
"Deposits": "-15.0",
"Debt": "4.36",
"Expenses": "4.78",
"Revenues": "-4.64",
"Net Income": "1.60",
"Labor and Related Expense": "1.18",
"Other Expenses": "-0.394",
"Operating Expenses": "3.38",
"Selling and Marketing Expense": "1.14",
"General and Administrative Expense": "1.39",
"Other Revenues": "-4.64",
"Comprehensive Net Income": "1.43"
},
"2024": {
"Assets": "3.22",
"Liabilities": "-5.43",
"Stockholders Equity": "-2.24",
"Economic Capital Ratio": "-3.07",
"Other Assets": "-6.45",
"Notes Receivable": "8.66",
"Loans": "-1.10",
"Cash and Cash Equivalents": "-1.71",
"Debt": "4.51",
"Other Liabilities": "4.87",
"Deposits": "-17.9",
"Expenses": "5.34",
"Revenues": "-5.40",
"Net Income": "1.54",
"Labor and Related Expense": "1.22",
"General and Administrative Expense": "1.46",
"Operating Expenses": "4.05",
"Selling and Marketing Expense": "1.45",
"Other Revenues": "-5.40",
"Comprehensive Net Income": "1.65",
"Other Net Income": "-1.14"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001228454_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "65,038",
"Debt": "0",
"Deposits": "1,392,205",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,485,159",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "158,011",
"Other Compr. Net Income": "-2,258",
"Other Expenses": "5,258",
"Other Liabilities": "184,922",
"Other Net Income": "13,261",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,708,208",
"Liabilities": "1,577,127",
"Expenses": "5,258",
"Revenues": "0",
"Stockholders Equity": "131,081",
"Net Income": "8,003",
"Comprehensive Net Income": "5,745",
"BaseVar": "1,653,056",
"ECR before LimitedLiability": "4.3%",
"Economic Capital Ratio": "12%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "124,235",
"Debt": "0",
"Deposits": "1,569,370",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,643,677",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "174,925",
"Other Compr. Net Income": "1,271",
"Other Expenses": "10,231",
"Other Liabilities": "197,013",
"Other Net Income": "20,213",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,942,837",
"Liabilities": "1,766,383",
"Expenses": "10,231",
"Revenues": "0",
"Stockholders Equity": "176,454",
"Net Income": "9,982",
"Comprehensive Net Income": "11,253",
"BaseVar": "1,870,468",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "195,264",
"Debt": "0",
"Deposits": "2,180,724",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,278,492",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "200,975",
"Other Compr. Net Income": "-1,808",
"Other Expenses": "7,482",
"Other Liabilities": "293,792",
"Other Net Income": "24,245",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,674,731",
"Liabilities": "2,474,516",
"Expenses": "7,482",
"Revenues": "0",
"Stockholders Equity": "200,215",
"Net Income": "16,763",
"Comprehensive Net Income": "14,955",
"BaseVar": "2,591,391",
"ECR before LimitedLiability": "4.5%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,362,063",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,178,407",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "729,061",
"Other Compr. Net Income": "2,858",
"Other Expenses": "9,309",
"Other Liabilities": "305,932",
"Other Net Income": "30,343",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,907,468",
"Liabilities": "2,667,995",
"Expenses": "9,309",
"Revenues": "0",
"Stockholders Equity": "239,473",
"Net Income": "21,034",
"Comprehensive Net Income": "23,892",
"BaseVar": "2,808,986",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,318,050",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,295,021",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "525,995",
"Other Compr. Net Income": "2,013",
"Other Expenses": "8,566",
"Other Liabilities": "253,755",
"Other Net Income": "29,423",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,821,016",
"Liabilities": "2,571,805",
"Expenses": "8,566",
"Revenues": "0",
"Stockholders Equity": "249,211",
"Net Income": "20,857",
"Comprehensive Net Income": "22,870",
"BaseVar": "2,716,412",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,561,402",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,304,942",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "662,586",
"Other Compr. Net Income": "1,333",
"Other Expenses": "14,018",
"Other Liabilities": "132,102",
"Other Net Income": "48,258",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,967,528",
"Liabilities": "2,693,504",
"Expenses": "14,018",
"Revenues": "0",
"Stockholders Equity": "274,024",
"Net Income": "34,240",
"Comprehensive Net Income": "35,573",
"BaseVar": "2,862,320",
"ECR before LimitedLiability": "6.1%",
"Economic Capital Ratio": "14%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,811,607",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "3,045,331",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "500,862",
"Other Compr. Net Income": "-7,619",
"Other Expenses": "17,531",
"Other Liabilities": "443,332",
"Other Net Income": "63,110",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,546,193",
"Liabilities": "3,254,939",
"Expenses": "17,531",
"Revenues": "0",
"Stockholders Equity": "291,254",
"Net Income": "45,579",
"Comprehensive Net Income": "37,960",
"BaseVar": "3,444,696",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
"2023": {
"input_variables": {
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"Debt": "0",
"Deposits": "2,979,080",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "3,279,708",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "552,689",
"Other Compr. Net Income": "-1,000",
"Other Expenses": "11,972",
"Other Liabilities": "539,262",
"Other Net Income": "41,455",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,832,397",
"Liabilities": "3,518,342",
"Expenses": "11,972",
"Revenues": "0",
"Stockholders Equity": "314,055",
"Net Income": "29,483",
"Comprehensive Net Income": "28,483",
"BaseVar": "3,702,583",
"ECR before LimitedLiability": "5.0%",
"Economic Capital Ratio": "13%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,750,858",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "2,996,259",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "602,859",
"Other Compr. Net Income": "2,252",
"Other Expenses": "7,647",
"Other Liabilities": "524,335",
"Other Net Income": "26,270",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,599,118",
"Liabilities": "3,275,193",
"Expenses": "7,647",
"Revenues": "0",
"Stockholders Equity": "323,925",
"Net Income": "18,623",
"Comprehensive Net Income": "20,875",
"BaseVar": "3,455,240",
"ECR before LimitedLiability": "5.3%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 12.0,
"value": 0.13266519482892597,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001228454.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001228454.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001228454.svg"
},
{
"company_id": "0001504008",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001504008.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001504008.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001504008.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001504008_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001504008_main_keyfigs.svg",
"name": "Bankunited Inc",
"rank": 46,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001504008.svg",
"report_text": "The relative strengths and weaknesses of Bankunited Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Bankunited Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 5.2% points.The greatest weakness of Bankunited Inc is the variable Deposits, reducing the Economic Capital Ratio by 19% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.3% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001504008_2025_Bankunited_Inc.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-1.05",
"Assets": "1.06",
"Liabilities": "-3.80",
"Stockholders Equity": "-2.51",
"ECR before LimitedLiability": "-2.36",
"Other Assets": "13.1",
"Notes Receivable": "-1.46",
"Loans": "-13.8",
"Deposits": "-7.54",
"Other Liabilities": "0.836",
"Debt": "3.20",
"Expenses": "4.92",
"Revenues": "-3.79",
"Net Income": "0.824",
"Selling and Marketing Expense": "1.05",
"General and Administrative Expense": "1.17",
"Other Expenses": "-1.18",
"Operating Expenses": "3.25",
"Other Revenues": "-3.79",
"Comprehensive Net Income": "0.974",
"Economic Capital Ratio": "-3.63"
},
"2018": {
"Liabilities": "-3.33",
"Stockholders Equity": "-2.91",
"ECR before LimitedLiability": "-3.06",
"Deposits": "-7.36",
"Other Liabilities": "2.01",
"Debt": "2.30",
"Expenses": "3.96",
"Net Income": "0.526",
"Labor and Related Expense": "0.540",
"Other Expenses": "0.750",
"Selling and Marketing Expense": "0.555",
"Operating Expenses": "1.31",
"Other Revenues": "-2.42",
"Revenues": "-2.42",
"Other Assets": "13.4",
"Notes Receivable": "-1.21",
"Securities": "-0.488",
"Cash and Cash Equivalents": "-0.858",
"Loans": "-15.5",
"Other Net Income": "-0.541",
"Economic Capital Ratio": "-3.33"
},
"2019": {
"Other Assets": "13.4",
"Assets": "-0.197",
"Liabilities": "-2.48",
"Stockholders Equity": "-2.48",
"ECR before LimitedLiability": "-2.88",
"Cash and Cash Equivalents": "-1.20",
"Notes Receivable": "-2.24",
"Loans": "-15.1",
"Securities": "-0.489",
"Deposits": "-8.60",
"Debt": "3.78",
"Other Liabilities": "2.77",
"General and Administrative Expense": "0.386",
"Expenses": "2.07",
"Operating Expenses": "0.524",
"Selling and Marketing Expense": "0.738",
"Other Revenues": "-2.37",
"Revenues": "-2.37",
"Economic Capital Ratio": "-3.07",
"Other Net Income": "0.695",
"Other Compr. Net Income": "-0.173"
},
"2020": {
"Other Liabilities": "4.62",
"Liabilities": "-3.65",
"Stockholders Equity": "-3.33",
"ECR before LimitedLiability": "-4.50",
"Deposits": "-12.6",
"Debt": "2.61",
"Expenses": "3.36",
"Net Income": "-0.343",
"General and Administrative Expense": "0.523",
"Selling and Marketing Expense": "0.673",
"Operating Expenses": "1.05",
"Labor and Related Expense": "0.307",
"Other Revenues": "-3.12",
"Revenues": "-3.12",
"Notes Receivable": "-5.01",
"Other Assets": "12.8",
"Loans": "-11.8",
"Cash and Cash Equivalents": "-1.72",
"Securities": "-0.389",
"Comprehensive Net Income": "-0.359",
"Economic Capital Ratio": "-4.84"
},
"2021": {
"Other Liabilities": "5.20",
"Liabilities": "-3.53",
"Stockholders Equity": "-3.11",
"ECR before LimitedLiability": "-4.69",
"Deposits": "-13.1",
"Debt": "2.60",
"Selling and Marketing Expense": "0.677",
"Expenses": "3.23",
"Net Income": "-0.657",
"Operating Expenses": "0.886",
"Labor and Related Expense": "0.448",
"General and Administrative Expense": "0.685",
"Other Revenues": "-3.46",
"Revenues": "-3.46",
"Securities": "-0.350",
"Loans": "-10.5",
"Other Assets": "13.3",
"Notes Receivable": "-5.71",
"Cash and Cash Equivalents": "-2.06",
"Comprehensive Net Income": "-0.442",
"Economic Capital Ratio": "-5.13"
},
"2022": {
"Deposits": "-10.4",
"Liabilities": "-3.99",
"Loans": "-10.2",
"Stockholders Equity": "-3.65",
"Other Liabilities": "2.86",
"Debt": "2.86",
"Labor and Related Expense": "0.631",
"Expenses": "2.87",
"Revenues": "-3.30",
"Net Income": "0.269",
"General and Administrative Expense": "0.767",
"Selling and Marketing Expense": "0.816",
"Operating Expenses": "1.39",
"Other Revenues": "-3.30",
"ECR before LimitedLiability": "-4.02",
"Other Assets": "11.2",
"Cash and Cash Equivalents": "-0.916",
"Securities": "-0.382",
"Notes Receivable": "-8.66",
"Economic Capital Ratio": "-4.49",
"Other Compr. Net Income": "-0.274"
},
"2023": {
"Assets": "1.57",
"Liabilities": "-4.27",
"Stockholders Equity": "-2.56",
"Notes Receivable": "-13.3",
"Loans": "-2.14",
"Other Assets": "12.3",
"Cash and Cash Equivalents": "-1.34",
"Other Liabilities": "4.13",
"Deposits": "-12.3",
"Debt": "3.52",
"Expenses": "4.22",
"Revenues": "-4.59",
"Net Income": "1.40",
"Other Expenses": "-0.792",
"Operating Expenses": "3.29",
"Selling and Marketing Expense": "1.19",
"General and Administrative Expense": "1.45",
"Other Revenues": "-4.59",
"Economic Capital Ratio": "-2.44",
"Other Net Income": "0.777",
"Comprehensive Net Income": "1.46"
},
"2024": {
"Assets": "2.07",
"Liabilities": "-5.00",
"Stockholders Equity": "-2.78",
"ECR before LimitedLiability": "-0.744",
"Other Assets": "-2.77",
"Notes Receivable": "5.20",
"Loans": "-1.14",
"Cash and Cash Equivalents": "-1.26",
"Debt": "3.65",
"Other Liabilities": "4.90",
"Deposits": "-18.9",
"Expenses": "4.89",
"Revenues": "-5.35",
"Net Income": "1.71",
"Labor and Related Expense": "0.459",
"General and Administrative Expense": "1.51",
"Operating Expenses": "3.94",
"Selling and Marketing Expense": "1.50",
"Other Revenues": "-5.35",
"Comprehensive Net Income": "1.95",
"Economic Capital Ratio": "-3.28"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001504008_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
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"Debt": "402,809",
"Deposits": "19,490,890",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "27,431,838",
"Other Compr. Net Income": "19,065",
"Other Expenses": "109,703",
"Other Liabilities": "5,568,023",
"Other Net Income": "335,444",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "27,880,151",
"Liabilities": "25,461,722",
"Expenses": "109,703",
"Revenues": "0",
"Stockholders Equity": "2,418,429",
"Net Income": "225,741",
"Comprehensive Net Income": "244,806",
"BaseVar": "26,903,042",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "382,073",
"Debt": "402,749",
"Deposits": "23,474,223",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "31,782,253",
"Other Compr. Net Income": "-59,015",
"Other Expenses": "90,784",
"Other Liabilities": "5,363,521",
"Other Net Income": "415,650",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "32,164,326",
"Liabilities": "29,240,493",
"Expenses": "90,784",
"Revenues": "0",
"Stockholders Equity": "2,923,833",
"Net Income": "324,866",
"Comprehensive Net Income": "265,851",
"BaseVar": "30,985,134",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
"input_variables": {
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"Debt": "429,338",
"Deposits": "24,394,591",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "235,330",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "56,174",
"Operating Expenses": "47,509",
"Other Assets": "32,656,620",
"Other Compr. Net Income": "-36,700",
"Other Expenses": "218,622",
"Other Liabilities": "5,066,585",
"Other Net Income": "843,805",
"Other Revenues": "47,280",
"Professional Fees": "20,352",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "32,871,293",
"Liabilities": "29,890,514",
"Expenses": "577,987",
"Revenues": "47,280",
"Stockholders Equity": "2,980,779",
"Net Income": "313,098",
"Comprehensive Net Income": "276,398",
"BaseVar": "32,133,790",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "14%"
}
},
"2020": {
"input_variables": {
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"Debt": "722,495",
"Deposits": "27,495,816",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "217,156",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "48,237",
"Operating Expenses": "58,108",
"Other Assets": "34,612,777",
"Other Compr. Net Income": "-17,325",
"Other Expenses": "173,486",
"Other Liabilities": "3,809,170",
"Other Net Income": "663,376",
"Other Revenues": "43,172",
"Professional Fees": "11,708",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "35,010,493",
"Liabilities": "32,027,481",
"Expenses": "508,695",
"Revenues": "43,172",
"Stockholders Equity": "2,983,012",
"Net Income": "197,853",
"Comprehensive Net Income": "180,528",
"BaseVar": "34,135,271",
"ECR before LimitedLiability": "5.0%",
"Economic Capital Ratio": "13%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "314,857",
"Debt": "721,416",
"Deposits": "29,438,102",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "243,532",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "47,944",
"Operating Expenses": "67,500",
"Other Assets": "35,500,539",
"Other Compr. Net Income": "33,212",
"Other Expenses": "208,614",
"Other Liabilities": "2,618,117",
"Other Net Income": "893,647",
"Other Revenues": "103,313",
"Professional Fees": "14,386",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "32,777,635",
"Expenses": "581,976",
"Revenues": "103,313",
"Stockholders Equity": "3,037,761",
"Net Income": "414,984",
"Comprehensive Net Income": "448,196",
"BaseVar": "35,102,590",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
"2022": {
"input_variables": {
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"Debt": "720,923",
"Deposits": "27,509,334",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "265,548",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "45,400",
"Operating Expenses": "77,103",
"Other Assets": "36,454,065",
"Other Compr. Net Income": "-421,965",
"Other Expenses": "230,690",
"Other Liabilities": "6,360,474",
"Other Net Income": "819,431",
"Other Revenues": "96,011",
"Professional Fees": "11,730",
"Securities": "0",
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},
"output_variables": {
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"Revenues": "96,011",
"Stockholders Equity": "2,435,981",
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"Comprehensive Net Income": "-136,994",
"BaseVar": "36,792,660",
"ECR before LimitedLiability": "3.0%",
"Economic Capital Ratio": "11%"
}
},
"2023": {
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"Debt": "708,973",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "280,744",
"Loans": "0",
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"Operating Expenses": "79,984",
"Other Assets": "35,173,324",
"Other Compr. Net Income": "80,484",
"Other Expenses": "276,107",
"Other Liabilities": "5,936,235",
"Other Net Income": "772,434",
"Other Revenues": "100,601",
"Professional Fees": "14,184",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "33,183,686",
"Expenses": "694,364",
"Revenues": "100,601",
"Stockholders Equity": "2,577,921",
"Net Income": "178,671",
"Comprehensive Net Income": "259,155",
"BaseVar": "35,296,588",
"ECR before LimitedLiability": "4.5%",
"Economic Capital Ratio": "13%"
}
},
"2024": {
"input_variables": {
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"Debt": "708,553",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "315,604",
"Loans": "0",
"Notes Receivable": "24,074,827",
"Occupancy": "45,560",
"Operating Expenses": "82,978",
"Other Assets": "10,675,799",
"Other Compr. Net Income": "72,880",
"Other Expenses": "264,630",
"Other Liabilities": "3,853,168",
"Other Net Income": "861,321",
"Other Revenues": "97,028",
"Professional Fees": "17,110",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "32,427,424",
"Expenses": "725,882",
"Revenues": "97,028",
"Stockholders Equity": "2,814,318",
"Net Income": "232,467",
"Comprehensive Net Income": "305,347",
"BaseVar": "34,713,138",
"ECR before LimitedLiability": "5.1%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 13.0,
"value": 0.13055930441647146,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001504008.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001504008.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001504008.svg"
},
{
"company_id": "0001157647",
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"name": "Western New England Bancorp Inc",
"rank": 47,
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"report_text": "The relative strengths and weaknesses of Western New England Bancorp Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Western New England Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 7.1% points.The greatest weakness of Western New England Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.3% points below the market average of 16%.",
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},
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{
"company_id": "0001070524",
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"name": "Greene County Bancorp INC",
"rank": 48,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001070524.svg",
"report_text": "The relative strengths and weaknesses of Greene County Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Greene County Bancorp INC compared to the market average is the variable Expenses, increasing the Economic Capital Ratio by 5.0% points.The greatest weakness of Greene County Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 23% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.5% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001070524_2025_Greene_County_Bancorp_INC.pdf",
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"Economic Capital Ratio": "-3.33"
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}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001070524_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "738,887",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "522,764",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "346,017",
"Other Compr. Net Income": "73",
"Other Expenses": "2,679",
"Other Liabilities": "55,593",
"Other Net Income": "11,642",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "868,781",
"Liabilities": "794,480",
"Expenses": "2,679",
"Revenues": "0",
"Stockholders Equity": "74,301",
"Net Income": "8,963",
"Comprehensive Net Income": "9,036",
"BaseVar": "838,828",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "859,535",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "624,187",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "358,104",
"Other Compr. Net Income": "-267",
"Other Expenses": "3,741",
"Other Liabilities": "39,235",
"Other Net Income": "14,928",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "982,291",
"Liabilities": "898,770",
"Expenses": "3,741",
"Revenues": "0",
"Stockholders Equity": "83,521",
"Net Income": "11,187",
"Comprehensive Net Income": "10,920",
"BaseVar": "949,998",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,025,234",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "704,431",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "447,047",
"Other Compr. Net Income": "-372",
"Other Expenses": "4,095",
"Other Liabilities": "30,053",
"Other Net Income": "18,503",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,151,478",
"Liabilities": "1,055,287",
"Expenses": "4,095",
"Revenues": "0",
"Stockholders Equity": "96,191",
"Net Income": "14,408",
"Comprehensive Net Income": "14,036",
"BaseVar": "1,114,868",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,120,569",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "785,738",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "483,724",
"Other Compr. Net Income": "731",
"Other Expenses": "3,542",
"Other Liabilities": "36,524",
"Other Net Income": "21,026",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,269,462",
"Liabilities": "1,157,093",
"Expenses": "3,542",
"Revenues": "0",
"Stockholders Equity": "112,369",
"Net Income": "17,484",
"Comprehensive Net Income": "18,215",
"BaseVar": "1,225,927",
"ECR before LimitedLiability": "6.1%",
"Economic Capital Ratio": "14%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,501,075",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "993,522",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "683,281",
"Other Compr. Net Income": "578",
"Other Expenses": "3,029",
"Other Liabilities": "46,923",
"Other Net Income": "21,756",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,676,803",
"Liabilities": "1,547,998",
"Expenses": "3,029",
"Revenues": "0",
"Stockholders Equity": "128,805",
"Net Income": "18,727",
"Comprehensive Net Income": "19,305",
"BaseVar": "1,625,082",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,005,108",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,085,947",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,114,388",
"Other Compr. Net Income": "-733",
"Other Expenses": "3,673",
"Other Liabilities": "45,643",
"Other Net Income": "27,615",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,200,335",
"Liabilities": "2,050,751",
"Expenses": "3,673",
"Revenues": "0",
"Stockholders Equity": "149,584",
"Net Income": "23,942",
"Comprehensive Net Income": "23,209",
"BaseVar": "2,141,554",
"ECR before LimitedLiability": "4.6%",
"Economic Capital Ratio": "13%"
}
},
"2022": {
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"Debt": "0",
"Deposits": "2,212,604",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,229,355",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,342,385",
"Other Compr. Net Income": "-17,222",
"Other Expenses": "4,919",
"Other Liabilities": "201,422",
"Other Net Income": "32,905",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,571,740",
"Liabilities": "2,414,026",
"Expenses": "4,919",
"Revenues": "0",
"Stockholders Equity": "157,714",
"Net Income": "27,986",
"Comprehensive Net Income": "10,764",
"BaseVar": "2,520,406",
"ECR before LimitedLiability": "3.6%",
"Economic Capital Ratio": "12%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,389,222",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,480,229",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,345,559",
"Other Compr. Net Income": "1,698",
"Other Expenses": "2,050",
"Other Liabilities": "230,566",
"Other Net Income": "26,819",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,825,788",
"Liabilities": "2,619,788",
"Expenses": "2,050",
"Revenues": "0",
"Stockholders Equity": "206,000",
"Net Income": "24,769",
"Comprehensive Net Income": "26,467",
"BaseVar": "2,738,072",
"ECR before LimitedLiability": "4.8%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": null,
"value": 0.12803090146739843,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001070524.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001070524.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001070524.svg"
},
{
"company_id": "0001084961",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001084961.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001084961.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001084961.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001084961_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001084961_main_keyfigs.svg",
"name": "Encore Capital Group INC",
"rank": 49,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001084961.svg",
"report_text": "The relative strengths and weaknesses of Encore Capital Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Encore Capital Group INC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 8.6% points.The greatest weakness of Encore Capital Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 29% points.
The company's Economic Capital Ratio, given in the ranking table, is 13%, being 3.6% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001084961_2025_Encore_Capital_Group_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "-6.19",
"Liabilities": "8.17",
"Stockholders Equity": "-0.838",
"ECR before LimitedLiability": "0.889",
"Other Assets": "14.1",
"Notes Receivable": "-1.57",
"Loans": "-16.8",
"Deposits": "12.8",
"Other Liabilities": "-42.0",
"Debt": "4.54",
"Expenses": "-11.0",
"Revenues": "11.2",
"Comprehensive Net Income": "0.865",
"Selling and Marketing Expense": "1.18",
"General and Administrative Expense": "-1.48",
"Labor and Related Expense": "-4.93",
"Other Expenses": "8.18",
"Depreciation and Amortization": "-0.660",
"Operating Expenses": "-13.1",
"Other Revenues": "11.2",
"Other Net Income": "-4.92",
"Economic Capital Ratio": "-0.378"
},
"2017": {
"Notes Receivable": "-1.39",
"Assets": "-6.07",
"Liabilities": "7.92",
"Stockholders Equity": "-1.03",
"ECR before LimitedLiability": "1.93",
"Other Assets": "15.1",
"Loans": "-17.5",
"Other Liabilities": "-43.1",
"Debt": "3.68",
"Deposits": "13.6",
"Expenses": "-11.0",
"Revenues": "11.7",
"Net Income": "1.26",
"Other Expenses": "9.12",
"Operating Expenses": "-12.6",
"Labor and Related Expense": "-4.44",
"General and Administrative Expense": "-2.04",
"Other Revenues": "11.7",
"Comprehensive Net Income": "1.85",
"Other Net Income": "-4.15",
"Economic Capital Ratio": "1.23"
},
"2018": {
"Other Assets": "16.0",
"Assets": "-6.61",
"Liabilities": "8.94",
"Stockholders Equity": "-0.964",
"ECR before LimitedLiability": "1.34",
"Notes Receivable": "-1.24",
"Loans": "-18.9",
"Deposits": "14.1",
"Other Liabilities": "-43.6",
"Debt": "3.25",
"Expenses": "-12.6",
"Revenues": "13.0",
"Net Income": "1.43",
"Labor and Related Expense": "-5.25",
"Other Expenses": "9.55",
"Operating Expenses": "-15.2",
"General and Administrative Expense": "-2.25",
"Other Revenues": "13.0",
"Comprehensive Net Income": "1.08",
"Other Net Income": "-5.01",
"Economic Capital Ratio": "1.07"
},
"2019": {
"Other Assets": "17.9",
"Assets": "-5.88",
"Liabilities": "9.48",
"Stockholders Equity": "0.959",
"ECR before LimitedLiability": "4.39",
"Notes Receivable": "-2.21",
"Loans": "-18.2",
"Deposits": "15.6",
"Debt": "4.63",
"Other Liabilities": "-44.6",
"General and Administrative Expense": "-1.84",
"Expenses": "-12.9",
"Revenues": "14.6",
"Net Income": "1.86",
"Other Expenses": "9.74",
"Operating Expenses": "-16.3",
"Labor and Related Expense": "-5.26",
"Other Revenues": "14.6",
"Comprehensive Net Income": "2.10",
"Other Net Income": "-5.63",
"Economic Capital Ratio": "4.20"
},
"2020": {
"Notes Receivable": "-5.45",
"Assets": "-5.95",
"Liabilities": "10.1",
"Stockholders Equity": "1.90",
"ECR before LimitedLiability": "5.84",
"Other Assets": "17.8",
"Loans": "-14.5",
"Other Liabilities": "-38.4",
"Deposits": "16.8",
"Debt": "3.97",
"Expenses": "-14.3",
"Revenues": "16.6",
"Net Income": "2.47",
"General and Administrative Expense": "-1.89",
"Operating Expenses": "-17.6",
"Labor and Related Expense": "-5.62",
"Other Expenses": "8.79",
"Other Revenues": "16.6",
"Comprehensive Net Income": "2.79",
"Other Net Income": "-6.50",
"Economic Capital Ratio": "5.50"
},
"2021": {
"Assets": "-6.54",
"Liabilities": "11.2",
"Stockholders Equity": "2.40",
"ECR before LimitedLiability": "7.96",
"Loans": "-13.4",
"Other Assets": "18.7",
"Notes Receivable": "-6.82",
"Other Liabilities": "-44.2",
"Deposits": "19.4",
"Debt": "4.43",
"Expenses": "-17.1",
"Revenues": "19.4",
"Net Income": "4.24",
"Other Expenses": "8.90",
"Operating Expenses": "-20.4",
"Labor and Related Expense": "-6.42",
"General and Administrative Expense": "-1.77",
"Other Revenues": "19.4",
"Comprehensive Net Income": "4.65",
"Other Net Income": "-6.73",
"Economic Capital Ratio": "7.53"
},
"2022": {
"Loans": "-11.6",
"Assets": "-5.20",
"Liabilities": "10.7",
"Stockholders Equity": "3.18",
"ECR before LimitedLiability": "7.37",
"Other Assets": "18.8",
"Notes Receivable": "-9.47",
"Deposits": "16.4",
"Other Liabilities": "-37.7",
"Debt": "4.62",
"Labor and Related Expense": "-5.62",
"Expenses": "-15.7",
"Revenues": "16.3",
"Net Income": "2.87",
"General and Administrative Expense": "-1.81",
"Other Expenses": "8.33",
"Operating Expenses": "-18.0",
"Other Revenues": "16.3",
"Comprehensive Net Income": "2.85",
"Other Net Income": "-4.72",
"Economic Capital Ratio": "6.90"
},
"2023": {
"Assets": "-5.53",
"Liabilities": "5.54",
"Stockholders Equity": "1.87",
"Economic Capital Ratio": "-1.46",
"Notes Receivable": "-16.3",
"Loans": "-2.56",
"Other Assets": "12.7",
"Cash and Cash Equivalents": "-1.07",
"Other Liabilities": "-30.1",
"Deposits": "9.90",
"Debt": "5.11",
"Expenses": "-12.7",
"Revenues": "8.59",
"Net Income": "-2.67",
"Labor and Related Expense": "-5.42",
"Other Expenses": "6.06",
"Operating Expenses": "-17.3",
"Selling and Marketing Expense": "1.48",
"Other Revenues": "8.59",
"Other Net Income": "-4.67",
"Comprehensive Net Income": "-3.25"
},
"2024": {
"Assets": "-6.00",
"Liabilities": "4.47",
"ECR before LimitedLiability": "-1.06",
"Other Assets": "-9.32",
"Notes Receivable": "4.98",
"Loans": "-1.47",
"Debt": "4.34",
"Other Liabilities": "-29.0",
"Deposits": "8.60",
"Expenses": "-9.10",
"Net Income": "-1.19",
"Labor and Related Expense": "-5.65",
"Other Expenses": "5.85",
"General and Administrative Expense": "-1.17",
"Operating Expenses": "-14.4",
"Selling and Marketing Expense": "1.98",
"Other Revenues": "7.75",
"Revenues": "7.75",
"Comprehensive Net Income": "-1.81",
"Other Net Income": "-6.29",
"Economic Capital Ratio": "-3.59"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001084961_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "149,765",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "34,868",
"General and Administrative Expense": "134,046",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "281,097",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "787,744",
"Other Assets": "3,520,732",
"Other Compr. Net Income": "12,664",
"Other Expenses": "-411,806",
"Other Liabilities": "3,069,982",
"Other Net Income": "-186,492",
"Other Revenues": "1,029,258",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,670,497",
"Liabilities": "3,069,982",
"Expenses": "825,949",
"Revenues": "1,029,258",
"Stockholders Equity": "600,515",
"Net Income": "16,817",
"Comprehensive Net Income": "29,481",
"BaseVar": "4,397,421",
"ECR before LimitedLiability": "9.8%",
"Economic Capital Ratio": "17%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "212,139",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "39,977",
"General and Administrative Expense": "158,080",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "315,742",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "862,498",
"Other Assets": "4,278,573",
"Other Compr. Net Income": "31,805",
"Other Expenses": "-461,750",
"Other Liabilities": "3,766,801",
"Other Net Income": "-193,513",
"Other Revenues": "1,187,038",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,490,712",
"Liabilities": "3,766,801",
"Expenses": "914,547",
"Revenues": "1,187,038",
"Stockholders Equity": "723,911",
"Net Income": "78,978",
"Comprehensive Net Income": "110,783",
"BaseVar": "5,292,208",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "18%"
}
},
"2018": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "41,228",
"General and Administrative Expense": "158,352",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "369,064",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "956,730",
"Other Assets": "4,474,457",
"Other Compr. Net Income": "-27,481",
"Other Expenses": "-521,892",
"Other Liabilities": "3,812,187",
"Other Net Income": "-207,339",
"Other Revenues": "1,320,557",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,631,875",
"Liabilities": "3,812,187",
"Expenses": "1,003,482",
"Revenues": "1,320,557",
"Stockholders Equity": "819,688",
"Net Income": "109,736",
"Comprehensive Net Income": "82,255",
"BaseVar": "5,501,460",
"ECR before LimitedLiability": "12%",
"Economic Capital Ratio": "18%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "192,335",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "41,029",
"General and Administrative Expense": "148,256",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "376,365",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "951,336",
"Other Assets": "4,717,615",
"Other Compr. Net Income": "21,181",
"Other Expenses": "-533,317",
"Other Liabilities": "3,884,544",
"Other Net Income": "-253,211",
"Other Revenues": "1,405,789",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,909,950",
"Liabilities": "3,884,544",
"Expenses": "983,669",
"Revenues": "1,405,789",
"Stockholders Equity": "1,025,406",
"Net Income": "168,909",
"Comprehensive Net Income": "190,090",
"BaseVar": "5,729,172",
"ECR before LimitedLiability": "16%",
"Economic Capital Ratio": "21%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "189,184",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "42,780",
"General and Administrative Expense": "149,113",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "378,176",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "967,838",
"Other Assets": "4,675,339",
"Other Compr. Net Income": "19,277",
"Other Expenses": "-499,695",
"Other Liabilities": "3,644,447",
"Other Net Income": "-250,664",
"Other Revenues": "1,501,400",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,864,523",
"Liabilities": "3,644,447",
"Expenses": "1,038,212",
"Revenues": "1,501,400",
"Stockholders Equity": "1,220,076",
"Net Income": "212,524",
"Comprehensive Net Income": "231,801",
"BaseVar": "5,659,262",
"ECR before LimitedLiability": "20%",
"Economic Capital Ratio": "23%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "189,645",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "50,079",
"General and Administrative Expense": "137,695",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "385,178",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "981,227",
"Other Assets": "4,418,480",
"Other Compr. Net Income": "14,846",
"Other Expenses": "-487,612",
"Other Liabilities": "3,422,864",
"Other Net Income": "-196,731",
"Other Revenues": "1,614,499",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,608,125",
"Liabilities": "3,422,864",
"Expenses": "1,066,567",
"Revenues": "1,614,499",
"Stockholders Equity": "1,185,261",
"Net Income": "351,201",
"Comprehensive Net Income": "366,047",
"BaseVar": "5,461,816",
"ECR before LimitedLiability": "24%",
"Economic Capital Ratio": "26%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "143,912",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "50,494",
"General and Administrative Expense": "145,798",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "375,135",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "936,173",
"Other Assets": "4,364,448",
"Other Compr. Net Income": "-45,268",
"Other Expenses": "-455,002",
"Other Liabilities": "3,328,733",
"Other Net Income": "-151,185",
"Other Revenues": "1,398,347",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,508,360",
"Liabilities": "3,328,733",
"Expenses": "1,052,598",
"Revenues": "1,398,347",
"Stockholders Equity": "1,179,627",
"Net Income": "194,564",
"Comprehensive Net Income": "149,296",
"BaseVar": "5,242,246",
"ECR before LimitedLiability": "19%",
"Economic Capital Ratio": "23%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "158,364",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "41,737",
"General and Administrative Expense": "144,862",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "391,532",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,206,145",
"Other Assets": "4,472,122",
"Other Compr. Net Income": "-25,104",
"Other Expenses": "-551,903",
"Other Liabilities": "3,693,948",
"Other Net Income": "-196,799",
"Other Revenues": "1,222,680",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,630,486",
"Liabilities": "3,693,948",
"Expenses": "1,232,373",
"Revenues": "1,222,680",
"Stockholders Equity": "936,538",
"Net Income": "-206,492",
"Comprehensive Net Income": "-231,596",
"BaseVar": "5,500,695",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "199,865",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "32,434",
"General and Administrative Expense": "163,847",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "422,910",
"Loans": "0",
"Notes Receivable": "3,776,369",
"Occupancy": "0",
"Operating Expenses": "1,159,031",
"Other Assets": "813,495",
"Other Compr. Net Income": "-38,210",
"Other Expenses": "-576,162",
"Other Liabilities": "4,022,398",
"Other Net Income": "-253,545",
"Other Revenues": "1,316,361",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,789,729",
"Liabilities": "4,022,398",
"Expenses": "1,202,060",
"Revenues": "1,316,361",
"Stockholders Equity": "767,331",
"Net Income": "-139,244",
"Comprehensive Net Income": "-177,454",
"BaseVar": "5,811,152",
"ECR before LimitedLiability": "4.7%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 0.0,
"value": 0.12740949625875658,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001084961.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001084961.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001084961.svg"
},
{
"company_id": "0001391933",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001391933.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001391933.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001391933.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001391933_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001391933_main_keyfigs.svg",
"name": "Quaint OAK Bancorp INC",
"rank": 50,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001391933.svg",
"report_text": "The relative strengths and weaknesses of Quaint OAK Bancorp INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Quaint OAK Bancorp INC compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 6.4% points.The greatest weakness of Quaint OAK Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 20% points.
The company's Economic Capital Ratio, given in the ranking table, is 12%, being 4.0% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001391933_2025_Quaint_OAK_Bancorp_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "1.32",
"Liabilities": "-3.61",
"Stockholders Equity": "-2.10",
"ECR before LimitedLiability": "-2.11",
"Other Assets": "-7.23",
"Notes Receivable": "-1.44",
"Loans": "7.86",
"Deposits": "-13.9",
"Other Liabilities": "5.19",
"Debt": "3.86",
"Expenses": "5.17",
"Revenues": "-3.75",
"Net Income": "0.716",
"Selling and Marketing Expense": "1.04",
"General and Administrative Expense": "1.15",
"Labor and Related Expense": "0.610",
"Other Expenses": "-1.13",
"Operating Expenses": "3.20",
"Other Revenues": "-3.75",
"Comprehensive Net Income": "0.794",
"Economic Capital Ratio": "-3.38"
},
"2017": {
"Notes Receivable": "-1.37",
"Assets": "0.508",
"Liabilities": "-3.22",
"Stockholders Equity": "-2.48",
"ECR before LimitedLiability": "-2.42",
"Securities": "-0.596",
"Other Assets": "-7.28",
"Loans": "7.52",
"Other Liabilities": "4.40",
"Debt": "3.33",
"Deposits": "-10.5",
"Expenses": "3.99",
"Revenues": "-2.93",
"Net Income": "0.470",
"Selling and Marketing Expense": "0.544",
"Operating Expenses": "2.15",
"Labor and Related Expense": "0.611",
"General and Administrative Expense": "0.493",
"Other Revenues": "-2.93",
"Comprehensive Net Income": "0.510",
"Economic Capital Ratio": "-3.13"
},
"2018": {
"Liabilities": "-3.52",
"Stockholders Equity": "-3.04",
"ECR before LimitedLiability": "-3.27",
"Deposits": "-9.73",
"Other Liabilities": "3.74",
"Debt": "2.90",
"Expenses": "4.03",
"Comprehensive Net Income": "0.403",
"Labor and Related Expense": "0.544",
"Other Expenses": "0.787",
"Selling and Marketing Expense": "0.559",
"Operating Expenses": "1.32",
"Other Revenues": "-2.43",
"Revenues": "-2.43",
"Other Assets": "-7.40",
"Notes Receivable": "-1.22",
"Securities": "-0.493",
"Cash and Cash Equivalents": "2.72",
"Loans": "5.79",
"Other Net Income": "-0.797",
"Economic Capital Ratio": "-3.54"
},
"2019": {
"Liabilities": "-3.19",
"Stockholders Equity": "-2.61",
"ECR before LimitedLiability": "-3.11",
"Deposits": "-9.38",
"Debt": "4.38",
"Other Liabilities": "2.30",
"General and Administrative Expense": "0.384",
"Expenses": "3.43",
"Other Expenses": "0.457",
"Operating Expenses": "0.646",
"Selling and Marketing Expense": "0.735",
"Labor and Related Expense": "0.610",
"Other Revenues": "-2.46",
"Revenues": "-2.46",
"Other Assets": "-6.27",
"Cash and Cash Equivalents": "0.431",
"Notes Receivable": "-2.24",
"Loans": "6.50",
"Securities": "-0.488",
"Economic Capital Ratio": "-3.30",
"Other Net Income": "-0.501"
},
"2020": {
"Notes Receivable": "-5.41",
"Assets": "-1.05",
"Liabilities": "-3.97",
"Stockholders Equity": "-4.62",
"Other Assets": "-6.64",
"Loans": "6.70",
"Other Liabilities": "2.24",
"Deposits": "-9.31",
"Debt": "3.17",
"Expenses": "2.31",
"Revenues": "-3.43",
"Net Income": "-0.626",
"General and Administrative Expense": "0.564",
"Selling and Marketing Expense": "0.726",
"Operating Expenses": "1.30",
"Labor and Related Expense": "-0.659",
"Other Revenues": "-3.43",
"ECR before LimitedLiability": "-5.87",
"Comprehensive Net Income": "-0.581",
"Other Net Income": "0.898",
"Economic Capital Ratio": "-6.21"
},
"2021": {
"Assets": "-1.24",
"Liabilities": "-3.23",
"Stockholders Equity": "-4.15",
"Loans": "7.76",
"Other Assets": "-4.85",
"Notes Receivable": "-6.19",
"Cash and Cash Equivalents": "-1.90",
"Other Liabilities": "3.77",
"Deposits": "-11.2",
"Debt": "3.75",
"Expenses": "1.03",
"Revenues": "-3.95",
"Net Income": "-1.16",
"Operating Expenses": "1.15",
"Labor and Related Expense": "-1.33",
"General and Administrative Expense": "0.750",
"Other Revenues": "-3.95",
"ECR before LimitedLiability": "-6.09",
"Comprehensive Net Income": "-1.09",
"Other Net Income": "2.24",
"Economic Capital Ratio": "-6.52"
},
"2022": {
"Loans": "9.75",
"Assets": "-0.699",
"Liabilities": "-3.44",
"Stockholders Equity": "-3.84",
"Other Assets": "-5.47",
"Cash and Cash Equivalents": "-1.35",
"Notes Receivable": "-8.64",
"Deposits": "-7.69",
"Debt": "3.26",
"Labor and Related Expense": "-0.989",
"Expenses": "1.81",
"Revenues": "-3.49",
"Comprehensive Net Income": "0.554",
"General and Administrative Expense": "0.766",
"Selling and Marketing Expense": "0.816",
"Operating Expenses": "1.59",
"Other Revenues": "-3.49",
"ECR before LimitedLiability": "-3.65",
"Other Compr. Net Income": "0.492",
"Other Net Income": "2.22",
"Economic Capital Ratio": "-4.12"
},
"2023": {
"Assets": "0.880",
"Liabilities": "-3.99",
"Stockholders Equity": "-2.97",
"Notes Receivable": "6.40",
"Loans": "-2.35",
"Other Assets": "-8.71",
"Cash and Cash Equivalents": "1.47",
"Other Liabilities": "3.31",
"Deposits": "-17.3",
"Debt": "2.74",
"Expenses": "2.72",
"ECR before LimitedLiability": "-2.00",
"Labor and Related Expense": "-1.25",
"Other Expenses": "-1.00",
"Operating Expenses": "2.68",
"Selling and Marketing Expense": "1.29",
"General and Administrative Expense": "1.57",
"Other Revenues": "-5.14",
"Revenues": "-5.14",
"Economic Capital Ratio": "-3.90",
"Other Net Income": "2.06"
},
"2024": {
"Assets": "1.71",
"Liabilities": "-4.89",
"Stockholders Equity": "-3.04",
"Other Assets": "-8.08",
"Notes Receivable": "6.41",
"Loans": "-1.20",
"Cash and Cash Equivalents": "2.04",
"Debt": "3.84",
"Other Liabilities": "4.25",
"Deposits": "-19.5",
"Expenses": "4.09",
"Revenues": "-5.72",
"Net Income": "1.29",
"General and Administrative Expense": "1.57",
"Operating Expenses": "3.83",
"Selling and Marketing Expense": "1.57",
"Other Revenues": "-5.72",
"ECR before LimitedLiability": "-1.51",
"Comprehensive Net Income": "1.34",
"Other Net Income": "1.07",
"Economic Capital Ratio": "-4.04"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001391933_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "9,300",
"Debt": "0",
"Deposits": "177,007",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "142",
"Labor and Related Expense": "0",
"Loans": "176,807",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "30,056",
"Other Compr. Net Income": "-26",
"Other Expenses": "736",
"Other Liabilities": "18,224",
"Other Net Income": "2,234",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "216,163",
"Liabilities": "195,373",
"Expenses": "736",
"Revenues": "0",
"Stockholders Equity": "20,790",
"Net Income": "1,498",
"Comprehensive Net Income": "1,472",
"BaseVar": "207,266",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "14%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "7,910",
"Debt": "0",
"Deposits": "186,221",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "167",
"Labor and Related Expense": "0",
"Loans": "201,667",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "30,019",
"Other Compr. Net Income": "25",
"Other Expenses": "1,205",
"Other Liabilities": "31,023",
"Other Net Income": "2,672",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "239,596",
"Liabilities": "217,411",
"Expenses": "1,205",
"Revenues": "0",
"Stockholders Equity": "22,185",
"Net Income": "1,467",
"Comprehensive Net Income": "1,492",
"BaseVar": "230,454",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "26,012",
"Debt": "0",
"Deposits": "211,911",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "221",
"Labor and Related Expense": "0",
"Loans": "216,898",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "28,494",
"Other Compr. Net Income": "13",
"Other Expenses": "667",
"Other Liabilities": "35,436",
"Other Net Income": "2,671",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "271,404",
"Liabilities": "247,568",
"Expenses": "667",
"Revenues": "0",
"Stockholders Equity": "23,836",
"Net Income": "2,004",
"Comprehensive Net Income": "2,017",
"BaseVar": "261,162",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "14,555",
"Debt": "0",
"Deposits": "227,458",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "314",
"Labor and Related Expense": "0",
"Loans": "246,692",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "41,293",
"Other Compr. Net Income": "22",
"Other Expenses": "950",
"Other Liabilities": "48,861",
"Other Net Income": "3,427",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "302,540",
"Liabilities": "276,633",
"Expenses": "950",
"Revenues": "0",
"Stockholders Equity": "25,907",
"Net Income": "2,477",
"Comprehensive Net Income": "2,499",
"BaseVar": "291,786",
"ECR before LimitedLiability": "5.3%",
"Economic Capital Ratio": "13%"
}
},
"2020": {
"input_variables": {
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"Debt": "0",
"Deposits": "354,845",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "362",
"Labor and Related Expense": "8,427",
"Loans": "359,122",
"Notes Receivable": "0",
"Occupancy": "913",
"Operating Expenses": "0",
"Other Assets": "91,040",
"Other Compr. Net Income": "98",
"Other Expenses": "3,534",
"Other Liabilities": "100,140",
"Other Net Income": "14,732",
"Other Revenues": "80",
"Professional Fees": "541",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "484,075",
"Liabilities": "455,347",
"Expenses": "13,415",
"Revenues": "80",
"Stockholders Equity": "28,728",
"Net Income": "1,397",
"Comprehensive Net Income": "1,495",
"BaseVar": "483,874",
"ECR before LimitedLiability": "3.4%",
"Economic Capital Ratio": "12%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "10,705",
"Debt": "0",
"Deposits": "447,166",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "174",
"Labor and Related Expense": "15,538",
"Loans": "403,966",
"Notes Receivable": "0",
"Occupancy": "1,621",
"Operating Expenses": "0",
"Other Assets": "139,444",
"Other Compr. Net Income": "-513",
"Other Expenses": "5,761",
"Other Liabilities": "69,866",
"Other Net Income": "27,245",
"Other Revenues": "83",
"Professional Fees": "659",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "554,115",
"Liabilities": "517,206",
"Expenses": "23,579",
"Revenues": "83",
"Stockholders Equity": "36,909",
"Net Income": "3,749",
"Comprehensive Net Income": "3,236",
"BaseVar": "561,370",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "12%"
}
},
"2022": {
"input_variables": {
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"Debt": "0",
"Deposits": "549,248",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "584",
"Labor and Related Expense": "20,137",
"Loans": "621,864",
"Notes Receivable": "0",
"Occupancy": "1,904",
"Operating Expenses": "0",
"Other Assets": "166,593",
"Other Compr. Net Income": "-2,495",
"Other Expenses": "7,525",
"Other Liabilities": "193,436",
"Other Net Income": "34,617",
"Other Revenues": "89",
"Professional Fees": "748",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "792,350",
"Liabilities": "743,268",
"Expenses": "30,314",
"Revenues": "89",
"Stockholders Equity": "49,082",
"Net Income": "4,392",
"Comprehensive Net Income": "1,897",
"BaseVar": "801,566",
"ECR before LimitedLiability": "3.4%",
"Economic Capital Ratio": "12%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "62,127",
"Debt": "0",
"Deposits": "631,699",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "1,106",
"Labor and Related Expense": "20,973",
"Loans": "0",
"Notes Receivable": "603,349",
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The greatest strength of Finward Bancorp compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 5.5% points.The greatest weakness of Finward Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 24% points.
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"Revenues": "-2.81",
"Comprehensive Net Income": "-0.292",
"Other Net Income": "0.219",
"Economic Capital Ratio": "-1.56"
},
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"Notes Receivable": "-5.26",
"Cash and Cash Equivalents": "-1.81",
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"Expenses": "2.51",
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"Net Income": "-0.795",
"Operating Expenses": "0.949",
"General and Administrative Expense": "0.620",
"Other Revenues": "-3.32",
"Comprehensive Net Income": "-0.618",
"Other Net Income": "0.313",
"Economic Capital Ratio": "-2.87"
},
"2022": {
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"Assets": "1.74",
"Liabilities": "-3.11",
"Stockholders Equity": "-1.24",
"ECR before LimitedLiability": "-1.34",
"Other Assets": "-1.90",
"Cash and Cash Equivalents": "-0.835",
"Notes Receivable": "11.2",
"Deposits": "-12.5",
"Other Liabilities": "6.03",
"Debt": "-1.23",
"Labor and Related Expense": "1.15",
"Expenses": "4.73",
"Revenues": "-3.10",
"Comprehensive Net Income": "0.353",
"General and Administrative Expense": "0.667",
"Selling and Marketing Expense": "0.709",
"Operating Expenses": "1.38",
"Other Revenues": "-3.10",
"Other Net Income": "-0.587",
"Economic Capital Ratio": "-1.81"
},
"2023": {
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"Liabilities": "-3.98",
"Stockholders Equity": "-0.898",
"ECR before LimitedLiability": "0.735",
"Notes Receivable": "6.73",
"Loans": "-1.96",
"Other Assets": "-3.08",
"Cash and Cash Equivalents": "-1.48",
"Other Liabilities": "6.13",
"Deposits": "-11.2",
"Debt": "-4.10",
"Expenses": "5.50",
"Revenues": "-4.50",
"Net Income": "1.32",
"Labor and Related Expense": "1.13",
"Operating Expenses": "3.24",
"Selling and Marketing Expense": "1.10",
"General and Administrative Expense": "1.33",
"Other Revenues": "-4.50",
"Comprehensive Net Income": "1.03",
"Economic Capital Ratio": "-1.17"
},
"2024": {
"Assets": "3.61",
"Liabilities": "-5.36",
"Stockholders Equity": "-2.00",
"Other Assets": "-4.28",
"Notes Receivable": "5.96",
"Loans": "-1.17",
"Cash and Cash Equivalents": "-1.50",
"Debt": "-5.60",
"Other Liabilities": "5.18",
"Deposits": "-12.2",
"Expenses": "4.59",
"ECR before LimitedLiability": "-1.58",
"Labor and Related Expense": "1.28",
"Other Expenses": "0.727",
"General and Administrative Expense": "1.54",
"Operating Expenses": "3.76",
"Selling and Marketing Expense": "1.53",
"Other Revenues": "-5.61",
"Revenues": "-5.61",
"Economic Capital Ratio": "-4.12",
"Other Net Income": "-2.66"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001617242_strength_weakness.svg",
"table_records": {
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"Debt": "1,198,646",
"Deposits": "4,073,604",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,980,527",
"Other Compr. Net Income": "16,110",
"Other Expenses": "14,404",
"Other Liabilities": "38,876",
"Other Net Income": "34,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "5,311,126",
"Expenses": "14,404",
"Revenues": "0",
"Stockholders Equity": "1,268,748",
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"BaseVar": "5,977,757",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "18%"
}
},
"2019": {
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"Interest Expense": "0",
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"Operating Expenses": "0",
"Other Assets": "1,950,240",
"Other Compr. Net Income": "-15,696",
"Other Expenses": "45,870",
"Other Liabilities": "38,078",
"Other Net Income": "152,003",
"Other Revenues": "6,814",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "3,051"
},
"output_variables": {
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"Liabilities": "5,507,670",
"Expenses": "123,170",
"Revenues": "6,814",
"Stockholders Equity": "1,127,159",
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"BaseVar": "6,220,091",
"ECR before LimitedLiability": "9.6%",
"Economic Capital Ratio": "17%"
}
},
"2020": {
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"Interest Expense": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "-1,582",
"Other Expenses": "43,684",
"Other Liabilities": "70,551",
"Other Net Income": "150,565",
"Other Revenues": "6,419",
"Professional Fees": "0",
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},
"output_variables": {
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"Expenses": "119,911",
"Revenues": "6,419",
"Stockholders Equity": "1,084,177",
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"BaseVar": "6,355,325",
"ECR before LimitedLiability": "9.3%",
"Economic Capital Ratio": "16%"
}
},
"2021": {
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"Interest Expense": "0",
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"Operating Expenses": "0",
"Other Assets": "2,422,651",
"Other Compr. Net Income": "4,887",
"Other Expenses": "63,514",
"Other Liabilities": "69,609",
"Other Net Income": "200,466",
"Other Revenues": "9,915",
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},
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"ECR before LimitedLiability": "8.7%",
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}
},
"2022": {
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},
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}
},
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"Other Expenses": "11,568",
"Other Liabilities": "59,536",
"Other Net Income": "52,379",
"Other Revenues": "0",
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},
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"Economic Capital Ratio": "14%"
}
},
"2024": {
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"Debt": "1,709,789",
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},
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"ECR before LimitedLiability": "4.1%",
"Economic Capital Ratio": "12%"
}
}
},
"top_rated": false,
"trend": -7.0,
"value": 0.12215661064477937,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001617242.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001617242.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001617242.svg"
},
{
"company_id": "0001698022",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001698022.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001698022.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001698022.jpg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001698022_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001698022_main_keyfigs.svg",
"name": "Farmers Merchants Bancshares Inc",
"rank": 53,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001698022.svg",
"report_text": "The relative strengths and weaknesses of Farmers Merchants Bancshares Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Farmers Merchants Bancshares Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 5.1% points.The greatest weakness of Farmers Merchants Bancshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 27% points.
The company's Economic Capital Ratio, given in the ranking table, is 12%, being 4.2% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001698022_2025_Farmers_Merchants_Bancshares_Inc.pdf",
"shrinked_graph_json": {
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"Assets": "0.652",
"Liabilities": "-2.85",
"Stockholders Equity": "-1.97",
"ECR before LimitedLiability": "-1.68",
"Securities": "-0.571",
"Cash and Cash Equivalents": "-0.932",
"Other Assets": "-6.26",
"Loans": "7.62",
"Other Liabilities": "5.60",
"Debt": "3.24",
"Deposits": "-11.6",
"Expenses": "3.86",
"Revenues": "-2.85",
"Net Income": "0.734",
"Selling and Marketing Expense": "0.526",
"Operating Expenses": "2.08",
"Labor and Related Expense": "0.591",
"Other Revenues": "-2.85",
"Comprehensive Net Income": "0.754",
"Economic Capital Ratio": "-2.38"
},
"2018": {
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"Assets": "0.509",
"Liabilities": "-2.86",
"Stockholders Equity": "-2.11",
"ECR before LimitedLiability": "-2.06",
"Notes Receivable": "-1.14",
"Cash and Cash Equivalents": "-1.22",
"Loans": "6.98",
"Deposits": "-14.1",
"Other Liabilities": "6.12",
"Debt": "2.79",
"Expenses": "3.78",
"Revenues": "-2.32",
"Net Income": "0.609",
"Labor and Related Expense": "0.515",
"Other Expenses": "0.727",
"Selling and Marketing Expense": "0.529",
"Operating Expenses": "1.25",
"Other Revenues": "-2.32",
"Comprehensive Net Income": "0.671",
"Economic Capital Ratio": "-2.33"
},
"2019": {
"Other Assets": "-4.50",
"Assets": "0.808",
"Liabilities": "-2.46",
"Expenses": "3.27",
"Revenues": "-2.33",
"Stockholders Equity": "-1.45",
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"Notes Receivable": "-2.07",
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"Other Expenses": "0.490",
"Operating Expenses": "0.604",
"Selling and Marketing Expense": "0.687",
"Labor and Related Expense": "0.570",
"Other Revenues": "-2.33",
"Economic Capital Ratio": "-1.87"
},
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"Liabilities": "-3.61",
"Stockholders Equity": "-3.80",
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"Deposits": "-15.7",
"Debt": "2.48",
"Expenses": "2.57",
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"Selling and Marketing Expense": "0.695",
"Operating Expenses": "1.24",
"Other Revenues": "-3.29",
"ECR before LimitedLiability": "-5.01",
"Comprehensive Net Income": "-0.487",
"Other Net Income": "0.523",
"Economic Capital Ratio": "-5.35"
},
"2021": {
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"Liabilities": "-3.48",
"Stockholders Equity": "-3.47",
"ECR before LimitedLiability": "-5.38",
"Deposits": "-15.8",
"Debt": "2.53",
"Selling and Marketing Expense": "0.704",
"Expenses": "2.71",
"Net Income": "-0.795",
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"Operating Expenses": "1.09",
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"Notes Receivable": "-5.92",
"Cash and Cash Equivalents": "-2.46",
"Comprehensive Net Income": "-0.894",
"Other Net Income": "0.762",
"Economic Capital Ratio": "-5.82"
},
"2022": {
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"Liabilities": "-3.52",
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"Revenues": "-3.64",
"Comprehensive Net Income": "-0.750",
"General and Administrative Expense": "0.803",
"Other Expenses": "-0.689",
"Selling and Marketing Expense": "0.854",
"Operating Expenses": "1.66",
"Other Revenues": "-3.64",
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"Other Assets": "-3.40",
"Cash and Cash Equivalents": "-1.63",
"Notes Receivable": "-9.01",
"Other Compr. Net Income": "-1.23",
"Other Net Income": "1.42",
"Economic Capital Ratio": "-5.20"
},
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"Other Expenses": "-1.01",
"Operating Expenses": "3.59",
"Selling and Marketing Expense": "1.21",
"General and Administrative Expense": "1.48",
"Other Revenues": "-4.85",
"Economic Capital Ratio": "-2.87",
"Other Net Income": "1.34",
"Comprehensive Net Income": "1.36"
},
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"Assets": "1.90",
"Liabilities": "-5.45",
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"Notes Receivable": "4.59",
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"Debt": "3.69",
"Other Liabilities": "5.06",
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"ECR before LimitedLiability": "-1.65",
"Comprehensive Net Income": "1.69",
"Economic Capital Ratio": "-4.19"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001698022_strength_weakness.svg",
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"General and Administrative Expense": "0",
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"Labor and Related Expense": "0",
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"Other Compr. Net Income": "-49",
"Other Expenses": "2,002",
"Other Liabilities": "41,128",
"Other Net Income": "5,792",
"Other Revenues": "0",
"Professional Fees": "0",
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},
"output_variables": {
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"Revenues": "0",
"Stockholders Equity": "41,799",
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"Comprehensive Net Income": "3,740",
"BaseVar": "385,926",
"ECR before LimitedLiability": "6.5%",
"Economic Capital Ratio": "14%"
}
},
"2018": {
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"Debt": "0",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "311",
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"Other Compr. Net Income": "-185",
"Other Expenses": "1,106",
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"Other Net Income": "5,819",
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},
"output_variables": {
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"ECR before LimitedLiability": "6.9%",
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}
},
"2019": {
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"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "442,215",
"Liabilities": "392,762",
"Expenses": "1,039",
"Revenues": "0",
"Stockholders Equity": "49,454",
"Net Income": "4,561",
"Comprehensive Net Income": "5,172",
"BaseVar": "421,114",
"ECR before LimitedLiability": "7.2%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "16,973",
"Deposits": "573,402",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "410",
"Labor and Related Expense": "6,137",
"Loans": "521,691",
"Notes Receivable": "0",
"Occupancy": "758",
"Operating Expenses": "0",
"Other Assets": "155,627",
"Other Compr. Net Income": "664",
"Other Expenses": "9,174",
"Other Liabilities": "34,803",
"Other Net Income": "17,840",
"Other Revenues": "188",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "677,317",
"Liabilities": "625,588",
"Expenses": "16,070",
"Revenues": "188",
"Stockholders Equity": "51,729",
"Net Income": "1,959",
"Comprehensive Net Income": "2,623",
"BaseVar": "668,833",
"ECR before LimitedLiability": "4.4%",
"Economic Capital Ratio": "12%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "16,979",
"Deposits": "626,415",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "296",
"Labor and Related Expense": "7,215",
"Loans": "482,011",
"Notes Receivable": "0",
"Occupancy": "949",
"Operating Expenses": "0",
"Other Assets": "234,666",
"Other Compr. Net Income": "-2,101",
"Other Expenses": "7,982",
"Other Liabilities": "16,366",
"Other Net Income": "23,757",
"Other Revenues": "230",
"Professional Fees": "416",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "716,677",
"Liabilities": "660,056",
"Expenses": "16,561",
"Revenues": "230",
"Stockholders Equity": "56,621",
"Net Income": "7,426",
"Comprehensive Net Income": "5,324",
"BaseVar": "709,691",
"ECR before LimitedLiability": "4.9%",
"Economic Capital Ratio": "13%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "15,096",
"Deposits": "623,611",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "350",
"Labor and Related Expense": "7,865",
"Loans": "516,921",
"Notes Receivable": "0",
"Occupancy": "891",
"Operating Expenses": "0",
"Other Assets": "201,290",
"Other Compr. Net Income": "-15,711",
"Other Expenses": "8,201",
"Other Liabilities": "31,379",
"Other Net Income": "24,935",
"Other Revenues": "229",
"Professional Fees": "895",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "718,211",
"Liabilities": "670,436",
"Expenses": "17,852",
"Revenues": "229",
"Stockholders Equity": "47,775",
"Net Income": "7,312",
"Comprehensive Net Income": "-8,399",
"BaseVar": "723,687",
"ECR before LimitedLiability": "2.2%",
"Economic Capital Ratio": "11%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "13,212",
"Deposits": "680,963",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "1,483",
"Labor and Related Expense": "7,545",
"Loans": "0",
"Notes Receivable": "523,308",
"Occupancy": "875",
"Operating Expenses": "0",
"Other Assets": "276,633",
"Other Compr. Net Income": "-578",
"Other Expenses": "8,097",
"Other Liabilities": "52,105",
"Other Net Income": "22,112",
"Other Revenues": "345",
"Professional Fees": "642",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "799,941",
"Liabilities": "747,763",
"Expenses": "17,159",
"Revenues": "345",
"Stockholders Equity": "52,178",
"Net Income": "5,298",
"Comprehensive Net Income": "4,720",
"BaseVar": "793,949",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "12%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "11,329",
"Deposits": "758,806",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "1,003",
"Labor and Related Expense": "7,854",
"Loans": "0",
"Notes Receivable": "582,993",
"Occupancy": "1,070",
"Operating Expenses": "0",
"Other Assets": "261,650",
"Other Compr. Net Income": "1,175",
"Other Expenses": "8,371",
"Other Liabilities": "17,233",
"Other Net Income": "20,914",
"Other Revenues": "394",
"Professional Fees": "865",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "844,643",
"Liabilities": "788,371",
"Expenses": "18,160",
"Revenues": "394",
"Stockholders Equity": "56,272",
"Net Income": "3,148",
"Comprehensive Net Income": "4,323",
"BaseVar": "836,828",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "12%"
}
}
},
"top_rated": false,
"trend": 9.0,
"value": 0.12146146812452926,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001698022.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001698022.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001698022.svg"
},
{
"company_id": "0001408534",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001408534.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001408534.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001408534.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001408534_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001408534_main_keyfigs.svg",
"name": "First Guaranty Bancshares Inc",
"rank": 54,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001408534.svg",
"report_text": "The relative strengths and weaknesses of First Guaranty Bancshares Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of First Guaranty Bancshares Inc compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 4.4% points.The greatest weakness of First Guaranty Bancshares Inc is the variable Deposits, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 12%, being 4.5% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001408534_2025_First_Guaranty_Bancshares_Inc.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-1.66",
"Assets": "0.899",
"Liabilities": "-3.84",
"Stockholders Equity": "-2.71",
"ECR before LimitedLiability": "-2.66",
"Securities": "7.55",
"Other Assets": "-9.85",
"Notes Receivable": "-1.49",
"Loans": "4.64",
"Deposits": "-17.5",
"Other Liabilities": "4.95",
"Debt": "3.95",
"Expenses": "4.64",
"Revenues": "-3.84",
"Net Income": "0.950",
"Selling and Marketing Expense": "1.07",
"General and Administrative Expense": "1.18",
"Other Expenses": "-1.27",
"Operating Expenses": "3.30",
"Other Revenues": "-3.84",
"Economic Capital Ratio": "-3.93"
},
"2017": {
"Other Liabilities": "5.02",
"Liabilities": "-3.47",
"Stockholders Equity": "-2.92",
"ECR before LimitedLiability": "-2.73",
"Debt": "3.36",
"Deposits": "-16.5",
"Expenses": "4.13",
"Net Income": "0.526",
"Selling and Marketing Expense": "0.552",
"Operating Expenses": "2.18",
"Labor and Related Expense": "0.620",
"General and Administrative Expense": "0.500",
"Other Revenues": "-2.97",
"Revenues": "-2.97",
"Notes Receivable": "-1.40",
"Securities": "6.49",
"Cash and Cash Equivalents": "-1.65",
"Other Assets": "-8.97",
"Loans": "4.67",
"Comprehensive Net Income": "0.680",
"Economic Capital Ratio": "-3.43"
},
"2018": {
"Liabilities": "-3.68",
"Other Assets": "-7.47",
"Stockholders Equity": "-3.38",
"Deposits": "-16.0",
"Other Liabilities": "4.74",
"Debt": "2.96",
"Expenses": "4.19",
"Revenues": "-2.49",
"Net Income": "0.339",
"Labor and Related Expense": "0.558",
"Other Expenses": "0.858",
"Selling and Marketing Expense": "0.574",
"Operating Expenses": "1.35",
"Other Revenues": "-2.49",
"ECR before LimitedLiability": "-3.79",
"Notes Receivable": "-1.26",
"Securities": "5.20",
"Cash and Cash Equivalents": "-1.35",
"Loans": "4.32",
"Other Net Income": "-0.830",
"Economic Capital Ratio": "-4.06"
},
"2019": {
"Other Assets": "-7.88",
"Assets": "-0.643",
"Liabilities": "-2.60",
"Stockholders Equity": "-3.02",
"ECR before LimitedLiability": "-3.19",
"Cash and Cash Equivalents": "-1.46",
"Notes Receivable": "-2.29",
"Loans": "4.90",
"Securities": "5.21",
"Deposits": "-15.3",
"Debt": "4.49",
"Other Liabilities": "4.96",
"General and Administrative Expense": "0.394",
"Expenses": "1.70",
"Operating Expenses": "0.662",
"Selling and Marketing Expense": "0.753",
"Labor and Related Expense": "-0.382",
"Other Revenues": "-2.22",
"Revenues": "-2.22",
"Economic Capital Ratio": "-3.38",
"Other Net Income": "0.786"
},
"2020": {
"Other Liabilities": "4.64",
"Liabilities": "-4.38",
"Stockholders Equity": "-3.81",
"Deposits": "-18.2",
"Debt": "3.61",
"Expenses": "4.16",
"ECR before LimitedLiability": "-4.88",
"General and Administrative Expense": "0.527",
"Selling and Marketing Expense": "0.677",
"Operating Expenses": "1.21",
"Labor and Related Expense": "0.860",
"Other Expenses": "0.521",
"Other Revenues": "-3.23",
"Revenues": "-3.23",
"Notes Receivable": "12.2",
"Other Assets": "-6.63",
"Loans": "-11.8",
"Cash and Cash Equivalents": "-2.15",
"Securities": "4.12",
"Economic Capital Ratio": "-5.22",
"Other Net Income": "-0.831"
},
"2021": {
"Other Liabilities": "4.82",
"Liabilities": "-4.27",
"Securities": "4.39",
"Stockholders Equity": "-3.40",
"Deposits": "-18.4",
"Debt": "3.60",
"Expenses": "4.36",
"Net Income": "-0.837",
"Operating Expenses": "1.07",
"Labor and Related Expense": "1.06",
"General and Administrative Expense": "0.701",
"Other Revenues": "-3.73",
"Revenues": "-3.73",
"ECR before LimitedLiability": "-5.48",
"Comprehensive Net Income": "-0.906",
"Loans": "-10.6",
"Other Assets": "-7.56",
"Notes Receivable": "12.3",
"Cash and Cash Equivalents": "-2.43",
"Other Net Income": "-1.01",
"Economic Capital Ratio": "-5.92"
},
"2022": {
"Loans": "-9.63",
"Assets": "1.05",
"Liabilities": "-4.28",
"Stockholders Equity": "-3.01",
"Other Assets": "-8.72",
"Cash and Cash Equivalents": "-1.41",
"Securities": "4.29",
"Notes Receivable": "11.7",
"Deposits": "-18.0",
"Other Liabilities": "4.52",
"Debt": "4.16",
"Labor and Related Expense": "1.22",
"Expenses": "4.18",
"Revenues": "-3.26",
"Comprehensive Net Income": "0.884",
"General and Administrative Expense": "0.709",
"Selling and Marketing Expense": "0.754",
"Operating Expenses": "1.47",
"Other Revenues": "-3.26",
"ECR before LimitedLiability": "-2.71",
"Economic Capital Ratio": "-3.18"
},
"2023": {
"Securities": "3.74",
"Assets": "2.56",
"Liabilities": "-5.10",
"Stockholders Equity": "-2.57",
"Notes Receivable": "6.54",
"Loans": "-2.15",
"Other Assets": "-7.91",
"Cash and Cash Equivalents": "-1.96",
"Other Liabilities": "4.15",
"Deposits": "-19.3",
"Debt": "3.70",
"Expenses": "4.07",
"Revenues": "-4.78",
"Net Income": "1.18",
"Labor and Related Expense": "1.22",
"Operating Expenses": "3.50",
"Selling and Marketing Expense": "1.19",
"General and Administrative Expense": "1.44",
"Other Revenues": "-4.78",
"Economic Capital Ratio": "-2.87",
"Comprehensive Net Income": "1.09"
},
"2024": {
"Securities": "3.68",
"Assets": "2.93",
"Liabilities": "-6.28",
"Stockholders Equity": "-3.42",
"Other Assets": "-6.57",
"Notes Receivable": "4.23",
"Cash and Cash Equivalents": "-1.85",
"Debt": "3.43",
"Other Liabilities": "4.38",
"Deposits": "-25.4",
"Expenses": "4.32",
"Revenues": "-5.66",
"Net Income": "1.44",
"General and Administrative Expense": "1.55",
"Operating Expenses": "3.41",
"Selling and Marketing Expense": "1.55",
"Other Revenues": "-5.66",
"ECR before LimitedLiability": "-1.94",
"Comprehensive Net Income": "1.49",
"Other Net Income": "-1.50",
"Economic Capital Ratio": "-4.47"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001408534_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,326,181",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "1,931",
"Labor and Related Expense": "0",
"Loans": "937,807",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "63,803",
"Other Compr. Net Income": "-3,098",
"Other Expenses": "7,164",
"Other Liabilities": "48,485",
"Other Net Income": "21,257",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "499,336",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,500,946",
"Liabilities": "1,376,597",
"Expenses": "7,164",
"Revenues": "0",
"Stockholders Equity": "124,349",
"Net Income": "14,093",
"Comprehensive Net Income": "10,995",
"BaseVar": "1,454,531",
"ECR before LimitedLiability": "5.1%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,549,286",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "2,488",
"Labor and Related Expense": "0",
"Loans": "1,139,789",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "108,985",
"Other Compr. Net Income": "2,443",
"Other Expenses": "7,399",
"Other Liabilities": "54,673",
"Other Net Income": "19,150",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "501,656",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,750,430",
"Liabilities": "1,606,447",
"Expenses": "7,399",
"Revenues": "0",
"Stockholders Equity": "143,983",
"Net Income": "11,751",
"Comprehensive Net Income": "14,194",
"BaseVar": "1,692,934",
"ECR before LimitedLiability": "5.1%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,629,622",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "3,952",
"Labor and Related Expense": "0",
"Loans": "1,214,492",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "197,416",
"Other Compr. Net Income": "-5,276",
"Other Expenses": "3,462",
"Other Liabilities": "36,353",
"Other Net Income": "17,675",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "405,303",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,817,211",
"Liabilities": "1,669,927",
"Expenses": "3,462",
"Revenues": "0",
"Stockholders Equity": "147,284",
"Net Income": "14,213",
"Comprehensive Net Income": "8,937",
"BaseVar": "1,756,776",
"ECR before LimitedLiability": "4.7%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,853,013",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,047",
"Labor and Related Expense": "25,019",
"Loans": "1,514,561",
"Notes Receivable": "0",
"Occupancy": "6,096",
"Operating Expenses": "0",
"Other Assets": "175,642",
"Other Compr. Net Income": "5,657",
"Other Expenses": "16,104",
"Other Liabilities": "92,121",
"Other Net Income": "56,817",
"Other Revenues": "8,299",
"Professional Fees": "0",
"Securities": "427,013",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "1,951,181",
"Expenses": "47,219",
"Revenues": "8,299",
"Stockholders Equity": "166,035",
"Net Income": "17,897",
"Comprehensive Net Income": "23,554",
"BaseVar": "2,093,194",
"ECR before LimitedLiability": "5.2%",
"Economic Capital Ratio": "13%"
}
},
"2020": {
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"Debt": "0",
"Deposits": "2,166,318",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "5,292",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,819,617",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "414,913",
"Other Compr. Net Income": "-1,528",
"Other Expenses": "5,219",
"Other Liabilities": "122,877",
"Other Net Income": "25,537",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "238,548",
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},
"output_variables": {
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"Liabilities": "2,294,487",
"Expenses": "5,219",
"Revenues": "0",
"Stockholders Equity": "178,591",
"Net Income": "20,318",
"Comprehensive Net Income": "18,790",
"BaseVar": "2,399,924",
"ECR before LimitedLiability": "4.5%",
"Economic Capital Ratio": "13%"
}
},
"2021": {
"input_variables": {
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"Debt": "0",
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"Loans": "0",
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"Other Assets": "378,634",
"Other Compr. Net Income": "-7,280",
"Other Expenses": "7,158",
"Other Liabilities": "53,259",
"Other Net Income": "34,455",
"Other Revenues": "0",
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},
"output_variables": {
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"Comprehensive Net Income": "20,017",
"BaseVar": "2,790,622",
"ECR before LimitedLiability": "4.8%",
"Economic Capital Ratio": "13%"
}
},
"2022": {
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"Debt": "0",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "4,289",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "2,495,559",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "204,262",
"Other Compr. Net Income": "-8,595",
"Other Expenses": "7,506",
"Other Liabilities": "188,275",
"Other Net Income": "36,390",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "451,526",
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},
"output_variables": {
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"Liabilities": "2,916,356",
"Expenses": "7,506",
"Revenues": "0",
"Stockholders Equity": "234,991",
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"Comprehensive Net Income": "11,488",
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"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "12%"
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{
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"rank": 55,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0000845877.svg",
"report_text": "The relative strengths and weaknesses of Federal Agricultural Mortgage CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Federal Agricultural Mortgage CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 6.2% points.The greatest weakness of Federal Agricultural Mortgage CORP is the variable Debt, reducing the Economic Capital Ratio by 60% points.
The company's Economic Capital Ratio, given in the ranking table, is 11%, being 4.9% points below the market average of 16%.",
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},
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},
"2022": {
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{
"company_id": "0001695963",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001695963.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001695963.svg",
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"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001695963_256x256.png",
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"name": "Korth Direct Mortgage Inc",
"rank": 56,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001695963.svg",
"report_text": "The relative strengths and weaknesses of Korth Direct Mortgage Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Korth Direct Mortgage Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 11% points.The greatest weakness of Korth Direct Mortgage Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 43% points.
The company's Economic Capital Ratio, given in the ranking table, is 11%, being 5.3% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001695963_2025_Korth_Direct_Mortgage_Inc.pdf",
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"ECR before LimitedLiability": "-2.73",
"Labor and Related Expense": "0.574",
"Operating Expenses": "1.93",
"Selling and Marketing Expense": "1.31",
"General and Administrative Expense": "1.59",
"Other Revenues": "-3.84",
"Revenues": "-3.84",
"Economic Capital Ratio": "-4.63",
"Other Net Income": "-2.05"
},
"2024": {
"Assets": "1.79",
"Liabilities": "-5.77",
"Stockholders Equity": "-3.89",
"Other Assets": "10.9",
"Notes Receivable": "-14.1",
"Loans": "-1.28",
"Cash and Cash Equivalents": "-1.98",
"Debt": "2.66",
"Other Liabilities": "-42.9",
"Deposits": "6.04",
"Expenses": "3.22",
"Revenues": "-4.26",
"Comprehensive Net Income": "0.952",
"Other Expenses": "1.15",
"General and Administrative Expense": "1.65",
"Operating Expenses": "2.57",
"Selling and Marketing Expense": "1.64",
"Other Revenues": "-4.26",
"ECR before LimitedLiability": "-2.77",
"Other Net Income": "-2.15",
"Economic Capital Ratio": "-5.30"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001695963_strength_weakness.svg",
"table_records": {
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "20",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "1.6",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "129",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "234",
"Other Assets": "2,066",
"Other Compr. Net Income": "0",
"Other Expenses": "-74",
"Other Liabilities": "2,404",
"Other Net Income": "0",
"Other Revenues": "46",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,086",
"Liabilities": "2,404",
"Expenses": "290",
"Revenues": "46",
"Stockholders Equity": "-318",
"Net Income": "-244",
"Comprehensive Net Income": "-244",
"BaseVar": "2,413",
"ECR before LimitedLiability": "-18%",
"Economic Capital Ratio": "4.1%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "15",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "2.6",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "161",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "384",
"Other Assets": "13,561",
"Other Compr. Net Income": "0",
"Other Expenses": "69",
"Other Liabilities": "13,844",
"Other Net Income": "215",
"Other Revenues": "452",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "13,576",
"Liabilities": "13,844",
"Expenses": "617",
"Revenues": "452",
"Stockholders Equity": "-268",
"Net Income": "50",
"Comprehensive Net Income": "50",
"BaseVar": "14,352",
"ECR before LimitedLiability": "-0.61%",
"Economic Capital Ratio": "8.5%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "2,379",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "5.8",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "598",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "910",
"Other Assets": "91,810",
"Other Compr. Net Income": "0",
"Other Expenses": "69",
"Other Liabilities": "87,764",
"Other Net Income": "2,929",
"Other Revenues": "590",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "94,189",
"Liabilities": "87,764",
"Expenses": "1,583",
"Revenues": "590",
"Stockholders Equity": "6,425",
"Net Income": "1,936",
"Comprehensive Net Income": "1,936",
"BaseVar": "93,527",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "2,037",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "28",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "1,635",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "2,240",
"Other Assets": "189,492",
"Other Compr. Net Income": "0",
"Other Expenses": "-594",
"Other Liabilities": "185,471",
"Other Net Income": "1,263",
"Other Revenues": "2,773",
"Professional Fees": "0",
"Securities": "329",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "191,858",
"Liabilities": "185,471",
"Expenses": "3,310",
"Revenues": "2,773",
"Stockholders Equity": "6,387",
"Net Income": "726",
"Comprehensive Net Income": "726",
"BaseVar": "192,337",
"ECR before LimitedLiability": "2.1%",
"Economic Capital Ratio": "10%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "107",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "3,458",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "5,325",
"Other Assets": "371,821",
"Other Compr. Net Income": "0",
"Other Expenses": "-99",
"Other Liabilities": "341,436",
"Other Net Income": "5,797",
"Other Revenues": "7,421",
"Professional Fees": "0",
"Securities": "225",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "372,046",
"Liabilities": "341,436",
"Expenses": "8,791",
"Revenues": "7,421",
"Stockholders Equity": "30,610",
"Net Income": "4,427",
"Comprehensive Net Income": "4,427",
"BaseVar": "367,746",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "502",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "4,238",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "6,048",
"Other Assets": "506,981",
"Other Compr. Net Income": "0",
"Other Expenses": "-380",
"Other Liabilities": "475,185",
"Other Net Income": "3,893",
"Other Revenues": "9,862",
"Professional Fees": "0",
"Securities": "568",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "507,549",
"Liabilities": "475,185",
"Expenses": "10,407",
"Revenues": "9,862",
"Stockholders Equity": "32,364",
"Net Income": "3,348",
"Comprehensive Net Income": "3,348",
"BaseVar": "503,448",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "12%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "4,307",
"Loans": "0",
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"Occupancy": "0",
"Operating Expenses": "6,944",
"Other Assets": "549,252",
"Other Compr. Net Income": "0",
"Other Expenses": "-2,378",
"Other Liabilities": "519,269",
"Other Net Income": "-5,303",
"Other Revenues": "9,841",
"Professional Fees": "0",
"Securities": "85",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "549,337",
"Liabilities": "519,269",
"Expenses": "8,873",
"Revenues": "9,841",
"Stockholders Equity": "30,069",
"Net Income": "-4,335",
"Comprehensive Net Income": "-4,335",
"BaseVar": "546,311",
"ECR before LimitedLiability": "2.0%",
"Economic Capital Ratio": "10%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
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"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
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"Other Assets": "521,810",
"Other Compr. Net Income": "0",
"Other Expenses": "-1,593",
"Other Liabilities": "491,086",
"Other Net Income": "-1,310",
"Other Revenues": "12,068",
"Professional Fees": "0",
"Securities": "42",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "521,852",
"Liabilities": "491,086",
"Expenses": "12,451",
"Revenues": "12,068",
"Stockholders Equity": "30,766",
"Net Income": "-1,694",
"Comprehensive Net Income": "-1,694",
"BaseVar": "519,383",
"ECR before LimitedLiability": "2.7%",
"Economic Capital Ratio": "11%"
}
}
},
"top_rated": false,
"trend": 12.0,
"value": 0.11029385311744155,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001695963.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001695963.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001695963.svg"
},
{
"company_id": "0001434621",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001434621.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001434621.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001434621.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001434621_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001434621_main_keyfigs.svg",
"name": "Lendingtree Inc",
"rank": 57,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001434621.svg",
"report_text": "The relative strengths and weaknesses of Lendingtree Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Lendingtree Inc compared to the market average is the variable Other Revenues, increasing the Economic Capital Ratio by 10% points.The greatest weakness of Lendingtree Inc is the variable Expenses, reducing the Economic Capital Ratio by 87% points.
The company's Economic Capital Ratio, given in the ranking table, is 10%, being 6.1% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001434621_2025_Lendingtree_Inc.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "5.78",
"Assets": "-12.0",
"Stockholders Equity": "33.5",
"ECR before LimitedLiability": "53.2",
"Loans": "-13.1",
"Liabilities": "63.5",
"Deposits": "60.7",
"Other Liabilities": "14.4",
"Debt": "18.2",
"Expenses": "-152",
"Revenues": "68.9",
"Net Income": "15.4",
"Selling and Marketing Expense": "-122",
"General and Administrative Expense": "-14.0",
"Labor and Related Expense": "2.08",
"Other Expenses": "-29.2",
"Operating Expenses": "10.3",
"Other Revenues": "68.9",
"Comprehensive Net Income": "13.9",
"Other Net Income": "-3.90",
"Economic Capital Ratio": "51.9"
},
"2017": {
"Notes Receivable": "-2.32",
"Assets": "-20.7",
"Liabilities": "26.3",
"Stockholders Equity": "7.64",
"ECR before LimitedLiability": "15.2",
"Cash and Cash Equivalents": "21.4",
"Other Assets": "-5.58",
"Loans": "-24.8",
"Other Liabilities": "-16.5",
"Debt": "7.30",
"Deposits": "27.0",
"Expenses": "-97.7",
"Revenues": "31.0",
"Net Income": "2.80",
"Selling and Marketing Expense": "-76.7",
"Other Expenses": "-14.6",
"Operating Expenses": "4.27",
"General and Administrative Expense": "-10.8",
"Other Revenues": "31.0",
"Comprehensive Net Income": "2.30",
"Economic Capital Ratio": "14.5"
},
"2018": {
"Other Assets": "12.5",
"Assets": "-17.9",
"Liabilities": "30.1",
"Stockholders Equity": "6.20",
"ECR before LimitedLiability": "21.1",
"Cash and Cash Equivalents": "2.25",
"Loans": "-23.0",
"Deposits": "31.8",
"Other Liabilities": "-26.2",
"Debt": "7.45",
"Expenses": "-80.8",
"Revenues": "37.7",
"Net Income": "12.1",
"Other Expenses": "-3.19",
"Selling and Marketing Expense": "-67.5",
"Operating Expenses": "2.88",
"General and Administrative Expense": "-13.1",
"Other Revenues": "37.7",
"Comprehensive Net Income": "10.9",
"Other Net Income": "-3.82",
"Economic Capital Ratio": "20.8"
},
"2019": {
"Other Assets": "10.8",
"Assets": "-25.3",
"Liabilities": "30.3",
"Stockholders Equity": "6.32",
"ECR before LimitedLiability": "16.7",
"Notes Receivable": "-4.42",
"Loans": "-27.0",
"Deposits": "30.0",
"Debt": "10.8",
"Other Liabilities": "-13.2",
"General and Administrative Expense": "-13.7",
"Expenses": "-132",
"Revenues": "33.1",
"Net Income": "2.88",
"Other Expenses": "-23.2",
"Selling and Marketing Expense": "-95.4",
"Interest Expense": "-1.97",
"Other Revenues": "33.1",
"Comprehensive Net Income": "2.68",
"Other Net Income": "-3.99",
"Economic Capital Ratio": "16.5"
},
"2020": {
"Notes Receivable": "-7.60",
"Assets": "-19.1",
"Liabilities": "16.5",
"ECR before LimitedLiability": "3.21",
"Other Assets": "10.1",
"Loans": "-19.7",
"Other Liabilities": "-18.6",
"Deposits": "18.0",
"Debt": "5.55",
"Expenses": "-77.9",
"Net Income": "-2.78",
"General and Administrative Expense": "-8.38",
"Selling and Marketing Expense": "-55.0",
"Operating Expenses": "1.76",
"Other Expenses": "-9.77",
"Interest Expense": "-2.05",
"Other Revenues": "20.7",
"Revenues": "20.7",
"Comprehensive Net Income": "-2.74",
"Other Net Income": "-2.66",
"Economic Capital Ratio": "2.87"
},
"2021": {
"Assets": "-21.5",
"Liabilities": "24.0",
"Stockholders Equity": "2.48",
"ECR before LimitedLiability": "10.9",
"Loans": "-19.0",
"Other Assets": "5.00",
"Notes Receivable": "-10.3",
"Cash and Cash Equivalents": "2.77",
"Other Liabilities": "-22.7",
"Deposits": "25.3",
"Debt": "7.16",
"Selling and Marketing Expense": "-68.7",
"Expenses": "-94.1",
"Revenues": "29.2",
"Comprehensive Net Income": "2.33",
"Other Expenses": "-13.4",
"Interest Expense": "-3.19",
"General and Administrative Expense": "-11.2",
"Other Revenues": "29.2",
"Other Net Income": "-4.41",
"Economic Capital Ratio": "10.4"
},
"2022": {
"Loans": "-15.4",
"Assets": "-20.3",
"Liabilities": "6.75",
"Stockholders Equity": "-0.968",
"Other Assets": "1.85",
"Cash and Cash Equivalents": "3.82",
"Notes Receivable": "-12.7",
"Deposits": "7.12",
"ECR before LimitedLiability": "-7.91",
"Other Liabilities": "-13.6",
"Debt": "2.46",
"Expenses": "-81.0",
"Revenues": "7.43",
"Net Income": "-9.66",
"General and Administrative Expense": "-5.25",
"Other Expenses": "-15.1",
"Selling and Marketing Expense": "-47.3",
"Operating Expenses": "0.962",
"Other Revenues": "7.43",
"Comprehensive Net Income": "-8.48",
"Economic Capital Ratio": "-8.38"
},
"2023": {
"Assets": "-19.3",
"Liabilities": "6.59",
"Stockholders Equity": "-0.999",
"Notes Receivable": "-21.3",
"Loans": "-1.05",
"Other Assets": "3.32",
"Other Liabilities": "-11.5",
"ECR before LimitedLiability": "-5.82",
"Deposits": "6.93",
"Debt": "2.55",
"Expenses": "-63.4",
"Revenues": "7.30",
"Net Income": "-6.70",
"Other Expenses": "-12.0",
"Operating Expenses": "2.40",
"Selling and Marketing Expense": "-40.5",
"General and Administrative Expense": "-5.29",
"Other Revenues": "7.30",
"Other Net Income": "-6.37",
"Comprehensive Net Income": "-6.96",
"Economic Capital Ratio": "-7.72"
},
"2024": {
"Assets": "-27.6",
"Stockholders Equity": "-7.63",
"Notes Receivable": "-27.5",
"Loans": "-2.83",
"Debt": "3.02",
"Liabilities": "9.17",
"ECR before LimitedLiability": "-3.62",
"Other Liabilities": "-10.5",
"Deposits": "9.21",
"Expenses": "-87.2",
"Revenues": "10.2",
"Net Income": "-2.56",
"Labor and Related Expense": "1.77",
"Other Expenses": "-10.5",
"General and Administrative Expense": "-8.67",
"Operating Expenses": "3.00",
"Selling and Marketing Expense": "-76.8",
"Other Revenues": "10.2",
"Comprehensive Net Income": "-2.46",
"Other Net Income": "-12.1",
"Economic Capital Ratio": "-6.15"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001434621_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "91,131",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "37,227",
"Interest Expense": "561",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "232,296",
"Other Compr. Net Income": "-3,714",
"Other Expenses": "54,329",
"Other Liabilities": "91,992",
"Other Net Income": "0",
"Other Revenues": "384,425",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "261,100"
},
"output_variables": {
"Assets": "323,427",
"Liabilities": "91,992",
"Expenses": "353,217",
"Revenues": "384,425",
"Stockholders Equity": "231,435",
"Net Income": "31,208",
"Comprehensive Net Income": "27,494",
"BaseVar": "578,388",
"ECR before LimitedLiability": "69%",
"Economic Capital Ratio": "69%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "368,550",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "71,541",
"Interest Expense": "7,028",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "324,909",
"Other Compr. Net Income": "-3,840",
"Other Expenses": "86,569",
"Other Liabilities": "398,585",
"Other Net Income": "0",
"Other Revenues": "617,340",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "432,784"
},
"output_variables": {
"Assets": "693,459",
"Liabilities": "398,585",
"Expenses": "597,922",
"Revenues": "617,340",
"Stockholders Equity": "294,874",
"Net Income": "19,418",
"Comprehensive Net Income": "15,578",
"BaseVar": "1,155,573",
"ECR before LimitedLiability": "30%",
"Economic Capital Ratio": "31%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "105,102",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "101,219",
"Interest Expense": "12,437",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "791,013",
"Other Compr. Net Income": "-12,820",
"Other Expenses": "41,589",
"Other Liabilities": "549,907",
"Other Net Income": "0",
"Other Revenues": "764,855",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "500,291"
},
"output_variables": {
"Assets": "896,115",
"Liabilities": "549,907",
"Expenses": "655,536",
"Revenues": "764,855",
"Stockholders Equity": "346,208",
"Net Income": "109,319",
"Comprehensive Net Income": "96,499",
"BaseVar": "1,439,616",
"ECR before LimitedLiability": "37%",
"Economic Capital Ratio": "38%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "60,243",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "116,847",
"Interest Expense": "20,271",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "887,726",
"Other Compr. Net Income": "0",
"Other Expenses": "195,369",
"Other Liabilities": "545,643",
"Other Net Income": "0",
"Other Revenues": "1,107,127",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "735,180"
},
"output_variables": {
"Assets": "947,969",
"Liabilities": "545,643",
"Expenses": "1,067,667",
"Revenues": "1,107,127",
"Stockholders Equity": "402,326",
"Net Income": "39,460",
"Comprehensive Net Income": "39,460",
"BaseVar": "1,834,203",
"ECR before LimitedLiability": "32%",
"Economic Capital Ratio": "33%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "169,932",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "129,101",
"Interest Expense": "36,300",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,019,058",
"Other Compr. Net Income": "0",
"Other Expenses": "150,127",
"Other Liabilities": "824,229",
"Other Net Income": "0",
"Other Revenues": "910,366",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "617,404"
},
"output_variables": {
"Assets": "1,188,990",
"Liabilities": "824,229",
"Expenses": "932,932",
"Revenues": "910,366",
"Stockholders Equity": "364,761",
"Net Income": "-22,566",
"Comprehensive Net Income": "-22,566",
"BaseVar": "1,928,258",
"ECR before LimitedLiability": "16%",
"Economic Capital Ratio": "21%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "251,231",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "153,472",
"Interest Expense": "46,867",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,048,125",
"Other Compr. Net Income": "0",
"Other Expenses": "174,304",
"Other Liabilities": "851,364",
"Other Net Income": "0",
"Other Revenues": "1,221,771",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "773,990"
},
"output_variables": {
"Assets": "1,299,356",
"Liabilities": "851,364",
"Expenses": "1,148,633",
"Revenues": "1,221,771",
"Stockholders Equity": "447,992",
"Net Income": "73,138",
"Comprehensive Net Income": "73,138",
"BaseVar": "2,260,562",
"ECR before LimitedLiability": "28%",
"Economic Capital Ratio": "29%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "298,845",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "152,377",
"Interest Expense": "26,014",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "900,468",
"Other Compr. Net Income": "0",
"Other Expenses": "296,152",
"Other Liabilities": "991,373",
"Other Net Income": "-6.0",
"Other Revenues": "988,835",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "702,238"
},
"output_variables": {
"Assets": "1,199,313",
"Liabilities": "991,373",
"Expenses": "1,176,781",
"Revenues": "988,835",
"Stockholders Equity": "207,940",
"Net Income": "-187,952",
"Comprehensive Net Income": "-187,952",
"BaseVar": "2,178,154",
"ECR before LimitedLiability": "-7.7%",
"Economic Capital Ratio": "7.4%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "112,051",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "117,700",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "690,708",
"Other Compr. Net Income": "0",
"Other Expenses": "159,310",
"Other Liabilities": "678,627",
"Other Net Income": "-84,308",
"Other Revenues": "672,502",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "433,588"
},
"output_variables": {
"Assets": "802,759",
"Liabilities": "678,627",
"Expenses": "710,598",
"Revenues": "672,502",
"Stockholders Equity": "124,132",
"Net Income": "-122,404",
"Comprehensive Net Income": "-122,404",
"BaseVar": "1,474,397",
"ECR before LimitedLiability": "-8.1%",
"Economic Capital Ratio": "7.3%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "106,594",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "108,705",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "661,080",
"Other Compr. Net Income": "0",
"Other Expenses": "115,244",
"Other Liabilities": "658,853",
"Other Net Income": "-82,011",
"Other Revenues": "900,219",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "635,963"
},
"output_variables": {
"Assets": "767,674",
"Liabilities": "658,853",
"Expenses": "859,912",
"Revenues": "900,219",
"Stockholders Equity": "108,821",
"Net Income": "-41,704",
"Comprehensive Net Income": "-41,704",
"BaseVar": "1,634,334",
"ECR before LimitedLiability": "1.8%",
"Economic Capital Ratio": "10%"
}
}
},
"top_rated": false,
"trend": 16.0,
"value": 0.10184829470487354,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001434621.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001434621.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001434621.svg"
},
{
"company_id": "0000873860",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0000873860.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0000873860.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000873860.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000873860_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0000873860_main_keyfigs.svg",
"name": "Onity Group INC",
"rank": 58,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0000873860.svg",
"report_text": "The relative strengths and weaknesses of Onity Group INC are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Onity Group INC compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 9.9% points.The greatest weakness of Onity Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 43% points.
The company's Economic Capital Ratio, given in the ranking table, is 10%, being 6.2% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0000873860_2025_Onity_Group_INC.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-2.29",
"Assets": "-6.23",
"Liabilities": "1.75",
"Stockholders Equity": "-4.13",
"Other Assets": "9.81",
"Notes Receivable": "-2.06",
"Loans": "-17.1",
"Deposits": "7.61",
"Other Liabilities": "-44.4",
"Debt": "1.89",
"Professional Fees": "-3.34",
"Expenses": "-6.89",
"Revenues": "3.72",
"Net Income": "-2.26",
"Labor and Related Expense": "-3.70",
"Other Expenses": "-4.95",
"Other Revenues": "3.72",
"ECR before LimitedLiability": "-5.58",
"Comprehensive Net Income": "-2.15",
"Other Net Income": "-5.54",
"Economic Capital Ratio": "-6.85"
},
"2017": {
"Notes Receivable": "-1.87",
"Assets": "-5.68",
"Liabilities": "1.63",
"Stockholders Equity": "-4.93",
"Cash and Cash Equivalents": "-2.21",
"Other Assets": "9.97",
"Loans": "-17.4",
"Other Liabilities": "-46.2",
"Debt": "1.84",
"Deposits": "7.59",
"Expenses": "-5.22",
"Revenues": "2.97",
"Net Income": "-1.49",
"Other Expenses": "-2.42",
"Operating Expenses": "1.61",
"Labor and Related Expense": "-3.10",
"Professional Fees": "-2.39",
"Other Revenues": "2.97",
"ECR before LimitedLiability": "-5.65",
"Other Net Income": "-4.69",
"Economic Capital Ratio": "-6.35"
},
"2020": {
"Notes Receivable": "-6.15",
"Assets": "-4.09",
"Liabilities": "-2.24",
"Stockholders Equity": "-6.12",
"Other Assets": "9.76",
"Loans": "-13.5",
"Cash and Cash Equivalents": "-2.40",
"Other Liabilities": "-46.6",
"Deposits": "6.79",
"Debt": "1.67",
"Expenses": "-1.46",
"Revenues": "1.72",
"Net Income": "-1.34",
"Operating Expenses": "0.918",
"Labor and Related Expense": "-1.32",
"Other Expenses": "-1.64",
"Other Revenues": "1.72",
"ECR before LimitedLiability": "-7.49",
"Comprehensive Net Income": "-1.33",
"Other Net Income": "-3.92",
"Economic Capital Ratio": "-7.83"
},
"2021": {
"Assets": "-3.44",
"Liabilities": "-2.56",
"Stockholders Equity": "-5.74",
"Loans": "-12.1",
"Other Assets": "10.3",
"Notes Receivable": "-6.88",
"Cash and Cash Equivalents": "-2.72",
"Other Liabilities": "-51.1",
"Deposits": "7.45",
"Debt": "2.19",
"Other Revenues": "2.15",
"Revenues": "2.15",
"Net Income": "-1.78",
"ECR before LimitedLiability": "-7.71",
"Comprehensive Net Income": "-1.57",
"Other Expenses": "-1.06",
"Operating Expenses": "0.834",
"Other Net Income": "-4.54",
"Labor and Related Expense": "-1.04",
"General and Administrative Expense": "0.838",
"Economic Capital Ratio": "-8.15"
},
"2022": {
"Loans": "-10.9",
"Assets": "-2.63",
"Liabilities": "-2.92",
"Stockholders Equity": "-5.22",
"Other Assets": "10.3",
"Cash and Cash Equivalents": "-1.47",
"Notes Receivable": "-9.29",
"Deposits": "6.96",
"Other Liabilities": "-48.4",
"Debt": "2.15",
"Labor and Related Expense": "-0.786",
"Expenses": "1.60",
"ECR before LimitedLiability": "-4.86",
"General and Administrative Expense": "0.835",
"Selling and Marketing Expense": "0.889",
"Operating Expenses": "1.26",
"Other Revenues": "2.03",
"Revenues": "2.03",
"Economic Capital Ratio": "-5.34",
"Other Net Income": "-4.44",
"Other Compr. Net Income": "0.854"
},
"2023": {
"Assets": "-2.11",
"Liabilities": "-3.19",
"Stockholders Equity": "-4.97",
"Notes Receivable": "-15.1",
"Loans": "-2.66",
"Other Assets": "9.36",
"Cash and Cash Equivalents": "-2.26",
"Other Liabilities": "-44.5",
"Deposits": "5.94",
"Debt": "1.38",
"Expenses": "1.27",
"Revenues": "1.11",
"Net Income": "0.633",
"Other Expenses": "-2.47",
"Operating Expenses": "1.22",
"Selling and Marketing Expense": "1.10",
"General and Administrative Expense": "1.11",
"Other Revenues": "1.11",
"ECR before LimitedLiability": "-3.55",
"Other Net Income": "-4.60",
"Economic Capital Ratio": "-5.46"
},
"2024": {
"Debt": "1.90",
"Liabilities": "-5.40",
"Securities": "-0.552",
"Stockholders Equity": "-5.37",
"Other Liabilities": "-42.9",
"Deposits": "5.59",
"Expenses": "2.44",
"Net Income": "1.51",
"General and Administrative Expense": "1.69",
"Operating Expenses": "1.83",
"Selling and Marketing Expense": "1.69",
"Other Revenues": "-1.65",
"Revenues": "-1.65",
"Comprehensive Net Income": "1.58",
"ECR before LimitedLiability": "-3.65",
"Other Assets": "9.94",
"Notes Receivable": "-14.8",
"Loans": "-1.38",
"Cash and Cash Equivalents": "-1.94",
"Other Net Income": "-4.11",
"Economic Capital Ratio": "-6.18"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0000873860_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "381,340",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "80,191",
"Operating Expenses": "110,333",
"Other Assets": "7,655,663",
"Other Compr. Net Income": "-74",
"Other Expenses": "338,818",
"Other Liabilities": "7,000,380",
"Other Net Income": "-370,270",
"Other Revenues": "1,387,163",
"Professional Fees": "305,586",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "7,655,663",
"Liabilities": "7,000,380",
"Expenses": "1,216,268",
"Revenues": "1,387,163",
"Stockholders Equity": "655,283",
"Net Income": "-199,375",
"Comprehensive Net Income": "-199,449",
"BaseVar": "8,814,909",
"ECR before LimitedLiability": "1.7%",
"Economic Capital Ratio": "10%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "358,994",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "66,019",
"Operating Expenses": "100,490",
"Other Assets": "8,403,164",
"Other Compr. Net Income": "692",
"Other Expenses": "228,175",
"Other Liabilities": "7,856,290",
"Other Net Income": "-339,904",
"Other Revenues": "1,194,576",
"Professional Fees": "229,451",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "8,403,164",
"Liabilities": "7,856,290",
"Expenses": "983,129",
"Revenues": "1,194,576",
"Stockholders Equity": "546,874",
"Net Income": "-128,457",
"Comprehensive Net Income": "-127,765",
"BaseVar": "9,388,878",
"ECR before LimitedLiability": "1.8%",
"Economic Capital Ratio": "10%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "72,463",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "265,295",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "47,503",
"Operating Expenses": "59,592",
"Other Assets": "10,578,664",
"Other Compr. Net Income": "-1,501",
"Other Expenses": "282,857",
"Other Liabilities": "10,235,755",
"Other Net Income": "-238,971",
"Other Revenues": "960,912",
"Professional Fees": "106,872",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "10,651,127",
"Liabilities": "10,235,755",
"Expenses": "762,119",
"Revenues": "960,912",
"Stockholders Equity": "415,372",
"Net Income": "-40,178",
"Comprehensive Net Income": "-41,679",
"BaseVar": "11,425,192",
"ECR before LimitedLiability": "1.6%",
"Economic Capital Ratio": "10%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "70,654",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "297,947",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "36,536",
"Operating Expenses": "56,021",
"Other Assets": "12,076,469",
"Other Compr. Net Income": "6,728",
"Other Expenses": "224,384",
"Other Liabilities": "11,670,429",
"Other Net Income": "-335,243",
"Other Revenues": "1,050,099",
"Professional Fees": "81,890",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "12,147,123",
"Liabilities": "11,670,429",
"Expenses": "696,778",
"Revenues": "1,050,099",
"Stockholders Equity": "476,694",
"Net Income": "18,078",
"Comprehensive Net Income": "24,806",
"BaseVar": "12,953,200",
"ECR before LimitedLiability": "2.2%",
"Economic Capital Ratio": "11%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "66,200",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "289,400",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "41,800",
"Operating Expenses": "57,900",
"Other Assets": "12,333,000",
"Other Compr. Net Income": "-100",
"Other Expenses": "103,600",
"Other Liabilities": "11,942,500",
"Other Net Income": "-386,200",
"Other Revenues": "953,900",
"Professional Fees": "49,300",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "12,399,200",
"Liabilities": "11,942,500",
"Expenses": "542,000",
"Revenues": "953,900",
"Stockholders Equity": "456,700",
"Net Income": "25,700",
"Comprehensive Net Income": "25,600",
"BaseVar": "13,111,950",
"ECR before LimitedLiability": "2.1%",
"Economic Capital Ratio": "10%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "53,500",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "229,200",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "31,800",
"Operating Expenses": "52,500",
"Other Assets": "12,460,200",
"Other Compr. Net Income": "1,300",
"Other Expenses": "314,100",
"Other Liabilities": "12,111,900",
"Other Net Income": "-480,500",
"Other Revenues": "1,066,700",
"Professional Fees": "22,300",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "12,513,700",
"Liabilities": "12,111,900",
"Expenses": "649,900",
"Revenues": "1,066,700",
"Stockholders Equity": "401,800",
"Net Income": "-63,700",
"Comprehensive Net Income": "-62,400",
"BaseVar": "13,412,000",
"ECR before LimitedLiability": "1.1%",
"Economic Capital Ratio": "9.6%"
}
},
"2024": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "232,500",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "31,400",
"Operating Expenses": "52,900",
"Other Assets": "16,354,600",
"Other Compr. Net Income": "2,400",
"Other Expenses": "168,600",
"Other Liabilities": "15,942,500",
"Other Net Income": "-404,100",
"Other Revenues": "976,000",
"Professional Fees": "52,600",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "16,435,400",
"Liabilities": "15,942,500",
"Expenses": "538,000",
"Revenues": "976,000",
"Stockholders Equity": "492,900",
"Net Income": "33,900",
"Comprehensive Net Income": "36,300",
"BaseVar": "17,149,200",
"ECR before LimitedLiability": "1.7%",
"Economic Capital Ratio": "10%"
}
}
},
"top_rated": false,
"trend": 12.0,
"value": 0.10152231198324342,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0000873860.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0000873860.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0000873860.svg"
},
{
"company_id": "0000310522",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0000310522.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0000310522.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000310522.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000310522_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0000310522_main_keyfigs.svg",
"name": "Federal National Mortgage Association Fannie MAE",
"rank": 59,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0000310522.svg",
"report_text": "The relative strengths and weaknesses of Federal National Mortgage Association Fannie MAE are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Federal National Mortgage Association Fannie MAE compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 9.9% points.The greatest weakness of Federal National Mortgage Association Fannie MAE is the variable Other Liabilities, reducing the Economic Capital Ratio by 45% points.
The company's Economic Capital Ratio, given in the ranking table, is 9.9%, being 6.4% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0000310522_2025_Federal_National_Mortgage_Association_Fannie_MAE.pdf",
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}
},
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}
},
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}
},
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"Other Expenses": "4,140,000",
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"Other Net Income": "20,099,000",
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},
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},
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"BaseVar": "3,506,607,500",
"ECR before LimitedLiability": "0.61%",
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}
},
"2020": {
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},
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}
},
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},
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},
{
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"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001026214.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001026214.svg",
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"name": "Federal HOME LOAN Mortgage CORP",
"rank": 60,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001026214.svg",
"report_text": "The relative strengths and weaknesses of Federal HOME LOAN Mortgage CORP are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Federal HOME LOAN Mortgage CORP compared to the market average is the variable Loans, increasing the Economic Capital Ratio by 9.7% points.The greatest weakness of Federal HOME LOAN Mortgage CORP is the variable Debt, reducing the Economic Capital Ratio by 72% points.
The company's Economic Capital Ratio, given in the ranking table, is 9.7%, being 6.7% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001026214_2025_Federal_HOME_LOAN_Mortgage_CORP.pdf",
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"Operating Expenses": "0.542",
"Other Revenues": "-2.92",
"Revenues": "-2.92",
"Economic Capital Ratio": "-7.86",
"Other Net Income": "-1.40"
},
"2019": {
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"Assets": "-1.34",
"Liabilities": "-5.74",
"Stockholders Equity": "-6.47",
"Cash and Cash Equivalents": "-1.80",
"Notes Receivable": "-2.80",
"Loans": "5.30",
"Securities": "0.636",
"Deposits": "5.93",
"Debt": "-72.8",
"Other Liabilities": "2.02",
"Expenses": "0.792",
"ECR before LimitedLiability": "-7.38",
"Other Expenses": "0.557",
"Operating Expenses": "0.556",
"Selling and Marketing Expense": "0.558",
"Labor and Related Expense": "0.556",
"Other Revenues": "-2.94",
"Revenues": "-2.94",
"Economic Capital Ratio": "-7.57",
"Other Net Income": "-1.32"
},
"2020": {
"Notes Receivable": "-6.00",
"Assets": "-1.14",
"Liabilities": "-6.54",
"Stockholders Equity": "-6.99",
"Other Assets": "-11.1",
"Loans": "7.94",
"Cash and Cash Equivalents": "-2.59",
"Securities": "0.677",
"Other Liabilities": "2.45",
"Deposits": "5.62",
"Debt": "-75.7",
"Expenses": "0.974",
"Revenues": "-3.73",
"Net Income": "-0.689",
"Operating Expenses": "0.606",
"Labor and Related Expense": "0.597",
"Other Revenues": "-3.73",
"ECR before LimitedLiability": "-8.44",
"Comprehensive Net Income": "-0.652",
"Other Net Income": "-1.63",
"Economic Capital Ratio": "-8.78"
},
"2021": {
"Other Liabilities": "2.29",
"Liabilities": "-6.51",
"Securities": "0.849",
"Stockholders Equity": "-6.64",
"Deposits": "6.06",
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"Expenses": "1.19",
"Net Income": "-1.50",
"Operating Expenses": "0.841",
"Labor and Related Expense": "0.840",
"General and Administrative Expense": "0.813",
"Other Revenues": "-4.29",
"Revenues": "-4.29",
"Comprehensive Net Income": "-1.36",
"ECR before LimitedLiability": "-9.00",
"Loans": "8.95",
"Other Assets": "-11.5",
"Notes Receivable": "-6.86",
"Cash and Cash Equivalents": "-2.92",
"Other Net Income": "-1.84",
"Economic Capital Ratio": "-9.43"
},
"2022": {
"Deposits": "5.73",
"Liabilities": "-6.40",
"Stockholders Equity": "-6.01",
"Other Liabilities": "2.55",
"Debt": "-72.9",
"Labor and Related Expense": "0.854",
"Expenses": "1.27",
"ECR before LimitedLiability": "-6.02",
"General and Administrative Expense": "0.814",
"Selling and Marketing Expense": "0.848",
"Operating Expenses": "0.861",
"Other Revenues": "-3.73",
"Revenues": "-3.73",
"Loans": "9.18",
"Other Assets": "-11.0",
"Cash and Cash Equivalents": "-1.68",
"Securities": "0.857",
"Notes Receivable": "-9.23",
"Economic Capital Ratio": "-6.49",
"Other Net Income": "-1.54",
"Other Compr. Net Income": "0.822"
},
"2023": {
"Securities": "1.05",
"Assets": "1.04",
"Liabilities": "-6.75",
"Stockholders Equity": "-5.21",
"Notes Receivable": "-14.2",
"Loans": "9.50",
"Other Assets": "-11.5",
"Cash and Cash Equivalents": "-2.26",
"Other Liabilities": "3.00",
"Deposits": "5.47",
"Debt": "-72.5",
"Expenses": "2.03",
"Revenues": "-5.32",
"Net Income": "1.04",
"Labor and Related Expense": "1.04",
"Operating Expenses": "1.18",
"Selling and Marketing Expense": "1.04",
"General and Administrative Expense": "1.05",
"Other Revenues": "-5.32",
"ECR before LimitedLiability": "-3.62",
"Economic Capital Ratio": "-5.52"
},
"2024": {
"Securities": "1.22",
"Assets": "1.22",
"Liabilities": "-7.69",
"Stockholders Equity": "-5.63",
"Other Assets": "-11.5",
"Notes Receivable": "-14.4",
"Loans": "9.67",
"Cash and Cash Equivalents": "-2.08",
"Debt": "-71.9",
"Other Liabilities": "3.44",
"Deposits": "4.98",
"Expenses": "2.78",
"Revenues": "-6.16",
"Comprehensive Net Income": "1.22",
"General and Administrative Expense": "1.22",
"Operating Expenses": "1.41",
"Selling and Marketing Expense": "1.22",
"Other Revenues": "-6.16",
"ECR before LimitedLiability": "-4.13",
"Other Net Income": "-1.62",
"Economic Capital Ratio": "-6.66"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001026214_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "22,220,000",
"Debt": "2,002,004,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,015,000",
"Labor and Related Expense": "0",
"Loans": "1,784,915,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "53,146,000",
"Other Compr. Net Income": "-697,000",
"Other Expenses": "3,824,000",
"Other Liabilities": "10,282,000",
"Other Net Income": "11,639,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "163,095,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,023,376,000",
"Liabilities": "2,018,301,000",
"Expenses": "3,824,000",
"Revenues": "0",
"Stockholders Equity": "5,075,000",
"Net Income": "7,815,000",
"Comprehensive Net Income": "7,118,000",
"BaseVar": "2,028,918,500",
"ECR before LimitedLiability": "0.48%",
"Economic Capital Ratio": "8.9%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "9,811,000",
"Debt": "2,034,630,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,221,000",
"Labor and Related Expense": "0",
"Loans": "1,836,454,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "63,290,000",
"Other Compr. Net Income": "-67,000",
"Other Expenses": "11,209,000",
"Other Liabilities": "9,237,000",
"Other Net Income": "16,834,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "140,221,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "2,050,088,000",
"Expenses": "11,209,000",
"Revenues": "0",
"Stockholders Equity": "-312,000",
"Net Income": "5,625,000",
"Comprehensive Net Income": "5,558,000",
"BaseVar": "2,063,987,000",
"ECR before LimitedLiability": "0.26%",
"Economic Capital Ratio": "8.7%"
}
},
"2018": {
"input_variables": {
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"Debt": "2,044,950,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,652,000",
"Labor and Related Expense": "0",
"Loans": "1,885,356,000",
"Notes Receivable": "0",
"Occupancy": "0",
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"Other Assets": "73,822,000",
"Other Compr. Net Income": "-613,000",
"Other Expenses": "2,239,000",
"Other Liabilities": "6,981,000",
"Other Net Income": "11,474,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "103,882,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "2,058,583,000",
"Expenses": "2,239,000",
"Revenues": "0",
"Stockholders Equity": "4,477,000",
"Net Income": "9,235,000",
"Comprehensive Net Income": "8,622,000",
"BaseVar": "2,067,984,500",
"ECR before LimitedLiability": "0.53%",
"Economic Capital Ratio": "9.0%"
}
},
"2019": {
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"Debt": "2,179,528,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,559,000",
"Labor and Related Expense": "0",
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"Notes Receivable": "0",
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"Other Assets": "76,886,000",
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"Other Expenses": "1,835,000",
"Other Liabilities": "8,414,000",
"Other Net Income": "9,049,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "141,825,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "2,194,501,000",
"Expenses": "1,835,000",
"Revenues": "0",
"Stockholders Equity": "9,122,000",
"Net Income": "7,214,000",
"Comprehensive Net Income": "7,787,000",
"BaseVar": "2,204,790,500",
"ECR before LimitedLiability": "0.56%",
"Economic Capital Ratio": "9.0%"
}
},
"2020": {
"input_variables": {
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"Debt": "2,592,546,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,210,000",
"Labor and Related Expense": "0",
"Loans": "2,350,236,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "112,351,000",
"Other Compr. Net Income": "205,000",
"Other Expenses": "1,903,000",
"Other Liabilities": "12,246,000",
"Other Net Income": "9,229,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "164,828,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "2,611,002,000",
"Expenses": "1,903,000",
"Revenues": "0",
"Stockholders Equity": "16,413,000",
"Net Income": "7,326,000",
"Comprehensive Net Income": "7,531,000",
"BaseVar": "2,624,877,000",
"ECR before LimitedLiability": "0.60%",
"Economic Capital Ratio": "9.1%"
}
},
"2021": {
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"Debt": "2,980,185,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "6,268,000",
"Labor and Related Expense": "0",
"Loans": "2,828,331,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "73,037,000",
"Other Compr. Net Income": "-489,000",
"Other Expenses": "3,090,000",
"Other Liabilities": "11,100,000",
"Other Net Income": "15,199,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "124,218,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "2,997,553,000",
"Expenses": "3,090,000",
"Revenues": "0",
"Stockholders Equity": "28,033,000",
"Net Income": "12,109,000",
"Comprehensive Net Income": "11,620,000",
"BaseVar": "3,020,958,500",
"ECR before LimitedLiability": "0.85%",
"Economic Capital Ratio": "9.3%"
}
},
"2022": {
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"Debt": "3,145,832,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "7,309,000",
"Labor and Related Expense": "0",
"Loans": "3,022,318,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
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"Other Compr. Net Income": "-342,000",
"Other Expenses": "2,277,000",
"Other Liabilities": "18,174,000",
"Other Net Income": "11,604,000",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
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"Liabilities": "3,171,315,000",
"Expenses": "2,277,000",
"Revenues": "0",
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"Net Income": "9,327,000",
"Comprehensive Net Income": "8,985,000",
"BaseVar": "3,196,935,500",
"ECR before LimitedLiability": "0.86%",
"Economic Capital Ratio": "9.3%"
}
},
"2023": {
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"Debt": "3,208,346,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "8,812,000",
"Labor and Related Expense": "0",
"Loans": "3,083,665,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "58,888,000",
"Other Compr. Net Income": "166,000",
"Other Expenses": "2,661,000",
"Other Liabilities": "16,096,000",
"Other Net Income": "13,199,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "138,423,000",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "3,233,254,000",
"Expenses": "2,661,000",
"Revenues": "0",
"Stockholders Equity": "47,722,000",
"Net Income": "10,538,000",
"Comprehensive Net Income": "10,704,000",
"BaseVar": "3,265,128,000",
"ECR before LimitedLiability": "1.1%",
"Economic Capital Ratio": "9.5%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "3,304,949,000",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "9,822,000",
"Labor and Related Expense": "0",
"Loans": "3,172,329,000",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "58,474,000",
"Other Compr. Net Income": "-5,000",
"Other Expenses": "2,920,000",
"Other Liabilities": "12,346,000",
"Other Net Income": "14,778,000",
"Other Revenues": "0",
"Professional Fees": "0",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "3,327,117,000",
"Expenses": "2,920,000",
"Revenues": "0",
"Stockholders Equity": "59,575,000",
"Net Income": "11,858,000",
"Comprehensive Net Income": "11,853,000",
"BaseVar": "3,365,756,000",
"ECR before LimitedLiability": "1.2%",
"Economic Capital Ratio": "9.7%"
}
}
},
"top_rated": false,
"trend": 11.0,
"value": 0.09674399280523131,
"company_index": "https://www.realrate-archive.com/us_savings/2024/industry_indexes/0001026214.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2024/analytics/equity/0001026214.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2024/analytics/profit_loss/0001026214.svg"
},
{
"company_id": "0001828937",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2024/feature_distribution/feature_distribution_0001828937.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2024/graphs/IME_0001828937.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000000000.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000000000_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001828937_main_keyfigs.svg",
"name": "Finance of America Companies Inc",
"rank": 61,
"regression_plot": "https://www.realrate-archive.com/us_savings/2024/backtesting_correlation/regression_0001828937.svg",
"report_text": "The relative strengths and weaknesses of Finance of America Companies Inc are analyzed with respect to the market average, including all of its competitors. We analyzed all variables having an effect on the Economic Capital Ratio.
The greatest strength of Finance of America Companies Inc compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 8.9% points.The greatest weakness of Finance of America Companies Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 45% points.
The company's Economic Capital Ratio, given in the ranking table, is 9.1%, being 7.3% points below the market average of 16%.",
"report_url": "https://www.realrate-archive.com/us_savings/2024/report/0001828937_2025_Finance_of_America_Companies_Inc.pdf",
"shrinked_graph_json": {
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"Assets": "-2.52",
"Liabilities": "-4.22",
"Stockholders Equity": "-6.23",
"Other Assets": "8.43",
"Cash and Cash Equivalents": "-1.63",
"Securities": "-0.456",
"Notes Receivable": "-9.95",
"Deposits": "5.41",
"Other Liabilities": "-48.8",
"Other Revenues": "-1.59",
"Revenues": "-1.59",
"Net Income": "-3.67",
"ECR before LimitedLiability": "-6.81",
"Labor and Related Expense": "-1.66",
"Comprehensive Net Income": "-0.532",
"General and Administrative Expense": "-1.30",
"Other Net Income": "-1.87",
"Other Expenses": "0.527",
"Operating Expenses": "-3.50",
"Economic Capital Ratio": "-7.28"
},
"2023": {
"Other Liabilities": "-47.7",
"Liabilities": "-6.56",
"Stockholders Equity": "-5.63",
"Deposits": "4.92",
"Debt": "0.568",
"Expenses": "1.09",
"ECR before LimitedLiability": "-4.45",
"Labor and Related Expense": "0.213",
"Other Expenses": "0.221",
"Operating Expenses": "0.296",
"Selling and Marketing Expense": "0.228",
"General and Administrative Expense": "0.232",
"Other Revenues": "-4.87",
"Revenues": "-4.87",
"Securities": "-0.310",
"Notes Receivable": "-14.7",
"Loans": "-2.61",
"Other Assets": "8.56",
"Cash and Cash Equivalents": "-2.31",
"Economic Capital Ratio": "-6.35",
"Other Net Income": "-1.46"
},
"2024": {
"Debt": "0.922",
"Liabilities": "-7.62",
"Stockholders Equity": "-6.08",
"Other Liabilities": "-45.0",
"Deposits": "4.59",
"Expenses": "2.05",
"Net Income": "0.604",
"Other Expenses": "0.621",
"General and Administrative Expense": "0.608",
"Operating Expenses": "0.738",
"Selling and Marketing Expense": "0.610",
"Other Revenues": "-5.49",
"Revenues": "-5.49",
"ECR before LimitedLiability": "-4.75",
"Other Assets": "8.93",
"Notes Receivable": "-14.8",
"Loans": "-1.40",
"Cash and Cash Equivalents": "-2.10",
"Comprehensive Net Income": "0.603",
"Other Net Income": "-1.95",
"Economic Capital Ratio": "-7.28"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2024/plot_over_time/0001828937_strength_weakness.svg",
"table_records": {
"2022": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "456,901",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "663,325",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "28,389",
"Operating Expenses": "1,148,615",
"Other Assets": "20,775,294",
"Other Compr. Net Income": "524,792",
"Other Expenses": "-972,630",
"Other Liabilities": "20,467,814",
"Other Net Income": "35,831",
"Other Revenues": "573,241",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "20,467,814",
"Expenses": "1,324,600",
"Revenues": "573,241",
"Stockholders Equity": "404,841",
"Net Income": "-715,528",
"Comprehensive Net Income": "-190,736",
"BaseVar": "21,899,466",
"ECR before LimitedLiability": "0.057%",
"Economic Capital Ratio": "8.5%"
}
},
"2023": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "42,369",
"General and Administrative Expense": "82,204",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "178,319",
"Loans": "0",
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"Other Assets": "27,061,108",
"Other Compr. Net Income": "138,079",
"Other Expenses": "-326,085",
"Other Liabilities": "26,835,183",
"Other Net Income": "-51,698",
"Other Revenues": "234,250",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "31,896"
},
"output_variables": {
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"Liabilities": "26,835,183",
"Expenses": "400,710",
"Revenues": "234,250",
"Stockholders Equity": "272,407",
"Net Income": "-218,158",
"Comprehensive Net Income": "-80,079",
"BaseVar": "27,383,755",
"ECR before LimitedLiability": "0.21%",
"Economic Capital Ratio": "8.7%"
}
},
"2024": {
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The greatest strength of DeFi Development Corp compared to the market average is the variable Cash and Cash Equivalents, increasing the Economic Capital Ratio by 0.39% points.The greatest weakness of DeFi Development Corp is the variable Operating Expenses, reducing the Economic Capital Ratio by 146% points.
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The greatest strength of Open Lending Corp compared to the market average is the variable Cash and Cash Equivalents, increasing the Economic Capital Ratio by 0.38% points.The greatest weakness of Open Lending Corp is the variable Expenses, reducing the Economic Capital Ratio by 19% points.
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