{
"company_details": [
{
"company_id": "0001434621",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001434621.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001434621_main_keyfigs.svg",
"name": "Lendingtree Inc",
"rank": 1,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 42% points.The greatest weakness of Lendingtree Inc is the variable Expenses, reducing the Economic Capital Ratio by 111% points.
The company's Economic Capital Ratio, given in the ranking table, is 42%, being 27% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001434621_2026_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"
},
"2025": {
"Other Assets": "3.60",
"Assets": "-21.4",
"Liabilities": "36.3",
"Stockholders Equity": "6.82",
"ECR before LimitedLiability": "30.1",
"Loans": "-2.77",
"Notes Receivable": "-21.4",
"Deposits": "34.3",
"Debt": "10.0",
"Other Liabilities": "3.92",
"Operating Expenses": "7.88",
"Expenses": "-111",
"Revenues": "41.6",
"Net Income": "20.9",
"Labor and Related Expense": "2.48",
"Selling and Marketing Expense": "-110",
"General and Administrative Expense": "-13.5",
"Other Revenues": "41.6",
"Comprehensive Net Income": "20.6",
"Other Net Income": "-5.68",
"Economic Capital Ratio": "26.5"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "81,073",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "112,888",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "774,619",
"Other Compr. Net Income": "0",
"Other Expenses": "-3,565",
"Other Liabilities": "568,895",
"Other Net Income": "-43,789",
"Other Revenues": "1,117,324",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "812,904"
},
"output_variables": {
"Assets": "855,692",
"Liabilities": "568,895",
"Expenses": "922,227",
"Revenues": "1,117,324",
"Stockholders Equity": "286,797",
"Net Income": "151,308",
"Comprehensive Net Income": "151,308",
"BaseVar": "1,753,964",
"ECR before LimitedLiability": "41%",
"Economic Capital Ratio": "42%"
}
}
},
"top_rated": true,
"trend": 56.0,
"value": 0.415628577103531,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001434621.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001434621.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001434621.svg"
},
{
"company_id": "0001805284",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001805284.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001805284.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001805284.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001805284_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001805284_main_keyfigs.svg",
"name": "Rocket Companies Inc",
"rank": 2,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/backtesting_correlation/regression_0001805284.svg",
"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 23% points.The greatest weakness of Rocket Companies Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 25% points.
The company's Economic Capital Ratio, given in the ranking table, is 26%, being 11% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001805284_2026_Rocket_Companies_Inc.pdf",
"shrinked_graph_json": {
"2020": {
"Notes Receivable": "-5.87",
"Assets": "-9.90",
"Liabilities": "10.4",
"ECR before LimitedLiability": "0.864",
"Other Assets": "13.8",
"Loans": "-15.5",
"Cash and Cash Equivalents": "-0.679",
"Other Liabilities": "-32.5",
"Deposits": "14.4",
"Debt": "4.40",
"Expenses": "-7.66",
"Revenues": "-4.01",
"Net Income": "13.0",
"General and Administrative Expense": "-1.48",
"Selling and Marketing Expense": "-1.11",
"Operating Expenses": "1.39",
"Labor and Related Expense": "-5.46",
"Other Expenses": "-0.843",
"Other Revenues": "-4.01",
"Other Net Income": "17.4",
"Other Compr. Net Income": "-21.6",
"Economic Capital Ratio": "0.525"
},
"2021": {
"Assets": "-8.16",
"Liabilities": "14.1",
"Stockholders Equity": "3.47",
"ECR before LimitedLiability": "4.22",
"Loans": "-14.1",
"Other Assets": "16.1",
"Notes Receivable": "-7.05",
"Other Liabilities": "-35.4",
"Deposits": "17.4",
"Debt": "4.28",
"Selling and Marketing Expense": "-2.29",
"Expenses": "-13.4",
"Revenues": "-5.11",
"Net Income": "14.1",
"Operating Expenses": "1.22",
"Labor and Related Expense": "-7.64",
"General and Administrative Expense": "-2.11",
"Other Revenues": "-5.11",
"Other Net Income": "20.2",
"Other Compr. Net Income": "-16.8",
"Economic Capital Ratio": "3.79"
},
"2022": {
"Loans": "-12.0",
"Assets": "-3.05",
"Liabilities": "16.1",
"Stockholders Equity": "11.4",
"ECR before LimitedLiability": "13.4",
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"Notes Receivable": "-9.95",
"Deposits": "20.9",
"Other Liabilities": "-29.5",
"Debt": "5.60",
"Labor and Related Expense": "-14.2",
"Expenses": "-23.0",
"Revenues": "-4.81",
"Net Income": "2.89",
"General and Administrative Expense": "-3.84",
"Selling and Marketing Expense": "-4.00",
"Operating Expenses": "1.79",
"Other Revenues": "-4.81",
"Other Net Income": "21.1",
"Economic Capital Ratio": "12.9",
"Other Compr. Net Income": "-2.45"
},
"2023": {
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"Liabilities": "13.3",
"Stockholders Equity": "13.2",
"ECR before LimitedLiability": "15.9",
"Deposits": "20.6",
"Debt": "5.47",
"Expenses": "-15.3",
"Revenues": "-6.89",
"Net Income": "-0.991",
"Labor and Related Expense": "-11.8",
"Other Expenses": "-0.860",
"Operating Expenses": "3.70",
"Selling and Marketing Expense": "-2.63",
"General and Administrative Expense": "-2.70",
"Other Revenues": "-6.89",
"Notes Receivable": "-15.6",
"Loans": "-2.09",
"Other Assets": "23.1",
"Other Net Income": "16.9",
"Economic Capital Ratio": "14.0",
"Other Compr. Net Income": "1.79"
},
"2024": {
"Debt": "4.95",
"Liabilities": "9.26",
"Stockholders Equity": "8.91",
"ECR before LimitedLiability": "11.6",
"Other Liabilities": "-28.2",
"Deposits": "17.1",
"Expenses": "-6.93",
"Net Income": "3.34",
"Labor and Related Expense": "-7.66",
"General and Administrative Expense": "-1.72",
"Operating Expenses": "3.93",
"Selling and Marketing Expense": "-1.46",
"Other Revenues": "-7.49",
"Revenues": "-7.49",
"Other Assets": "21.0",
"Notes Receivable": "-15.8",
"Loans": "-1.05",
"Comprehensive Net Income": "1.30",
"Other Net Income": "17.0",
"Other Compr. Net Income": "-2.24",
"Economic Capital Ratio": "9.11"
},
"2025": {
"Other Assets": "22.6",
"Assets": "3.90",
"Liabilities": "7.95",
"Stockholders Equity": "12.0",
"ECR before LimitedLiability": "14.3",
"Loans": "-1.33",
"Notes Receivable": "-14.1",
"Deposits": "17.3",
"Debt": "3.23",
"Other Liabilities": "-25.4",
"Operating Expenses": "2.76",
"Expenses": "-4.30",
"Revenues": "-5.29",
"Net Income": "1.12",
"Labor and Related Expense": "-4.30",
"General and Administrative Expense": "-1.45",
"Other Expenses": "-0.619",
"Other Revenues": "-5.29",
"Comprehensive Net Income": "1.18",
"Other Net Income": "9.37",
"Economic Capital Ratio": "10.7"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001805284_strength_weakness.svg",
"table_records": {
"2020": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "74,316",
"General and Administrative Expense": "1,053,080",
"Interest Expense": "186,301",
"Interest Payable": "0",
"Labor and Related Expense": "3,238,301",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "35,480,499",
"Other Compr. Net Income": "-9,201,378",
"Other Expenses": "833,975",
"Other Liabilities": "29,652,446",
"Other Net Income": "15,735,182",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "949,933"
},
"output_variables": {
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"Liabilities": "29,652,446",
"Expenses": "6,335,906",
"Revenues": "0",
"Stockholders Equity": "7,882,156",
"Net Income": "9,399,276",
"Comprehensive Net Income": "197,898",
"BaseVar": "49,229,757",
"ECR before LimitedLiability": "12%",
"Economic Capital Ratio": "18%"
}
},
"2021": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "74,713",
"General and Administrative Expense": "1,183,418",
"Interest Expense": "230,740",
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"Labor and Related Expense": "3,356,815",
"Loans": "0",
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"Operating Expenses": "0",
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"Other Compr. Net Income": "-5,764,340",
"Other Expenses": "747,034",
"Other Liabilities": "23,015,363",
"Other Net Income": "12,914,466",
"Other Revenues": "0",
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},
"output_variables": {
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"Revenues": "0",
"Stockholders Equity": "9,759,532",
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"Comprehensive Net Income": "307,823",
"BaseVar": "40,655,684",
"ECR before LimitedLiability": "19%",
"Economic Capital Ratio": "23%"
}
},
"2022": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "94,020",
"General and Administrative Expense": "906,195",
"Interest Expense": "153,596",
"Interest Payable": "0",
"Labor and Related Expense": "2,797,868",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "19,293,113",
"Other Compr. Net Income": "-653,535",
"Other Expenses": "241,187",
"Other Liabilities": "11,606,663",
"Other Net Income": "5,838,493",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "945,694"
},
"output_variables": {
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"Liabilities": "11,606,663",
"Expenses": "5,138,560",
"Revenues": "0",
"Stockholders Equity": "8,475,549",
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"Comprehensive Net Income": "46,398",
"BaseVar": "21,659,732",
"ECR before LimitedLiability": "27%",
"Economic Capital Ratio": "29%"
}
},
"2023": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
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"General and Administrative Expense": "802,865",
"Interest Expense": "153,386",
"Interest Payable": "0",
"Labor and Related Expense": "2,257,291",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "18,094,908",
"Other Compr. Net Income": "374,553",
"Other Expenses": "128,860",
"Other Liabilities": "10,930,030",
"Other Net Income": "3,799,269",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "736,676"
},
"output_variables": {
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"Liabilities": "10,930,030",
"Expenses": "4,189,349",
"Revenues": "0",
"Stockholders Equity": "8,301,710",
"Net Income": "-390,080",
"Comprehensive Net Income": "-15,527",
"BaseVar": "19,262,470",
"ECR before LimitedLiability": "27%",
"Economic Capital Ratio": "29%"
}
},
"2024": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "112,917",
"General and Administrative Expense": "893,154",
"Interest Expense": "153,637",
"Interest Payable": "0",
"Labor and Related Expense": "2,261,245",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "23,220,742",
"Other Compr. Net Income": "-606,557",
"Other Expenses": "219,975",
"Other Liabilities": "15,466,683",
"Other Net Income": "5,100,798",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "824,042"
},
"output_variables": {
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"Liabilities": "15,466,683",
"Expenses": "4,464,970",
"Revenues": "0",
"Stockholders Equity": "9,043,380",
"Net Income": "635,828",
"Comprehensive Net Income": "29,271",
"BaseVar": "25,074,536",
"ECR before LimitedLiability": "23%",
"Economic Capital Ratio": "25%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "2,696,000",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "290,000",
"General and Administrative Expense": "1,439,000",
"Interest Expense": "438,000",
"Interest Payable": "0",
"Labor and Related Expense": "3,307,000",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "57,989,000",
"Other Compr. Net Income": "166,000",
"Other Expenses": "367,000",
"Other Liabilities": "37,787,000",
"Other Net Income": "6,695,000",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "1,088,000"
},
"output_variables": {
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"Liabilities": "37,787,000",
"Expenses": "6,929,000",
"Revenues": "0",
"Stockholders Equity": "22,898,000",
"Net Income": "-234,000",
"Comprehensive Net Income": "-68,000",
"BaseVar": "56,131,000",
"ECR before LimitedLiability": "23%",
"Economic Capital Ratio": "26%"
}
}
},
"top_rated": true,
"trend": 3.0,
"value": 0.25696580376286127,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001805284.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001805284.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001805284.svg"
},
{
"company_id": "0001029199",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001029199.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001029199_main_keyfigs.svg",
"name": "Euronet Worldwide INC",
"rank": 3,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 24% points.The greatest weakness of Euronet Worldwide INC is the variable Operating Expenses, reducing the Economic Capital Ratio by 55% points.
The company's Economic Capital Ratio, given in the ranking table, is 24%, being 9.3% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001029199_2026_Euronet_Worldwide_INC.pdf",
"shrinked_graph_json": {
"2020": {
"Notes Receivable": "-6.48",
"Assets": "-12.2",
"Liabilities": "14.9",
"Expenses": "-46.0",
"Stockholders Equity": "2.22",
"ECR before LimitedLiability": "5.16",
"Other Assets": "6.84",
"Loans": "-17.0",
"Cash and Cash Equivalents": "7.73",
"Other Liabilities": "-28.0",
"Deposits": "17.9",
"Debt": "4.67",
"Selling and Marketing Expense": "-2.81",
"Operating Expenses": "-51.9",
"Depreciation and Amortization": "-1.92",
"Labor and Related Expense": "-5.87",
"Other Expenses": "14.2",
"Other Revenues": "22.0",
"Revenues": "22.0",
"Economic Capital Ratio": "4.82",
"Other Net Income": "-2.97"
},
"2021": {
"Assets": "-15.2",
"Liabilities": "14.1",
"Comprehensive Net Income": "-2.21",
"ECR before LimitedLiability": "1.88",
"Loans": "-16.2",
"Other Assets": "5.95",
"Notes Receivable": "-8.17",
"Cash and Cash Equivalents": "6.29",
"Other Liabilities": "-29.2",
"Deposits": "17.2",
"Debt": "5.04",
"Selling and Marketing Expense": "-3.15",
"Expenses": "-55.6",
"Revenues": "20.1",
"Other Expenses": "12.3",
"Operating Expenses": "-61.0",
"Labor and Related Expense": "-6.71",
"Depreciation and Amortization": "-2.07",
"Other Revenues": "20.1",
"Other Net Income": "-3.65",
"Economic Capital Ratio": "1.44"
},
"2022": {
"Loans": "-14.2",
"Assets": "-14.3",
"Liabilities": "14.0",
"ECR before LimitedLiability": "5.59",
"Other Assets": "10.3",
"Cash and Cash Equivalents": "5.44",
"Notes Receivable": "-11.6",
"Deposits": "17.0",
"Other Liabilities": "-29.3",
"Debt": "5.76",
"Labor and Related Expense": "-6.19",
"Expenses": "-49.8",
"Net Income": "2.65",
"Other Expenses": "12.6",
"Selling and Marketing Expense": "-3.03",
"Operating Expenses": "-54.6",
"Other Revenues": "20.9",
"Revenues": "20.9",
"Comprehensive Net Income": "2.51",
"Other Net Income": "-3.18",
"Economic Capital Ratio": "5.12"
},
"2023": {
"Assets": "-13.4",
"Liabilities": "14.5",
"ECR before LimitedLiability": "9.05",
"Notes Receivable": "-19.7",
"Loans": "-2.56",
"Other Assets": "7.69",
"Cash and Cash Equivalents": "4.48",
"Other Liabilities": "-27.7",
"Deposits": "17.2",
"Debt": "5.87",
"Expenses": "-45.5",
"Net Income": "4.72",
"Labor and Related Expense": "-6.65",
"Other Expenses": "12.7",
"Operating Expenses": "-51.3",
"Selling and Marketing Expense": "-2.32",
"Other Revenues": "22.0",
"Revenues": "22.0",
"Other Net Income": "-1.91",
"Comprehensive Net Income": "5.16",
"Economic Capital Ratio": "7.15"
},
"2024": {
"Assets": "-14.4",
"Liabilities": "13.4",
"ECR before LimitedLiability": "6.59",
"Other Assets": "6.64",
"Notes Receivable": "-20.7",
"Cash and Cash Equivalents": "5.11",
"Debt": "6.45",
"Other Liabilities": "-20.9",
"Deposits": "15.4",
"Expenses": "-45.5",
"Net Income": "5.59",
"Labor and Related Expense": "-6.96",
"Other Expenses": "12.3",
"General and Administrative Expense": "1.99",
"Operating Expenses": "-53.9",
"Selling and Marketing Expense": "-2.02",
"Other Revenues": "20.3",
"Revenues": "20.3",
"Comprehensive Net Income": "4.01",
"Other Net Income": "-3.27",
"Economic Capital Ratio": "4.06"
},
"2025": {
"Other Assets": "7.89",
"Assets": "-14.1",
"Liabilities": "16.6",
"ECR before LimitedLiability": "12.9",
"Loans": "-1.98",
"Cash and Cash Equivalents": "2.61",
"Notes Receivable": "-19.9",
"Deposits": "18.2",
"Debt": "4.52",
"Other Liabilities": "-17.2",
"Operating Expenses": "-54.7",
"Expenses": "-50.0",
"Net Income": "5.65",
"Labor and Related Expense": "-8.22",
"Selling and Marketing Expense": "-2.60",
"Other Expenses": "13.3",
"Other Revenues": "24.1",
"Revenues": "24.1",
"Comprehensive Net Income": "8.48",
"Other Compr. Net Income": "2.80",
"Economic Capital Ratio": "9.29"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001029199_strength_weakness.svg",
"table_records": {
"2020": {
"input_variables": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "127,021",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "404,142",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "2,436,078",
"Other Assets": "3,506,456",
"Other Compr. Net Income": "70,581",
"Other Expenses": "-741,302",
"Other Liabilities": "3,480,808",
"Other Net Income": "-38,451",
"Other Revenues": "2,482,700",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "221,614"
},
"output_variables": {
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"Liabilities": "3,480,808",
"Expenses": "2,447,553",
"Revenues": "2,482,700",
"Stockholders Equity": "1,445,903",
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"Comprehensive Net Income": "67,277",
"BaseVar": "6,723,402",
"ECR before LimitedLiability": "19%",
"Economic Capital Ratio": "23%"
}
},
"2021": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "135,754",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "484,839",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "2,811,427",
"Other Assets": "3,483,810",
"Other Compr. Net Income": "-78,228",
"Other Expenses": "-807,438",
"Other Liabilities": "3,488,752",
"Other Net Income": "-48,341",
"Other Revenues": "2,995,443",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "251,933"
},
"output_variables": {
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"Liabilities": "3,488,752",
"Expenses": "2,876,515",
"Revenues": "2,995,443",
"Stockholders Equity": "1,255,524",
"Net Income": "70,587",
"Comprehensive Net Income": "-7,641",
"BaseVar": "7,115,778",
"ECR before LimitedLiability": "15%",
"Economic Capital Ratio": "20%"
}
},
"2022": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "135,864",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "534,238",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "2,973,402",
"Other Assets": "4,272,426",
"Other Compr. Net Income": "-78,595",
"Other Expenses": "-863,422",
"Other Liabilities": "4,159,227",
"Other Net Income": "-62,744",
"Other Revenues": "3,358,741",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "285,173"
},
"output_variables": {
"Assets": "5,403,633",
"Liabilities": "4,159,227",
"Expenses": "3,065,255",
"Revenues": "3,358,741",
"Stockholders Equity": "1,244,406",
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"Comprehensive Net Income": "152,147",
"BaseVar": "8,064,098",
"ECR before LimitedLiability": "16%",
"Economic Capital Ratio": "21%"
}
},
"2023": {
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"Debt": "0",
"Deposits": "0",
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"Interest Payable": "0",
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"Other Liabilities": "4,644,700",
"Other Net Income": "-32,200",
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"Professional Fees": "0",
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},
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"Revenues": "3,688,000",
"Stockholders Equity": "1,249,700",
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"Comprehensive Net Income": "327,400",
"BaseVar": "8,841,750",
"ECR before LimitedLiability": "18%",
"Economic Capital Ratio": "22%"
}
},
"2024": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "131,800",
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"Liabilities": "4,605,300",
"Expenses": "3,629,200",
"Revenues": "3,989,800",
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001881592.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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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"name": "NSTS Bancorp Inc",
"rank": 4,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/backtesting_correlation/regression_0001881592.svg",
"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 13% 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 23%, being 7.6% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001881592_2026_NSTS_Bancorp_Inc.pdf",
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{
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"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001806201.svg",
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"name": "Open Lending Corp",
"rank": 5,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/backtesting_correlation/regression_0001806201.svg",
"report_text": "The relative strengths and weaknesses of Open Lending 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 Open Lending Corp compared to the market average is the variable Cash and Cash Equivalents, increasing the Economic Capital Ratio by 21% points.The greatest weakness of Open Lending Corp is the variable Expenses, reducing the Economic Capital Ratio by 38% points.
The company's Economic Capital Ratio, given in the ranking table, is 21%, being 6.2% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001806201_2026_Open_Lending_Corp.pdf",
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"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "43,867",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "65,547",
"Other Assets": "53,204",
"Other Compr. Net Income": "0",
"Other Expenses": "44,492",
"Other Liabilities": "218,281",
"Other Net Income": "12,090",
"Other Revenues": "24,024",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "17,218"
},
"output_variables": {
"Assets": "296,368",
"Liabilities": "218,281",
"Expenses": "171,124",
"Revenues": "24,024",
"Stockholders Equity": "78,087",
"Net Income": "-135,010",
"Comprehensive Net Income": "-135,010",
"BaseVar": "360,944",
"ECR before LimitedLiability": "-37%",
"Economic Capital Ratio": "0.38%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "176,614",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "53,091",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "76,668",
"Other Assets": "60,065",
"Other Compr. Net Income": "0",
"Other Expenses": "-37,807",
"Other Liabilities": "161,719",
"Other Net Income": "9,299",
"Other Revenues": "93,217",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "14,800"
},
"output_variables": {
"Assets": "236,679",
"Liabilities": "161,719",
"Expenses": "106,752",
"Revenues": "93,217",
"Stockholders Equity": "74,960",
"Net Income": "-4,236",
"Comprehensive Net Income": "-4,236",
"BaseVar": "303,833",
"ECR before LimitedLiability": "17%",
"Economic Capital Ratio": "21%"
}
}
},
"top_rated": true,
"trend": 58.0,
"value": 0.21246264090435651,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001806201.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001806201.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001806201.svg"
},
{
"company_id": "0001084961",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001084961.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001084961_main_keyfigs.svg",
"name": "Encore Capital Group INC",
"rank": 6,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 Other Revenues, increasing the Economic Capital Ratio by 15% points.The greatest weakness of Encore Capital Group INC is the variable Other Liabilities, reducing the Economic Capital Ratio by 27% points.
The company's Economic Capital Ratio, given in the ranking table, is 21%, being 5.8% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001084961_2026_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"
},
"2025": {
"Other Assets": "-9.34",
"Assets": "-5.03",
"Liabilities": "9.44",
"Stockholders Equity": "2.02",
"ECR before LimitedLiability": "9.42",
"Loans": "-1.51",
"Notes Receivable": "9.27",
"Deposits": "14.2",
"Debt": "3.36",
"Other Liabilities": "-27.2",
"Operating Expenses": "-14.7",
"Expenses": "-11.3",
"Revenues": "14.9",
"Net Income": "5.20",
"Labor and Related Expense": "-5.59",
"General and Administrative Expense": "-1.50",
"Other Expenses": "8.37",
"Other Revenues": "14.9",
"Comprehensive Net Income": "5.50",
"Other Net Income": "-3.96",
"Economic Capital Ratio": "5.80"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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": {
"Cash and Cash Equivalents": "157,418",
"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": {
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"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": {
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"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%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "156,784",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "28,760",
"General and Administrative Expense": "165,948",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "458,233",
"Loans": "0",
"Notes Receivable": "4,371,532",
"Occupancy": "0",
"Operating Expenses": "1,142,155",
"Other Assets": "811,484",
"Other Compr. Net Income": "34,023",
"Other Expenses": "-573,616",
"Other Liabilities": "4,363,050",
"Other Net Income": "-290,488",
"Other Revenues": "1,768,802",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "5,339,800",
"Liabilities": "4,363,050",
"Expenses": "1,221,480",
"Revenues": "1,768,802",
"Stockholders Equity": "976,750",
"Net Income": "256,834",
"Comprehensive Net Income": "290,857",
"BaseVar": "6,508,822",
"ECR before LimitedLiability": "16%",
"Economic Capital Ratio": "21%"
}
}
},
"top_rated": true,
"trend": 43.0,
"value": 0.20832102873242894,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001084961.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001084961.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001084961.svg"
},
{
"company_id": "0000885550",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0000885550.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0000885550.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000885550.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000885550_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0000885550_main_keyfigs.svg",
"name": "Credit Acceptance CORP",
"rank": 7,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/backtesting_correlation/regression_0000885550.svg",
"report_text": "The relative strengths and weaknesses of Credit 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 Credit Acceptance CORP compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 13% points.The greatest weakness of Credit Acceptance CORP 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 20%, being 5.2% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0000885550_2026_Credit_Acceptance_CORP.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "-2.04",
"Liabilities": "8.11",
"Stockholders Equity": "4.81",
"ECR before LimitedLiability": "11.6",
"Other Assets": "-12.0",
"Notes Receivable": "-1.40",
"Loans": "14.7",
"Deposits": "19.5",
"Other Liabilities": "-47.0",
"Debt": "4.55",
"Expenses": "-7.98",
"Revenues": "14.5",
"Net Income": "6.59",
"Labor and Related Expense": "-2.04",
"Other Expenses": "-8.49",
"Interest Expense": "-1.94",
"Operating Expenses": "3.32",
"Other Revenues": "14.5",
"Comprehensive Net Income": "6.67",
"Other Net Income": "-1.34",
"Economic Capital Ratio": "10.4"
},
"2017": {
"Notes Receivable": "-1.33",
"Assets": "-1.69",
"Liabilities": "9.72",
"Stockholders Equity": "6.53",
"ECR before LimitedLiability": "14.8",
"Other Assets": "-11.4",
"Loans": "13.7",
"Other Liabilities": "-46.3",
"Debt": "4.41",
"Deposits": "22.3",
"Expenses": "-8.19",
"Revenues": "15.5",
"Net Income": "8.29",
"Other Expenses": "-5.48",
"Operating Expenses": "2.47",
"Labor and Related Expense": "-2.08",
"Interest Expense": "-2.27",
"Other Revenues": "15.5",
"Comprehensive Net Income": "8.32",
"Other Net Income": "-1.25",
"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"
},
"2025": {
"Other Assets": "-12.0",
"Assets": "-3.28",
"Liabilities": "6.86",
"Stockholders Equity": "2.03",
"ECR before LimitedLiability": "8.77",
"Loans": "-1.44",
"Notes Receivable": "12.4",
"Deposits": "13.4",
"Debt": "3.18",
"Other Liabilities": "-29.4",
"Operating Expenses": "-2.17",
"Expenses": "-10.6",
"Revenues": "12.6",
"Net Income": "5.26",
"Interest Expense": "-3.69",
"Labor and Related Expense": "-1.95",
"General and Administrative Expense": "-0.626",
"Other Expenses": "-2.01",
"Other Revenues": "12.6",
"Comprehensive Net Income": "5.06",
"Economic Capital Ratio": "5.16"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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": {
"Cash and Cash Equivalents": "517,700",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "470,900",
"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%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "500,700",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "161,400",
"Interest Expense": "462,900",
"Interest Payable": "0",
"Labor and Related Expense": "337,100",
"Loans": "0",
"Notes Receivable": "7,909,200",
"Occupancy": "0",
"Operating Expenses": "599,900",
"Other Assets": "221,800",
"Other Compr. Net Income": "1,300",
"Other Expenses": "230,600",
"Other Liabilities": "7,108,100",
"Other Net Income": "0",
"Other Revenues": "2,317,200",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "101,400"
},
"output_variables": {
"Assets": "8,631,700",
"Liabilities": "7,108,100",
"Expenses": "1,893,300",
"Revenues": "2,317,200",
"Stockholders Equity": "1,523,600",
"Net Income": "423,900",
"Comprehensive Net Income": "425,200",
"BaseVar": "9,975,800",
"ECR before LimitedLiability": "15%",
"Economic Capital Ratio": "20%"
}
}
},
"top_rated": true,
"trend": 3.0,
"value": 0.20187429798875653,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0000885550.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0000885550.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0000885550.svg"
},
{
"company_id": "0001569994",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001569994.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001569994_main_keyfigs.svg",
"name": "Waterstone Financial Inc",
"rank": 8,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 9.1% 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 17%, being 1.7% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001569994_2026_Waterstone_Financial_Inc.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-1.26",
"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": {
"Assets": "1.80",
"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",
"Expenses": "2.98",
"Revenues": "-3.32",
"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": {
"Loans": "-8.77",
"Assets": "2.85",
"Liabilities": "-1.43",
"Stockholders Equity": "1.63",
"ECR before LimitedLiability": "1.51",
"Other Assets": "-2.14",
"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",
"Debt": "-8.35",
"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",
"Revenues": "-5.03",
"Net Income": "1.63",
"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"
},
"2025": {
"Other Assets": "-3.11",
"Assets": "4.02",
"Liabilities": "-1.88",
"Stockholders Equity": "2.26",
"ECR before LimitedLiability": "5.33",
"Loans": "-1.27",
"Cash and Cash Equivalents": "-1.52",
"Notes Receivable": "9.13",
"Deposits": "-10.6",
"Debt": "-5.06",
"Other Liabilities": "8.81",
"Operating Expenses": "2.55",
"Expenses": "5.72",
"Revenues": "-3.98",
"Net Income": "2.23",
"Labor and Related Expense": "0.756",
"Selling and Marketing Expense": "1.19",
"Other Revenues": "-3.98",
"Comprehensive Net Income": "2.30",
"Other Net Income": "1.25",
"Economic Capital Ratio": "1.72"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001569994_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"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",
"Loans": "1,161,855",
"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": {
"Assets": "1,790,619",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "386,285",
"Deposits": "967,380",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,277,737",
"Notes Receivable": "0",
"Occupancy": "0",
"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",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,806,401",
"Liabilities": "1,394,297",
"Expenses": "18,469",
"Revenues": "0",
"Stockholders Equity": "412,104",
"Net Income": "25,964",
"Comprehensive Net Income": "25,865",
"BaseVar": "1,631,850",
"ECR before LimitedLiability": "14%",
"Economic Capital Ratio": "20%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "435,046",
"Deposits": "1,038,495",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,365,899",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"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",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,915,381",
"Liabilities": "1,515,702",
"Expenses": "9,526",
"Revenues": "0",
"Stockholders Equity": "399,679",
"Net Income": "30,754",
"Comprehensive Net Income": "28,870",
"BaseVar": "1,741,386",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "19%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "483,562",
"Deposits": "1,067,776",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,375,644",
"Notes Receivable": "0",
"Occupancy": "0",
"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",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,996,347",
"Liabilities": "1,602,661",
"Expenses": "11,671",
"Revenues": "0",
"Stockholders Equity": "393,686",
"Net Income": "35,903",
"Comprehensive Net Income": "38,906",
"BaseVar": "1,830,628",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "19%"
}
},
"2020": {
"input_variables": {
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"Debt": "508,074",
"Deposits": "1,184,870",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,356,314",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "828,273",
"Other Compr. Net Income": "1,684",
"Other Expenses": "26,971",
"Other Liabilities": "78,525",
"Other Net Income": "108,116",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,184,587",
"Liabilities": "1,771,469",
"Expenses": "26,971",
"Revenues": "0",
"Stockholders Equity": "413,118",
"Net Income": "81,145",
"Comprehensive Net Income": "82,829",
"BaseVar": "2,046,414",
"ECR before LimitedLiability": "15%",
"Economic Capital Ratio": "20%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "477,127",
"Deposits": "1,233,386",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,190,007",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,025,851",
"Other Compr. Net Income": "-3,461",
"Other Expenses": "21,315",
"Other Liabilities": "72,572",
"Other Net Income": "92,106",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,215,858",
"Liabilities": "1,783,085",
"Expenses": "21,315",
"Revenues": "0",
"Stockholders Equity": "432,773",
"Net Income": "70,791",
"Comprehensive Net Income": "67,330",
"BaseVar": "2,057,912",
"ECR before LimitedLiability": "14%",
"Economic Capital Ratio": "20%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "386,784",
"Deposits": "1,199,012",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,492,421",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "539,251",
"Other Compr. Net Income": "-18,341",
"Other Expenses": "4,992",
"Other Liabilities": "75,390",
"Other Net Income": "24,479",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,031,672",
"Liabilities": "1,661,186",
"Expenses": "4,992",
"Revenues": "0",
"Stockholders Equity": "370,486",
"Net Income": "19,487",
"Comprehensive Net Income": "1,146",
"BaseVar": "1,870,335",
"ECR before LimitedLiability": "10%",
"Economic Capital Ratio": "17%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "611,054",
"Deposits": "1,190,624",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,645,666",
"Occupancy": "0",
"Operating Expenses": "0",
"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",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,213,389",
"Liabilities": "1,869,333",
"Expenses": "1,657",
"Revenues": "0",
"Stockholders Equity": "344,056",
"Net Income": "9,375",
"Comprehensive Net Income": "11,059",
"BaseVar": "2,048,548",
"ECR before LimitedLiability": "9.0%",
"Economic Capital Ratio": "16%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "446,519",
"Deposits": "1,359,897",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,662,329",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "547,279",
"Other Compr. Net Income": "-994",
"Other Expenses": "5,314",
"Other Liabilities": "64,057",
"Other Net Income": "24,002",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,209,608",
"Liabilities": "1,870,473",
"Expenses": "5,314",
"Revenues": "0",
"Stockholders Equity": "339,135",
"Net Income": "18,688",
"Comprehensive Net Income": "17,694",
"BaseVar": "2,055,196",
"ECR before LimitedLiability": "9.2%",
"Economic Capital Ratio": "16%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "412,258",
"Deposits": "1,437,272",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,658,074",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "601,433",
"Other Compr. Net Income": "6,519",
"Other Expenses": "7,043",
"Other Liabilities": "60,585",
"Other Net Income": "33,445",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,259,507",
"Liabilities": "1,910,115",
"Expenses": "7,043",
"Revenues": "0",
"Stockholders Equity": "349,392",
"Net Income": "26,402",
"Comprehensive Net Income": "32,921",
"BaseVar": "2,108,314",
"ECR before LimitedLiability": "10.0%",
"Economic Capital Ratio": "17%"
}
}
},
"top_rated": true,
"trend": 10.0,
"value": 0.16747536778597144,
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001569994.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001569994.svg"
},
{
"company_id": "0001584207",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001584207.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001584207_main_keyfigs.svg",
"name": "Onemain Holdings Inc",
"rank": 9,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 10.0% points.The greatest weakness of Onemain Holdings Inc is the variable Debt, reducing the Economic Capital Ratio by 69% points.
The company's Economic Capital Ratio, given in the ranking table, is 17%, being 1.6% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001584207_2026_Onemain_Holdings_Inc.pdf",
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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"
},
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},
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},
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},
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},
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},
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},
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},
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},
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}
},
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"BaseVar": "16,825,000",
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}
},
"2017": {
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},
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}
},
"2019": {
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}
},
"2020": {
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}
},
"2021": {
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}
},
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001584207.svg",
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},
{
"company_id": "0001258602",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001258602.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001258602_main_keyfigs.svg",
"name": "Nelnet INC",
"rank": 10,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 8.5% points.The greatest weakness of Nelnet INC is the variable Debt, reducing the Economic Capital Ratio by 35% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.90% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001258602_2026_Nelnet_INC.pdf",
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"Revenues": "-2.61",
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"Comprehensive Net Income": "1.06",
"Economic Capital Ratio": "-4.04"
},
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"Liabilities": "-2.58",
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},
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"Other Net Income": "-0.714",
"Economic Capital Ratio": "-5.71"
},
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},
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},
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},
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},
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"Operating Expenses": "-1.40",
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"General and Administrative Expense": "1.47",
"Other Revenues": "-4.86",
"Economic Capital Ratio": "-2.29",
"Comprehensive Net Income": "-3.83"
},
"2024": {
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"Other Liabilities": "6.05",
"Stockholders Equity": "4.83",
"Economic Capital Ratio": "-2.27",
"Other Assets": "-6.19",
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"Expenses": "1.19",
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},
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"Assets": "4.24",
"Liabilities": "2.74",
"Stockholders Equity": "7.46",
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"Notes Receivable": "8.47",
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"Revenues": "-4.29",
"Net Income": "-2.84",
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"Other Revenues": "-4.29",
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"Other Net Income": "3.55",
"Economic Capital Ratio": "0.896"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001258602_strength_weakness.svg",
"table_records": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "33,933",
"General and Administrative Expense": "0",
"Interest Expense": "0",
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"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": {
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"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": {
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"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",
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},
"output_variables": {
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"Liabilities": "21,799,048",
"Expenses": "560,592",
"Revenues": "431,625",
"Stockholders Equity": "2,165,387",
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"BaseVar": "23,528,860",
"ECR before LimitedLiability": "5.5%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
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"Debt": "0",
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"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
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"Loans": "0",
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"Occupancy": "0",
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"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": {
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"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": {
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"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
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"Interest Payable": "47,285",
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"Loans": "0",
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"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",
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},
"output_variables": {
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"Liabilities": "21,317,876",
"Expenses": "900,301",
"Revenues": "65,179",
"Stockholders Equity": "2,391,094",
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"Comprehensive Net Income": "-655,963",
"BaseVar": "23,086,144",
"ECR before LimitedLiability": "2.4%",
"Economic Capital Ratio": "11%"
}
},
"2020": {
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"General and Administrative Expense": "0",
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"Interest Payable": "28,701",
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"Loans": "0",
"Notes Receivable": "20,185,656",
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"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",
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"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Liabilities": "20,017,811",
"Expenses": "1,011,706",
"Revenues": "57,561",
"Stockholders Equity": "2,628,349",
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"Comprehensive Net Income": "-454,827",
"BaseVar": "22,116,278",
"ECR before LimitedLiability": "4.0%",
"Economic Capital Ratio": "12%"
}
},
"2021": {
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"Labor and Related Expense": "507,132",
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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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},
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"BaseVar": "20,954,752",
"ECR before LimitedLiability": "5.2%",
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}
},
"2022": {
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"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",
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},
"output_variables": {
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}
},
"2023": {
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}
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"Other Net Income": "314,472",
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"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
},
"2025": {
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"Deposits": "1,669,173",
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"Other Net Income": "541,580",
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}
}
},
"top_rated": true,
"trend": 22.0,
"value": 0.15924379901095026,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001258602.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001258602.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001258602.svg"
},
{
"company_id": "0001538263",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001538263.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001538263_main_keyfigs.svg",
"name": "Hometrust Bancshares Inc",
"rank": 11,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 9.3% points.The greatest weakness of Hometrust Bancshares 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 16%, being 0.78% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001538263_2026_Hometrust_Bancshares_Inc.pdf",
"shrinked_graph_json": {
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"Assets": "2.11",
"Liabilities": "-2.79",
"Stockholders Equity": "-0.516",
"ECR before LimitedLiability": "-0.691",
"Other Assets": "-1.13",
"Notes Receivable": "-1.32",
"Loans": "6.67",
"Deposits": "-6.66",
"Debt": "3.65",
"Expenses": "5.46",
"Revenues": "-3.56",
"Comprehensive Net Income": "0.583",
"Selling and Marketing Expense": "0.967",
"General and Administrative Expense": "1.07",
"Labor and Related Expense": "0.570",
"Other Expenses": "-0.942",
"Operating Expenses": "2.98",
"Other Revenues": "-3.56",
"Other Net Income": "-0.565",
"Economic Capital Ratio": "-1.96"
},
"2017": {
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"Assets": "1.32",
"Liabilities": "-2.58",
"Stockholders Equity": "-1.09",
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"Securities": "-0.555",
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"Other Assets": "-2.72",
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"Debt": "3.18",
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"Expenses": "4.08",
"Selling and Marketing Expense": "0.514",
"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",
"Expenses": "3.28",
"Revenues": "-2.33",
"Stockholders Equity": "-1.52",
"ECR before LimitedLiability": "-2.13",
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"Securities": "-0.463",
"Cash and Cash Equivalents": "-1.23",
"Loans": "6.26",
"Deposits": "-4.95",
"Debt": "2.80",
"Labor and Related Expense": "0.517",
"Other Expenses": "0.272",
"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",
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"Notes Receivable": "-2.07",
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"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": {
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"Assets": "1.04",
"Liabilities": "-3.44",
"Expenses": "4.35",
"Stockholders Equity": "-2.16",
"ECR before LimitedLiability": "-3.30",
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"Other Liabilities": "4.57",
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"Selling and Marketing Expense": "0.628",
"Operating Expenses": "1.12",
"Labor and Related Expense": "0.796",
"Other Expenses": "0.521",
"Other Revenues": "-3.03",
"Revenues": "-3.03",
"Economic Capital Ratio": "-3.64",
"Other Net Income": "-0.960"
},
"2021": {
"Assets": "1.49",
"Liabilities": "-3.55",
"Stockholders Equity": "-1.85",
"ECR before LimitedLiability": "-4.16",
"Loans": "-10.2",
"Other Assets": "-4.69",
"Notes Receivable": "13.7",
"Cash and Cash Equivalents": "-1.76",
"Other Liabilities": "5.76",
"Deposits": "-15.6",
"Debt": "3.42",
"Expenses": "4.53",
"Revenues": "-3.52",
"Net Income": "-1.16",
"Operating Expenses": "1.00",
"Labor and Related Expense": "0.989",
"General and Administrative Expense": "0.655",
"Other Revenues": "-3.52",
"Comprehensive Net Income": "-1.05",
"Other Net Income": "-1.44",
"Economic Capital Ratio": "-4.59"
},
"2022": {
"Loans": "-9.15",
"Assets": "1.70",
"Liabilities": "-3.33",
"Stockholders Equity": "-1.45",
"ECR before LimitedLiability": "-0.941",
"Other Assets": "-4.63",
"Notes Receivable": "12.9",
"Deposits": "-20.5",
"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"
},
"2024": {
"Assets": "3.40",
"Liabilities": "-4.44",
"Stockholders Equity": "-0.923",
"ECR before LimitedLiability": "1.28",
"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"
},
"2025": {
"Other Assets": "-6.50",
"Assets": "3.68",
"Liabilities": "-2.40",
"Stockholders Equity": "1.33",
"ECR before LimitedLiability": "4.40",
"Loans": "-1.33",
"Cash and Cash Equivalents": "0.883",
"Notes Receivable": "9.31",
"Deposits": "-22.9",
"Debt": "2.78",
"Other Liabilities": "7.88",
"Operating Expenses": "2.67",
"Expenses": "5.95",
"Revenues": "-4.05",
"Net Income": "2.53",
"Labor and Related Expense": "0.786",
"Selling and Marketing Expense": "1.24",
"Other Revenues": "-4.05",
"Comprehensive Net Income": "2.39",
"Other Net Income": "1.53",
"Economic Capital Ratio": "0.784"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001538263_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "1,802,696",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "1,811,539",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "906,138",
"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": {
"Assets": "2,717,677",
"Liabilities": "2,357,701",
"Expenses": "4,901",
"Revenues": "0",
"Stockholders Equity": "359,976",
"Net Income": "11,456",
"Comprehensive Net Income": "12,929",
"BaseVar": "2,549,054",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"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",
"Other Assets": "876,214",
"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": {
"Assets": "3,206,533",
"Liabilities": "2,808,886",
"Expenses": "5,192",
"Revenues": "0",
"Stockholders Equity": "397,647",
"Net Income": "11,847",
"Comprehensive Net Income": "9,777",
"BaseVar": "3,019,860",
"ECR before LimitedLiability": "6.9%",
"Economic Capital Ratio": "15%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,196,253",
"Depreciation and Amortization": "0",
"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": {
"Assets": "3,304,169",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "71,043",
"Debt": "0",
"Deposits": "2,327,257",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "2,683,761",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "721,374",
"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": {
"Assets": "3,476,178",
"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": {
"Cash and Cash Equivalents": "121,622",
"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": {
"Assets": "3,722,852",
"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": {
"Cash and Cash Equivalents": "50,990",
"Debt": "0",
"Deposits": "2,955,541",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "2,697,799",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "775,934",
"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": {
"Assets": "3,524,723",
"Liabilities": "3,128,204",
"Expenses": "3,421",
"Revenues": "0",
"Stockholders Equity": "396,519",
"Net Income": "15,675",
"Comprehensive Net Income": "15,172",
"BaseVar": "3,337,974",
"ECR before LimitedLiability": "6.4%",
"Economic Capital Ratio": "14%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "105,119",
"Debt": "0",
"Deposits": "3,099,761",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "2,734,605",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "709,480",
"Other Compr. Net Income": "-3,917",
"Other Expenses": "9,725",
"Other Liabilities": "60,598",
"Other Net Income": "45,378",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,549,204",
"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",
"Deposits": "3,779,203",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "3,603,014",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "713,197",
"Other Compr. Net Income": "-134",
"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": {
"Assets": "4,595,430",
"Liabilities": "4,043,672",
"Expenses": "15,106",
"Revenues": "0",
"Stockholders Equity": "551,758",
"Net Income": "54,805",
"Comprehensive Net Income": "54,671",
"BaseVar": "4,362,126",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "324,692",
"Debt": "0",
"Deposits": "3,709,997",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "3,536,675",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "684,268",
"Other Compr. Net Income": "2,260",
"Other Expenses": "16,591",
"Other Liabilities": "234,948",
"Other Net Income": "80,955",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "4,545,635",
"Liabilities": "3,944,945",
"Expenses": "16,591",
"Revenues": "0",
"Stockholders Equity": "600,690",
"Net Income": "64,364",
"Comprehensive Net Income": "66,624",
"BaseVar": "4,295,193",
"ECR before LimitedLiability": "8.6%",
"Economic Capital Ratio": "16%"
}
}
},
"top_rated": true,
"trend": 13.0,
"value": 0.15812226148764208,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001538263.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001538263.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001538263.svg"
},
{
"company_id": "0001544190",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001544190.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001544190.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001544190.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001544190_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001544190_main_keyfigs.svg",
"name": "Shepherd s Finance LLC",
"rank": 12,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 14% points.The greatest weakness of Shepherd s Finance LLC is the variable Other Liabilities, reducing the Economic Capital Ratio by 27% points.
The company's Economic Capital Ratio, given in the ranking table, is 16%, being 0.73% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001544190_2026_Shepherd_s_Finance_LLC.pdf",
"shrinked_graph_json": {
"2016": {
"Expenses": "0.668",
"Net Income": "1.75",
"Selling and Marketing Expense": "-2.94",
"General and Administrative Expense": "1.08",
"Labor and Related Expense": "0.573",
"Other Expenses": "-1.14",
"Operating Expenses": "2.98",
"Other Revenues": "2.19",
"Revenues": "2.19",
"Cash and Cash Equivalents": "0.632",
"Stockholders Equity": "-0.691",
"ECR before LimitedLiability": "0.734",
"Comprehensive Net Income": "1.84",
"Debt": "3.72",
"Other Assets": "15.0",
"Notes Receivable": "-1.31",
"Deposits": "11.4",
"Other Liabilities": "-50.0",
"Loans": "-14.1",
"Other Net Income": "-1.04",
"Economic Capital Ratio": "-0.533"
},
"2017": {
"Notes Receivable": "-1.25",
"Assets": "-1.22",
"Debt": "3.22",
"Stockholders Equity": "-1.15",
"ECR before LimitedLiability": "0.471",
"Securities": "-0.541",
"Cash and Cash Equivalents": "1.85",
"Other Assets": "14.5",
"Loans": "-15.0",
"Expenses": "-1.06",
"Revenues": "3.92",
"Net Income": "1.64",
"Selling and Marketing Expense": "-3.68",
"Other Expenses": "-0.504",
"Operating Expenses": "2.01",
"Labor and Related Expense": "0.575",
"Other Revenues": "3.92",
"Other Liabilities": "-49.2",
"Deposits": "11.5",
"Comprehensive Net Income": "1.67",
"Other Net Income": "-0.923",
"Economic Capital Ratio": "-0.232"
},
"2018": {
"Other Assets": "14.3",
"Assets": "-1.24",
"Liabilities": "-1.18",
"Stockholders Equity": "-2.39",
"ECR before LimitedLiability": "-1.96",
"Notes Receivable": "-1.19",
"Securities": "-0.480",
"Cash and Cash Equivalents": "-0.386",
"Loans": "-15.9",
"Deposits": "10.5",
"Other Liabilities": "-51.4",
"Debt": "2.92",
"Other Revenues": "2.51",
"Revenues": "2.51",
"Net Income": "0.647",
"Comprehensive Net Income": "0.750",
"Labor and Related Expense": "0.538",
"Other Net Income": "-1.57",
"Selling and Marketing Expense": "-2.28",
"Operating Expenses": "1.30",
"Economic Capital Ratio": "-2.23"
},
"2019": {
"Other Assets": "-6.98",
"Assets": "-1.13",
"Stockholders Equity": "-1.76",
"ECR before LimitedLiability": "-1.39",
"Notes Receivable": "-2.15",
"Loans": "7.99",
"Interest Payable": "-1.63",
"Liabilities": "-0.596",
"Deposits": "10.5",
"Debt": "4.35",
"Other Liabilities": "-46.3",
"Expenses": "-0.733",
"Revenues": "3.00",
"Net Income": "0.640",
"Operating Expenses": "0.629",
"Selling and Marketing Expense": "-2.15",
"Labor and Related Expense": "0.594",
"Other Revenues": "3.00",
"Comprehensive Net Income": "0.560",
"Other Net Income": "-1.39",
"Economic Capital Ratio": "-1.58"
},
"2020": {
"Notes Receivable": "-5.97",
"Assets": "-0.617",
"Liabilities": "-3.39",
"Stockholders Equity": "-3.78",
"Other Assets": "-8.68",
"Loans": "6.80",
"Cash and Cash Equivalents": "1.18",
"Other Liabilities": "-38.8",
"Deposits": "6.24",
"Interest Payable": "-2.58",
"Debt": "1.35",
"Other Revenues": "-3.75",
"Revenues": "-3.75",
"Net Income": "-3.88",
"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"
},
"2021": {
"Other Liabilities": "-45.4",
"Liabilities": "-2.05",
"Stockholders Equity": "-1.95",
"Loans": "11.8",
"ECR before LimitedLiability": "-3.34",
"Deposits": "10.3",
"Debt": "3.46",
"Interest Payable": "-1.78",
"Selling and Marketing Expense": "-1.88",
"Expenses": "1.35",
"Revenues": "-3.56",
"Net Income": "-0.505",
"Operating Expenses": "1.01",
"Labor and Related Expense": "0.992",
"General and Administrative Expense": "0.657",
"Other Revenues": "-3.56",
"Other Assets": "-7.58",
"Notes Receivable": "-5.51",
"Comprehensive Net Income": "-0.370",
"Other Net Income": "2.09",
"Economic Capital Ratio": "-3.77"
},
"2022": {
"Deposits": "10.7",
"Liabilities": "-1.36",
"Loans": "14.5",
"Stockholders Equity": "-1.24",
"ECR before LimitedLiability": "0.878",
"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"
},
"2025": {
"Deposits": "9.73",
"Liabilities": "0.891",
"ECR before LimitedLiability": "4.34",
"Debt": "3.09",
"Other Liabilities": "-27.0",
"Interest Payable": "-2.11",
"Operating Expenses": "2.97",
"Expenses": "-1.62",
"Net Income": "3.26",
"Labor and Related Expense": "0.872",
"Selling and Marketing Expense": "-2.83",
"General and Administrative Expense": "0.715",
"Other Expenses": "-3.34",
"Other Revenues": "-4.47",
"Revenues": "-4.47",
"Comprehensive Net Income": "3.05",
"Other Net Income": "7.66",
"Economic Capital Ratio": "0.726",
"Loans": "-1.47",
"Other Assets": "14.3",
"Notes Receivable": "-13.5"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001544190_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "1,566",
"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": {
"Assets": "24,886",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "3,478",
"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": "32,877",
"Other Compr. Net Income": "0",
"Other Expenses": "266",
"Other Liabilities": "31,572",
"Other Net Income": "0",
"Other Revenues": "3,138",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "2,090"
},
"output_variables": {
"Assets": "36,355",
"Liabilities": "31,572",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "1,401",
"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": "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": {
"Assets": "55,810",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "1,883",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "2,533",
"Labor and Related Expense": "0",
"Loans": "55,369",
"Notes Receivable": "0",
"Occupancy": "0",
"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": {
"Assets": "64,337",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "4,749",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "3,158",
"Labor and Related Expense": "0",
"Loans": "46,405",
"Notes Receivable": "0",
"Occupancy": "0",
"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": {
"Assets": "59,269",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "3,735",
"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",
"Notes Receivable": "0",
"Occupancy": "0",
"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": {
"Assets": "57,615",
"Liabilities": "51,011",
"Expenses": "2,075",
"Revenues": "0",
"Stockholders Equity": "6,604",
"Net Income": "765",
"Comprehensive Net Income": "765",
"BaseVar": "56,770",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "2,996",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "2,921",
"Labor and Related Expense": "0",
"Loans": "56,650",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "5,826",
"Other Compr. Net Income": "0",
"Other Expenses": "58",
"Other Liabilities": "54,746",
"Other Net Income": "4,501",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "2,683"
},
"output_variables": {
"Assets": "65,472",
"Liabilities": "57,667",
"Expenses": "2,741",
"Revenues": "0",
"Stockholders Equity": "7,805",
"Net Income": "1,760",
"Comprehensive Net Income": "1,760",
"BaseVar": "65,190",
"ECR before LimitedLiability": "9.2%",
"Economic Capital Ratio": "16%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "3,522",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "3,861",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "61,312",
"Other Compr. Net Income": "0",
"Other Expenses": "117",
"Other Liabilities": "54,206",
"Other Net Income": "5,391",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "2,696"
},
"output_variables": {
"Assets": "64,834",
"Liabilities": "58,067",
"Expenses": "2,813",
"Revenues": "0",
"Stockholders Equity": "6,767",
"Net Income": "2,578",
"Comprehensive Net Income": "2,578",
"BaseVar": "65,552",
"ECR before LimitedLiability": "9.7%",
"Economic Capital Ratio": "17%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "3,347",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "3,280",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "66,016",
"Other Compr. Net Income": "0",
"Other Expenses": "3,673",
"Other Liabilities": "57,510",
"Other Net Income": "8,471",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "3,061"
},
"output_variables": {
"Assets": "69,363",
"Liabilities": "60,790",
"Expenses": "6,734",
"Revenues": "0",
"Stockholders Equity": "8,573",
"Net Income": "1,737",
"Comprehensive Net Income": "1,737",
"BaseVar": "72,679",
"ECR before LimitedLiability": "9.3%",
"Economic Capital Ratio": "16%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "3,490",
"Debt": "0",
"Deposits": "838",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "3,595",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "65,046",
"Other Compr. Net Income": "0",
"Other Expenses": "3,073",
"Other Liabilities": "55,892",
"Other Net Income": "8,310",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "3,824"
},
"output_variables": {
"Assets": "68,536",
"Liabilities": "60,325",
"Expenses": "6,897",
"Revenues": "0",
"Stockholders Equity": "8,211",
"Net Income": "1,413",
"Comprehensive Net Income": "1,413",
"BaseVar": "72,034",
"ECR before LimitedLiability": "8.6%",
"Economic Capital Ratio": "16%"
}
}
},
"top_rated": false,
"trend": 5.0,
"value": 0.15754841286316293,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001544190.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001544190.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001544190.svg"
},
{
"company_id": "0001409970",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001409970.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001409970_main_keyfigs.svg",
"name": "Lendingclub Corp",
"rank": 13,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 Assets, increasing the Economic Capital Ratio by 8.2% points.The greatest weakness of Lendingclub Corp 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 0.49% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001409970_2026_Lendingclub_Corp.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "3.53",
"Assets": "-0.966",
"Liabilities": "2.00",
"ECR before LimitedLiability": "-1.33",
"Other Assets": "12.6",
"Notes Receivable": "-1.51",
"Loans": "-14.9",
"Deposits": "10.3",
"Other Liabilities": "-43.0",
"Debt": "4.16",
"Expenses": "-3.83",
"Net Income": "-2.00",
"Selling and Marketing Expense": "-2.11",
"General and Administrative Expense": "-1.87",
"Other Expenses": "5.94",
"Operating Expenses": "-6.04",
"Other Revenues": "3.53",
"Revenues": "3.53",
"Comprehensive Net Income": "-1.90",
"Other Net Income": "-1.17",
"Economic Capital Ratio": "-2.60"
},
"2017": {
"Notes Receivable": "-1.44",
"Assets": "-2.42",
"Liabilities": "4.78",
"Stockholders Equity": "1.41",
"Economic Capital Ratio": "-1.62",
"Cash and Cash Equivalents": "4.12",
"Other Assets": "12.9",
"Loans": "-16.1",
"Other Liabilities": "-40.0",
"Debt": "3.63",
"Deposits": "11.1",
"Expenses": "-7.93",
"Revenues": "6.53",
"Net Income": "-2.68",
"Selling and Marketing Expense": "-3.34",
"Other Expenses": "6.60",
"Operating Expenses": "-9.94",
"General and Administrative Expense": "-2.77",
"Other Revenues": "6.53",
"Comprehensive Net Income": "-2.64",
"Other Net Income": "-1.04"
},
"2018": {
"Other Assets": "13.0",
"Assets": "-3.96",
"Liabilities": "7.67",
"Stockholders Equity": "1.78",
"Economic Capital Ratio": "-0.718",
"Notes Receivable": "-1.26",
"Cash and Cash Equivalents": "5.85",
"Loans": "-18.0",
"Deposits": "12.5",
"Other Liabilities": "-39.4",
"Debt": "3.21",
"Expenses": "-13.0",
"Revenues": "8.68",
"Net Income": "-2.93",
"Other Expenses": "8.56",
"Selling and Marketing Expense": "-4.79",
"Operating Expenses": "-16.3",
"General and Administrative Expense": "-4.33",
"Other Revenues": "8.68",
"Comprehensive Net Income": "-2.83",
"Other Net Income": "-1.72"
},
"2019": {
"Other Assets": "15.7",
"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",
"Deposits": "15.8",
"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"
},
"2025": {
"Other Assets": "8.20",
"Assets": "3.74",
"Liabilities": "-2.51",
"Stockholders Equity": "1.25",
"ECR before LimitedLiability": "4.11",
"Loans": "-1.35",
"Cash and Cash Equivalents": "-1.57",
"Notes Receivable": "-3.32",
"Deposits": "-25.7",
"Debt": "2.80",
"Other Liabilities": "7.96",
"Operating Expenses": "2.70",
"Expenses": "6.04",
"Revenues": "-4.07",
"Net Income": "2.35",
"Labor and Related Expense": "0.794",
"Selling and Marketing Expense": "1.26",
"General and Administrative Expense": "0.652",
"Other Revenues": "-4.07",
"Comprehensive Net Income": "2.21",
"Other Net Income": "1.34",
"Economic Capital Ratio": "0.493"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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": {
"input_variables": {
"Cash and Cash Equivalents": "41,644",
"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": {
"Cash and Cash Equivalents": "23,338",
"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%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "12,783",
"Debt": "0",
"Deposits": "9,833,870",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "3,997,069",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "7,557,964",
"Other Compr. Net Income": "6,083",
"Other Expenses": "41,269",
"Other Liabilities": "233,518",
"Other Net Income": "176,946",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "11,567,816",
"Liabilities": "10,067,388",
"Expenses": "41,269",
"Revenues": "0",
"Stockholders Equity": "1,500,428",
"Net Income": "135,677",
"Comprehensive Net Income": "141,760",
"BaseVar": "10,929,751",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "16%"
}
}
},
"top_rated": false,
"trend": 8.0,
"value": 0.15521696385103217,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001409970.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001409970.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001409970.svg"
},
{
"company_id": "0001046025",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001046025.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001046025.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001046025.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001046025_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001046025_main_keyfigs.svg",
"name": "Heritage Financial CORP WA",
"rank": 14,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/backtesting_correlation/regression_0001046025.svg",
"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 8.0% points.The greatest weakness of Heritage Financial CORP WA 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 0.45% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001046025_2026_Heritage_Financial_CORP_WA.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "1.72",
"Liabilities": "-2.80",
"Stockholders Equity": "-0.890",
"ECR before LimitedLiability": "-0.731",
"Other Assets": "-2.32",
"Notes Receivable": "-1.33",
"Loans": "6.63",
"Deposits": "-15.8",
"Other Liabilities": "6.58",
"Debt": "3.68",
"Expenses": "5.33",
"Revenues": "-3.58",
"Net Income": "0.937",
"Selling and Marketing Expense": "0.974",
"General and Administrative Expense": "1.08",
"Labor and Related Expense": "0.574",
"Other Expenses": "-1.08",
"Operating Expenses": "3.00",
"Other Revenues": "-3.58",
"Comprehensive Net Income": "0.910",
"Economic Capital Ratio": "-2.00"
},
"2017": {
"Notes Receivable": "-1.25",
"Assets": "1.02",
"Liabilities": "-2.34",
"Stockholders Equity": "-1.12",
"ECR before LimitedLiability": "-0.719",
"Securities": "-0.540",
"Cash and Cash Equivalents": "-0.630",
"Other Assets": "-2.19",
"Loans": "6.68",
"Other Liabilities": "6.69",
"Debt": "3.13",
"Deposits": "-14.2",
"Expenses": "3.72",
"Revenues": "-2.75",
"Net Income": "0.772",
"Selling and Marketing Expense": "0.503",
"Operating Expenses": "1.98",
"Labor and Related Expense": "0.565",
"Other Revenues": "-2.75",
"Comprehensive Net Income": "0.832",
"Economic Capital Ratio": "-1.42"
},
"2018": {
"Other Assets": "-1.53",
"Assets": "1.19",
"Liabilities": "-2.05",
"Stockholders Equity": "-0.658",
"ECR before LimitedLiability": "-0.754",
"Notes Receivable": "-1.06",
"Loans": "5.28",
"Deposits": "-14.4",
"Other Liabilities": "7.38",
"Debt": "2.66",
"Expenses": "3.59",
"Revenues": "-2.21",
"Net Income": "0.486",
"Labor and Related Expense": "0.485",
"Other Expenses": "0.727",
"Selling and Marketing Expense": "0.499",
"Operating Expenses": "1.17",
"Other Revenues": "-2.21",
"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"
},
"2025": {
"Other Assets": "-2.97",
"Assets": "2.90",
"Liabilities": "-1.72",
"Stockholders Equity": "1.27",
"ECR before LimitedLiability": "4.06",
"Loans": "-1.38",
"Cash and Cash Equivalents": "-0.525",
"Notes Receivable": "7.33",
"Deposits": "-24.9",
"Debt": "2.87",
"Other Liabilities": "8.03",
"Operating Expenses": "2.77",
"Expenses": "4.06",
"Revenues": "-4.12",
"Net Income": "1.97",
"Selling and Marketing Expense": "1.27",
"General and Administrative Expense": "0.668",
"Other Expenses": "-0.596",
"Other Revenues": "-4.12",
"Comprehensive Net Income": "2.08",
"Other Net Income": "2.75",
"Economic Capital Ratio": "0.449"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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": {
"Cash and Cash Equivalents": "224,973",
"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%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "233,089",
"Debt": "0",
"Deposits": "5,920,199",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "104,023",
"Loans": "0",
"Notes Receivable": "4,730,682",
"Occupancy": "18,881",
"Operating Expenses": "0",
"Other Assets": "2,003,579",
"Other Compr. Net Income": "24,029",
"Other Expenses": "48,224",
"Other Liabilities": "125,647",
"Other Net Income": "220,044",
"Other Revenues": "4,378",
"Professional Fees": "4,258",
"Securities": "0",
"Selling and Marketing Expense": "1,251"
},
"output_variables": {
"Assets": "6,967,350",
"Liabilities": "6,045,846",
"Expenses": "176,637",
"Revenues": "4,378",
"Stockholders Equity": "921,504",
"Net Income": "47,785",
"Comprehensive Net Income": "71,814",
"BaseVar": "6,719,142",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 15.0,
"value": 0.1547723934637267,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001046025.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001046025.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001046025.svg"
},
{
"company_id": "0001168455",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001168455.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001168455_main_keyfigs.svg",
"name": "Plumas Bancorp",
"rank": 15,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 7.5% points.The greatest weakness of Plumas Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 20% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.40% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001168455_2026_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"
},
"2025": {
"Other Assets": "-2.87",
"Assets": "2.30",
"Liabilities": "-1.85",
"Stockholders Equity": "0.571",
"ECR before LimitedLiability": "4.01",
"Loans": "-1.39",
"Cash and Cash Equivalents": "-0.457",
"Notes Receivable": "7.13",
"Deposits": "-20.4",
"Debt": "2.90",
"Other Liabilities": "7.47",
"Operating Expenses": "2.79",
"Expenses": "3.91",
"Revenues": "-4.17",
"Net Income": "2.38",
"Selling and Marketing Expense": "1.30",
"General and Administrative Expense": "0.673",
"Other Expenses": "-1.28",
"Other Revenues": "-4.17",
"Comprehensive Net Income": "2.76",
"Other Net Income": "3.39",
"Economic Capital Ratio": "0.396"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001168455_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "62,646",
"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": {
"Assets": "824,398",
"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",
"Revenues": "0",
"Stockholders Equity": "84,505",
"Net Income": "15,512",
"Comprehensive Net Income": "19,578",
"BaseVar": "838,596",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "380,584",
"Debt": "0",
"Deposits": "1,438,999",
"Depreciation and Amortization": "0",
"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": {
"input_variables": {
"Cash and Cash Equivalents": "183,426",
"Debt": "0",
"Deposits": "1,457,809",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "17,451",
"Loans": "0",
"Notes Receivable": "903,968",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "533,650",
"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",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,621,044",
"Liabilities": "1,502,040",
"Expenses": "41,815",
"Revenues": "391",
"Stockholders Equity": "119,004",
"Net Income": "23,087",
"Comprehensive Net Income": "-15,269",
"BaseVar": "1,634,078",
"ECR before LimitedLiability": "2.8%",
"Economic Capital Ratio": "11%"
}
},
"2023": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,333,655",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "20,320",
"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": {
"Assets": "1,610,416",
"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": {
"Cash and Cash Equivalents": "82,018",
"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"
},
"output_variables": {
"Assets": "1,623,326",
"Liabilities": "1,445,426",
"Expenses": "52,656",
"Revenues": "409",
"Stockholders Equity": "177,900",
"Net Income": "24,875",
"Comprehensive Net Income": "32,194",
"BaseVar": "1,603,129",
"ECR before LimitedLiability": "7.9%",
"Economic Capital Ratio": "15%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "80,616",
"Debt": "0",
"Deposits": "1,809,604",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "26,020",
"Loans": "0",
"Notes Receivable": "1,495,834",
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001436425.svg",
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"rank": 16,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 8.7% points.The greatest weakness of HOME Bancorp 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 0.35% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001436425_2026_HOME_Bancorp_INC.pdf",
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},
{
"company_id": "0001046050",
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"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001046050.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001046050.svg",
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"name": "Timberland Bancorp INC",
"rank": 17,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 Liabilities, increasing the Economic Capital Ratio by 8.0% points.The greatest weakness of Timberland 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 0.33% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001046050_2026_Timberland_Bancorp_INC.pdf",
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"Other Revenues": "-4.15",
"Comprehensive Net Income": "2.05",
"Other Net Income": "3.12",
"Economic Capital Ratio": "0.332"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001046050_strength_weakness.svg",
"table_records": {
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "314,452",
"Debt": "0",
"Deposits": "1,358,406",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "18,351",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"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",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,565,978",
"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%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "580,196",
"Debt": "0",
"Deposits": "1,570,555",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "18,750",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,831",
"Other Assets": "1,211,984",
"Other Compr. Net Income": "-2.0",
"Other Expenses": "19,829",
"Other Liabilities": "14,726",
"Other Net Income": "58,469",
"Other Revenues": "1,215",
"Professional Fees": "1,006",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,792,180",
"Liabilities": "1,585,281",
"Expenses": "41,416",
"Revenues": "1,215",
"Stockholders Equity": "206,899",
"Net Income": "18,268",
"Comprehensive Net Income": "18,266",
"BaseVar": "1,739,282",
"ECR before LimitedLiability": "7.2%",
"Economic Capital Ratio": "15%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "316,755",
"Debt": "0",
"Deposits": "1,632,176",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "20,816",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "1,943",
"Other Assets": "1,543,753",
"Other Compr. Net Income": "-776",
"Other Expenses": "20,060",
"Other Liabilities": "9,763",
"Other Net Income": "57,806",
"Other Revenues": "975",
"Professional Fees": "1,747",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,860,508",
"Liabilities": "1,641,939",
"Expenses": "44,566",
"Revenues": "975",
"Stockholders Equity": "218,569",
"Net Income": "14,215",
"Comprehensive Net Income": "13,439",
"BaseVar": "1,803,285",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "128,721",
"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",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,839,905",
"Liabilities": "1,606,832",
"Expenses": "43,364",
"Revenues": "959",
"Stockholders Equity": "233,073",
"Net Income": "24,867",
"Comprehensive Net Income": "17,624",
"BaseVar": "1,782,788",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "164,728",
"Debt": "0",
"Deposits": "1,647,668",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "23,730",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "2,384",
"Other Assets": "1,758,747",
"Other Compr. Net Income": "-5,019",
"Other Expenses": "16,303",
"Other Liabilities": "30,394",
"Other Net Income": "63,983",
"Other Revenues": "958",
"Professional Fees": "1,317",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,923,475",
"Liabilities": "1,678,062",
"Expenses": "43,734",
"Revenues": "958",
"Stockholders Equity": "245,413",
"Net Income": "21,207",
"Comprehensive Net Income": "16,188",
"BaseVar": "1,857,616",
"ECR before LimitedLiability": "7.7%",
"Economic Capital Ratio": "15%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "243,428",
"Debt": "0",
"Deposits": "1,716,635",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "23,922",
"Loans": "0",
"Notes Receivable": "1,463,590",
"Occupancy": "0",
"Operating Expenses": "2,279",
"Other Assets": "305,761",
"Other Compr. Net Income": "-7,388",
"Other Expenses": "17,496",
"Other Liabilities": "33,530",
"Other Net Income": "71,503",
"Other Revenues": "975",
"Professional Fees": "1,676",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "2,012,779",
"Liabilities": "1,750,165",
"Expenses": "45,373",
"Revenues": "975",
"Stockholders Equity": "262,614",
"Net Income": "27,105",
"Comprehensive Net Income": "19,717",
"BaseVar": "1,944,092",
"ECR before LimitedLiability": "8.0%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 6.0,
"value": 0.15360786892546271,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001046050.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001046050.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001046050.svg"
},
{
"company_id": "0001114927",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001114927.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001114927.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001114927.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001114927_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001114927_main_keyfigs.svg",
"name": "First Northern Community Bancorp",
"rank": 18,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/backtesting_correlation/regression_0001114927.svg",
"report_text": "The relative strengths and weaknesses of First Northern Community 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 First Northern Community Bancorp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.9% points.The greatest weakness of First Northern Community Bancorp is the variable Deposits, reducing the Economic Capital Ratio by 26% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.18% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001114927_2026_First_Northern_Community_Bancorp.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "4.27",
"Assets": "0.925",
"Liabilities": "-4.03",
"Stockholders Equity": "-2.88",
"Other Assets": "-3.23",
"Notes Receivable": "-1.51",
"Loans": "3.18",
"Deposits": "-19.3",
"Other Liabilities": "4.85",
"Debt": "3.99",
"Expenses": "4.32",
"Revenues": "-3.89",
"Net Income": "0.739",
"Selling and Marketing Expense": "1.08",
"General and Administrative Expense": "1.20",
"Other Expenses": "-1.24",
"Operating Expenses": "3.35",
"Other Revenues": "-3.89",
"ECR before LimitedLiability": "-3.00",
"Comprehensive Net Income": "0.688",
"Economic Capital Ratio": "-4.27"
},
"2017": {
"Other Liabilities": "5.05",
"Liabilities": "-3.39",
"Stockholders Equity": "-2.96",
"ECR before LimitedLiability": "-2.91",
"Debt": "3.40",
"Deposits": "-17.9",
"Expenses": "3.92",
"Revenues": "-3.00",
"Net Income": "0.572",
"Selling and Marketing Expense": "0.559",
"Other Expenses": "-0.529",
"Operating Expenses": "2.21",
"Labor and Related Expense": "0.627",
"General and Administrative Expense": "0.506",
"Other Revenues": "-3.00",
"Notes Receivable": "-1.41",
"Securities": "-0.615",
"Cash and Cash Equivalents": "3.81",
"Other Assets": "-3.44",
"Loans": "3.17",
"Economic Capital Ratio": "-3.62"
},
"2018": {
"Liabilities": "-3.34",
"Stockholders Equity": "-2.94",
"ECR before LimitedLiability": "-3.00",
"Deposits": "-16.5",
"Other Liabilities": "5.47",
"Debt": "2.88",
"Expenses": "3.85",
"Net Income": "0.519",
"Labor and Related Expense": "0.538",
"Other Expenses": "0.663",
"Selling and Marketing Expense": "0.554",
"Operating Expenses": "1.31",
"Other Revenues": "-2.41",
"Revenues": "-2.41",
"Other Assets": "-1.77",
"Notes Receivable": "-1.20",
"Securities": "-0.487",
"Cash and Cash Equivalents": "2.53",
"Loans": "1.53",
"Comprehensive Net Income": "0.578",
"Economic Capital Ratio": "-3.27"
},
"2019": {
"Other Assets": "-0.440",
"Assets": "0.470",
"Liabilities": "-2.53",
"Stockholders Equity": "-1.84",
"ECR before LimitedLiability": "-1.77",
"Cash and Cash Equivalents": "1.96",
"Notes Receivable": "-2.09",
"Loans": "1.93",
"Securities": "-0.454",
"Deposits": "-17.5",
"Debt": "4.19",
"Other Liabilities": "6.32",
"General and Administrative Expense": "0.362",
"Expenses": "3.11",
"Revenues": "-2.34",
"Comprehensive Net Income": "0.568",
"Operating Expenses": "0.609",
"Selling and Marketing Expense": "0.693",
"Labor and Related Expense": "0.575",
"Other Revenues": "-2.34",
"Economic Capital Ratio": "-1.96"
},
"2020": {
"Notes Receivable": "-4.81",
"Assets": "0.533",
"Liabilities": "-3.79",
"Expenses": "4.36",
"Stockholders Equity": "-2.96",
"ECR before LimitedLiability": "-3.80",
"Other Assets": "-2.13",
"Loans": "5.23",
"Cash and Cash Equivalents": "4.91",
"Other Liabilities": "5.77",
"Deposits": "-20.4",
"Debt": "3.48",
"General and Administrative Expense": "0.501",
"Selling and Marketing Expense": "0.645",
"Operating Expenses": "1.15",
"Labor and Related Expense": "0.818",
"Other Expenses": "0.443",
"Other Revenues": "-3.09",
"Revenues": "-3.09",
"Economic Capital Ratio": "-4.14",
"Other Net Income": "-0.806"
},
"2021": {
"Assets": "0.599",
"Liabilities": "-4.26",
"Stockholders Equity": "-3.38",
"Loans": "-10.7",
"Notes Receivable": "6.19",
"Cash and Cash Equivalents": "4.11",
"Other Liabilities": "4.65",
"Deposits": "-18.9",
"Debt": "3.64",
"Selling and Marketing Expense": "0.702",
"Expenses": "4.06",
"Revenues": "-3.78",
"Net Income": "-1.02",
"Operating Expenses": "1.09",
"Labor and Related Expense": "1.08",
"General and Administrative Expense": "0.712",
"Other Revenues": "-3.78",
"ECR before LimitedLiability": "-5.78",
"Comprehensive Net Income": "-1.28",
"Other Net Income": "-1.17",
"Economic Capital Ratio": "-6.22"
},
"2022": {
"Deposits": "-21.0",
"Liabilities": "-4.38",
"Loans": "-10.5",
"Stockholders Equity": "-3.71",
"Other Liabilities": "3.31",
"Debt": "2.05",
"Labor and Related Expense": "1.36",
"Expenses": "2.15",
"Revenues": "-3.62",
"Comprehensive Net Income": "-0.989",
"General and Administrative Expense": "0.792",
"Selling and Marketing Expense": "0.843",
"Operating Expenses": "1.64",
"Other Revenues": "-3.62",
"ECR before LimitedLiability": "-4.95",
"Other Assets": "1.30",
"Cash and Cash Equivalents": "1.95",
"Notes Receivable": "4.52",
"Other Compr. Net Income": "-1.33",
"Other Net Income": "-0.768",
"Economic Capital Ratio": "-5.42"
},
"2023": {
"Assets": "2.12",
"Liabilities": "-4.15",
"Stockholders Equity": "-1.85",
"ECR before LimitedLiability": "0.977",
"Notes Receivable": "4.17",
"Loans": "-1.95",
"Cash and Cash Equivalents": "1.20",
"Other Liabilities": "6.30",
"Deposits": "-24.9",
"Debt": "4.22",
"Expenses": "5.70",
"Revenues": "-4.50",
"Net Income": "1.87",
"Labor and Related Expense": "1.13",
"Other Expenses": "-0.472",
"Operating Expenses": "3.23",
"Selling and Marketing Expense": "1.09",
"General and Administrative Expense": "1.33",
"Other Revenues": "-4.50",
"Comprehensive Net Income": "2.34",
"Economic Capital Ratio": "-0.926"
},
"2025": {
"Other Assets": "-0.390",
"Assets": "2.21",
"Liabilities": "-1.99",
"ECR before LimitedLiability": "3.79",
"Loans": "-1.41",
"Cash and Cash Equivalents": "1.02",
"Notes Receivable": "3.43",
"Deposits": "-26.3",
"Debt": "2.92",
"Other Liabilities": "7.94",
"Operating Expenses": "2.82",
"Expenses": "3.98",
"Net Income": "2.16",
"Selling and Marketing Expense": "1.31",
"General and Administrative Expense": "0.680",
"Other Expenses": "-0.947",
"Other Revenues": "-4.22",
"Revenues": "-4.22",
"Comprehensive Net Income": "2.81",
"Other Compr. Net Income": "0.593",
"Other Net Income": "3.17",
"Economic Capital Ratio": "0.178"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001114927_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "159,643",
"Debt": "0",
"Deposits": "1,063,696",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "669,770",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "337,350",
"Other Compr. Net Income": "-1,855",
"Other Expenses": "4,885",
"Other Liabilities": "10,769",
"Other Net Income": "12,936",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,166,763",
"Liabilities": "1,074,465",
"Expenses": "4,885",
"Revenues": "0",
"Stockholders Equity": "92,298",
"Net Income": "8,051",
"Comprehensive Net Income": "6,196",
"BaseVar": "1,130,452",
"ECR before LimitedLiability": "4.7%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "152,892",
"Debt": "0",
"Deposits": "1,104,740",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "739,112",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "325,654",
"Other Compr. Net Income": "-1,448",
"Other Expenses": "8,318",
"Other Liabilities": "12,874",
"Other Net Income": "17,066",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,217,658",
"Liabilities": "1,117,614",
"Expenses": "8,318",
"Revenues": "0",
"Stockholders Equity": "100,044",
"Net Income": "8,748",
"Comprehensive Net Income": "7,300",
"BaseVar": "1,181,052",
"ECR before LimitedLiability": "4.9%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "116,032",
"Debt": "0",
"Deposits": "1,124,612",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "763,393",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "370,420",
"Other Compr. Net Income": "-639",
"Other Expenses": "4,744",
"Other Liabilities": "12,772",
"Other Net Income": "17,295",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,249,845",
"Liabilities": "1,137,384",
"Expenses": "4,744",
"Revenues": "0",
"Stockholders Equity": "112,461",
"Net Income": "12,551",
"Comprehensive Net Income": "11,912",
"BaseVar": "1,204,954",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "111,493",
"Debt": "0",
"Deposits": "1,138,632",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "768,873",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "412,225",
"Other Compr. Net Income": "5,170",
"Other Expenses": "5,670",
"Other Liabilities": "21,044",
"Other Net Income": "20,391",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,292,591",
"Liabilities": "1,159,676",
"Expenses": "5,670",
"Revenues": "0",
"Stockholders Equity": "132,915",
"Net Income": "14,721",
"Comprehensive Net Income": "19,891",
"BaseVar": "1,241,749",
"ECR before LimitedLiability": "7.0%",
"Economic Capital Ratio": "15%"
}
},
"2020": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,478,162",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "875,830",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "512,369",
"Other Compr. Net Income": "4,904",
"Other Expenses": "4,501",
"Other Liabilities": "26,557",
"Other Net Income": "16,662",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,655,376",
"Liabilities": "1,504,719",
"Expenses": "4,501",
"Revenues": "0",
"Stockholders Equity": "150,657",
"Net Income": "12,161",
"Comprehensive Net Income": "17,065",
"BaseVar": "1,593,081",
"ECR before LimitedLiability": "5.8%",
"Economic Capital Ratio": "14%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "345,929",
"Debt": "0",
"Deposits": "1,728,302",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "852,717",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "700,441",
"Other Compr. Net Income": "-9,235",
"Other Expenses": "5,240",
"Other Liabilities": "19,874",
"Other Net Income": "19,426",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"Other Expenses": "5,782",
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"Other Net Income": "21,666",
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{
"company_id": "0001807893",
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"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001807893.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001807893.svg",
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"name": "Standard Premium Finance Holdings INC",
"rank": 19,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 32% points.
The company's Economic Capital Ratio, given in the ranking table, is 15%, being 0.099% points above the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001807893_2026_Standard_Premium_Finance_Holdings_INC.pdf",
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"Economic Capital Ratio": "0.0990"
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{
"company_id": "0001178970",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001178970.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001178970.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001178970.svg",
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"name": "Provident Financial Services INC",
"rank": 20,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 8.6% points.The greatest weakness of Provident Financial Services 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 15%, being 0.061% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001178970_2026_Provident_Financial_Services_INC.pdf",
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"Comprehensive Net Income": "0.939",
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"Labor and Related Expense": "0.559",
"Other Revenues": "-2.73",
"Comprehensive Net Income": "0.723",
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"Expenses": "4.10",
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"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"
},
"2025": {
"Other Assets": "-4.68",
"Assets": "3.38",
"Liabilities": "-2.84",
"Stockholders Equity": "0.550",
"ECR before LimitedLiability": "3.55",
"Loans": "-1.39",
"Cash and Cash Equivalents": "-1.66",
"Notes Receivable": "8.63",
"Deposits": "-18.1",
"Debt": "2.87",
"Other Liabilities": "6.75",
"Operating Expenses": "2.78",
"Expenses": "6.12",
"Revenues": "-4.14",
"Net Income": "2.40",
"Labor and Related Expense": "0.816",
"Selling and Marketing Expense": "1.29",
"General and Administrative Expense": "0.670",
"Other Revenues": "-4.14",
"Comprehensive Net Income": "2.42",
"Other Net Income": "1.45",
"Economic Capital Ratio": "-0.0613"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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",
"Expenses": "59,197",
"Revenues": "0",
"Stockholders Equity": "1,697,096",
"Net Income": "167,921",
"Comprehensive Net Income": "157,129",
"BaseVar": "13,081,208",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "10,563,024",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "10,160,860",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "3,622,576",
"Other Compr. Net Income": "-171,908",
"Other Expenses": "64,458",
"Other Liabilities": "1,622,709",
"Other Net Income": "240,106",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "13,783,436",
"Liabilities": "12,185,733",
"Expenses": "64,458",
"Revenues": "0",
"Stockholders Equity": "1,597,703",
"Net Income": "175,648",
"Comprehensive Net Income": "3,740",
"BaseVar": "13,222,820",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "10,292,514",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "10,766,501",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "3,444,309",
"Other Compr. Net Income": "23,930",
"Other Expenses": "47,381",
"Other Liabilities": "2,227,700",
"Other Net Income": "175,779",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "14,210,810",
"Liabilities": "12,520,214",
"Expenses": "47,381",
"Revenues": "0",
"Stockholders Equity": "1,690,596",
"Net Income": "128,398",
"Comprehensive Net Income": "152,328",
"BaseVar": "13,489,057",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "18,623,813",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "18,628,391",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "5,423,434",
"Other Compr. Net Income": "5,760",
"Other Expenses": "34,090",
"Other Liabilities": "2,826,805",
"Other Net Income": "149,615",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "24,051,825",
"Liabilities": "21,450,618",
"Expenses": "34,090",
"Revenues": "0",
"Stockholders Equity": "2,601,207",
"Net Income": "115,525",
"Comprehensive Net Income": "121,285",
"BaseVar": "22,845,954",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "19,278,683",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "19,334,004",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "5,646,706",
"Other Compr. Net Income": "59,172",
"Other Expenses": "116,997",
"Other Liabilities": "2,868,815",
"Other Net Income": "408,157",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "24,980,710",
"Liabilities": "22,147,498",
"Expenses": "116,997",
"Revenues": "0",
"Stockholders Equity": "2,833,212",
"Net Income": "291,160",
"Comprehensive Net Income": "350,332",
"BaseVar": "23,856,267",
"ECR before LimitedLiability": "7.5%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 15.0,
"value": 0.14967254715221756,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001178970.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001178970.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001178970.svg"
},
{
"company_id": "0001337068",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001337068.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001337068.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001337068.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001337068_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001337068_main_keyfigs.svg",
"name": "Magyar Bancorp Inc",
"rank": 21,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 15% points.The greatest weakness of Magyar 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 0.12% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001337068_2026_Magyar_Bancorp_Inc.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "1.28",
"Liabilities": "-4.23",
"Stockholders Equity": "-2.77",
"Securities": "-0.569",
"Other Assets": "-6.32",
"Notes Receivable": "-1.52",
"Loans": "6.30",
"Deposits": "-15.0",
"Other Liabilities": "4.21",
"Debt": "3.99",
"Expenses": "4.15",
"ECR before LimitedLiability": "-3.21",
"Selling and Marketing Expense": "1.09",
"General and Administrative Expense": "1.21",
"Labor and Related Expense": "0.640",
"Other Expenses": "-0.992",
"Operating Expenses": "3.36",
"Other Revenues": "-3.90",
"Revenues": "-3.90",
"Economic Capital Ratio": "-4.48",
"Other Net Income": "-0.899"
},
"2017": {
"Notes Receivable": "-1.43",
"Assets": "0.525",
"Liabilities": "-3.72",
"Stockholders Equity": "-2.96",
"Securities": "-0.620",
"Cash and Cash Equivalents": "-0.256",
"Other Assets": "-5.94",
"Loans": "5.73",
"Other Liabilities": "4.40",
"Debt": "3.40",
"Deposits": "-14.7",
"Expenses": "4.17",
"ECR before LimitedLiability": "-3.21",
"Selling and Marketing Expense": "0.562",
"Operating Expenses": "2.22",
"Labor and Related Expense": "0.631",
"General and Administrative Expense": "0.509",
"Other Revenues": "-3.01",
"Revenues": "-3.01",
"Economic Capital Ratio": "-3.91",
"Other Net Income": "-0.665"
},
"2018": {
"Liabilities": "-3.78",
"Stockholders Equity": "-3.32",
"Deposits": "-13.3",
"Other Liabilities": "4.33",
"Debt": "2.97",
"Expenses": "4.15",
"ECR before LimitedLiability": "-3.91",
"Labor and Related Expense": "0.559",
"Other Expenses": "0.819",
"Selling and Marketing Expense": "0.575",
"Operating Expenses": "1.36",
"General and Administrative Expense": "0.235",
"Other Revenues": "-2.50",
"Revenues": "-2.50",
"Other Assets": "-6.09",
"Notes Receivable": "-1.26",
"Securities": "-0.511",
"Cash and Cash Equivalents": "-0.392",
"Loans": "5.63",
"Economic Capital Ratio": "-4.18",
"Other Net Income": "-1.17"
},
"2019": {
"Other Assets": "-6.11",
"Assets": "0.492",
"Liabilities": "-3.29",
"Expenses": "3.57",
"Stockholders Equity": "-2.58",
"ECR before LimitedLiability": "-3.35",
"Notes Receivable": "-2.26",
"Loans": "6.55",
"Securities": "-0.494",
"Deposits": "-14.2",
"Debt": "4.40",
"Other Liabilities": "4.67",
"General and Administrative Expense": "0.387",
"Other Expenses": "0.559",
"Operating Expenses": "0.651",
"Selling and Marketing Expense": "0.741",
"Labor and Related Expense": "0.615",
"Other Revenues": "-2.48",
"Revenues": "-2.48",
"Economic Capital Ratio": "-3.54",
"Other Net Income": "-0.881"
},
"2020": {
"Other Liabilities": "4.04",
"Liabilities": "-4.48",
"Stockholders Equity": "-3.71",
"Deposits": "-14.7",
"Debt": "3.63",
"Expenses": "3.90",
"Net Income": "-0.580",
"Selling and Marketing Expense": "0.683",
"Operating Expenses": "1.22",
"Labor and Related Expense": "0.867",
"Other Expenses": "0.605",
"Other Revenues": "-3.25",
"Revenues": "-3.25",
"ECR before LimitedLiability": "-5.15",
"Notes Receivable": "-5.10",
"Other Assets": "-7.96",
"Loans": "8.94",
"Cash and Cash Equivalents": "1.15",
"Comprehensive Net Income": "-0.557",
"Other Net Income": "-1.35",
"Economic Capital Ratio": "-5.48"
},
"2021": {
"Assets": "1.52",
"Liabilities": "-3.02",
"Stockholders Equity": "-1.27",
"ECR before LimitedLiability": "-3.23",
"Loans": "10.8",
"Other Assets": "-6.50",
"Notes Receivable": "-5.31",
"Cash and Cash Equivalents": "1.32",
"Other Liabilities": "6.63",
"Deposits": "-15.3",
"Debt": "3.32",
"Expenses": "4.11",
"Revenues": "-3.43",
"Net Income": "-0.859",
"Operating Expenses": "0.965",
"Labor and Related Expense": "0.952",
"General and Administrative Expense": "0.630",
"Other Revenues": "-3.43",
"Comprehensive Net Income": "-0.691",
"Other Net Income": "-0.942",
"Economic Capital Ratio": "-3.67"
},
"2023": {
"Assets": "3.01",
"Liabilities": "-3.63",
"Stockholders Equity": "-0.564",
"ECR before LimitedLiability": "1.52",
"Notes Receivable": "-12.6",
"Loans": "-1.88",
"Other Assets": "13.8",
"Cash and Cash Equivalents": "1.23",
"Other Liabilities": "6.64",
"Deposits": "-20.5",
"Debt": "2.59",
"Expenses": "6.21",
"Revenues": "-4.40",
"Net Income": "1.57",
"Labor and Related Expense": "1.09",
"Other Expenses": "-0.388",
"Operating Expenses": "3.12",
"Selling and Marketing Expense": "1.06",
"General and Administrative Expense": "1.29",
"Other Revenues": "-4.40",
"Comprehensive Net Income": "1.46",
"Economic Capital Ratio": "-0.379"
},
"2024": {
"Assets": "3.45",
"Liabilities": "-4.60",
"Stockholders Equity": "-1.09",
"ECR before LimitedLiability": "0.888",
"Other Assets": "14.3",
"Notes Receivable": "-12.9",
"Loans": "-1.02",
"Debt": "2.89",
"Other Liabilities": "6.90",
"Deposits": "-25.3",
"Expenses": "6.45",
"Revenues": "-5.19",
"Net Income": "1.71",
"Labor and Related Expense": "1.14",
"General and Administrative Expense": "1.37",
"Operating Expenses": "3.79",
"Selling and Marketing Expense": "1.36",
"Other Revenues": "-5.19",
"Comprehensive Net Income": "1.83",
"Other Net Income": "-0.732",
"Economic Capital Ratio": "-1.65"
},
"2025": {
"Other Assets": "14.6",
"Assets": "3.65",
"Liabilities": "-2.81",
"Stockholders Equity": "0.812",
"ECR before LimitedLiability": "3.49",
"Loans": "-1.39",
"Cash and Cash Equivalents": "-1.42",
"Notes Receivable": "-12.5",
"Deposits": "-21.9",
"Debt": "0.666",
"Other Liabilities": "7.58",
"Operating Expenses": "2.78",
"Expenses": "6.18",
"Revenues": "-4.14",
"Net Income": "2.24",
"Labor and Related Expense": "0.816",
"Selling and Marketing Expense": "1.29",
"General and Administrative Expense": "0.670",
"Other Revenues": "-4.14",
"Comprehensive Net Income": "2.09",
"Other Net Income": "1.25",
"Economic Capital Ratio": "-0.124"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001337068_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "21,806",
"Debt": "0",
"Deposits": "492,650",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "115",
"Labor and Related Expense": "0",
"Loans": "455,031",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "107,540",
"Other Compr. Net Income": "-160",
"Other Expenses": "664",
"Other Liabilities": "43,887",
"Other Net Income": "1,755",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "584,377",
"Liabilities": "536,652",
"Expenses": "664",
"Revenues": "0",
"Stockholders Equity": "47,725",
"Net Income": "1,091",
"Comprehensive Net Income": "931",
"BaseVar": "561,804",
"ECR before LimitedLiability": "4.4%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "22,334",
"Debt": "0",
"Deposits": "515,201",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "105",
"Labor and Related Expense": "0",
"Loans": "470,693",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "110,017",
"Other Compr. Net Income": "155",
"Other Expenses": "994",
"Other Liabilities": "38,281",
"Other Net Income": "2,417",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "603,044",
"Liabilities": "553,587",
"Expenses": "994",
"Revenues": "0",
"Stockholders Equity": "49,457",
"Net Income": "1,423",
"Comprehensive Net Income": "1,578",
"BaseVar": "580,098",
"ECR before LimitedLiability": "4.5%",
"Economic Capital Ratio": "13%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "15,368",
"Debt": "0",
"Deposits": "530,137",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "193",
"Labor and Related Expense": "0",
"Loans": "508,430",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "100,170",
"Other Compr. Net Income": "-282",
"Other Expenses": "1,471",
"Other Liabilities": "42,276",
"Other Net Income": "3,501",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "623,968",
"Liabilities": "572,606",
"Expenses": "1,471",
"Revenues": "0",
"Stockholders Equity": "51,362",
"Net Income": "2,030",
"Comprehensive Net Income": "1,748",
"BaseVar": "600,914",
"ECR before LimitedLiability": "4.6%",
"Economic Capital Ratio": "13%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "21,469",
"Debt": "0",
"Deposits": "530,075",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "191",
"Labor and Related Expense": "0",
"Loans": "518,217",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "90,642",
"Other Compr. Net Income": "144",
"Other Expenses": "1,265",
"Other Liabilities": "45,411",
"Other Net Income": "4,261",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "630,328",
"Liabilities": "575,677",
"Expenses": "1,265",
"Revenues": "0",
"Stockholders Equity": "54,651",
"Net Income": "2,996",
"Comprehensive Net Income": "3,140",
"BaseVar": "605,838",
"ECR before LimitedLiability": "5.1%",
"Economic Capital Ratio": "13%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "61,726",
"Debt": "0",
"Deposits": "618,330",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "191",
"Labor and Related Expense": "0",
"Loans": "603,110",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "89,161",
"Other Compr. Net Income": "-27",
"Other Expenses": "921",
"Other Liabilities": "78,626",
"Other Net Income": "3,111",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "753,997",
"Liabilities": "697,147",
"Expenses": "921",
"Revenues": "0",
"Stockholders Equity": "56,850",
"Net Income": "2,190",
"Comprehensive Net Income": "2,163",
"BaseVar": "727,602",
"ECR before LimitedLiability": "4.2%",
"Economic Capital Ratio": "12%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "75,201",
"Debt": "0",
"Deposits": "639,814",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "85",
"Labor and Related Expense": "0",
"Loans": "585,301",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "113,488",
"Other Compr. Net Income": "410",
"Other Expenses": "2,605",
"Other Liabilities": "36,450",
"Other Net Income": "8,725",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "773,990",
"Liabilities": "676,349",
"Expenses": "2,605",
"Revenues": "0",
"Stockholders Equity": "97,641",
"Net Income": "6,120",
"Comprehensive Net Income": "6,530",
"BaseVar": "731,040",
"ECR before LimitedLiability": "7.6%",
"Economic Capital Ratio": "15%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "72,532",
"Debt": "29,515",
"Deposits": "755,453",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "443",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "834,760",
"Other Compr. Net Income": "325",
"Other Expenses": "3,032",
"Other Liabilities": "17,091",
"Other Net Income": "10,741",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "907,292",
"Liabilities": "802,502",
"Expenses": "3,032",
"Revenues": "0",
"Stockholders Equity": "104,790",
"Net Income": "7,709",
"Comprehensive Net Income": "8,034",
"BaseVar": "861,946",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "15%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "25,596",
"Debt": "28,568",
"Deposits": "796,674",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "891",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "926,322",
"Other Compr. Net Income": "873",
"Other Expenses": "3,317",
"Other Liabilities": "15,237",
"Other Net Income": "11,100",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "951,918",
"Liabilities": "841,370",
"Expenses": "3,317",
"Revenues": "0",
"Stockholders Equity": "110,548",
"Net Income": "7,783",
"Comprehensive Net Income": "8,656",
"BaseVar": "904,289",
"ECR before LimitedLiability": "7.1%",
"Economic Capital Ratio": "15%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "7,086",
"Debt": "49,054",
"Deposits": "814,307",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "969",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "990,574",
"Other Compr. Net Income": "393",
"Other Expenses": "4,049",
"Other Liabilities": "14,488",
"Other Net Income": "13,809",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "997,660",
"Liabilities": "878,818",
"Expenses": "4,049",
"Revenues": "0",
"Stockholders Equity": "118,842",
"Net Income": "9,760",
"Comprehensive Net Income": "10,153",
"BaseVar": "947,364",
"ECR before LimitedLiability": "7.4%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 7.0,
"value": 0.14904790954424335,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001337068.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001337068.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001337068.svg"
},
{
"company_id": "0001163370",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001163370.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001163370_main_keyfigs.svg",
"name": "Northrim Bancorp INC",
"rank": 22,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 7.3% points.The greatest weakness of Northrim 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 15%, being 0.22% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001163370_2026_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"
},
"2025": {
"Other Assets": "-2.82",
"Assets": "1.32",
"Liabilities": "-1.67",
"ECR before LimitedLiability": "3.39",
"Loans": "-1.46",
"Cash and Cash Equivalents": "-1.74",
"Notes Receivable": "6.71",
"Deposits": "-22.7",
"Debt": "3.01",
"Other Liabilities": "7.34",
"Operating Expenses": "2.93",
"Expenses": "2.67",
"Net Income": "2.99",
"Labor and Related Expense": "-1.03",
"Selling and Marketing Expense": "1.26",
"General and Administrative Expense": "0.704",
"Other Expenses": "-1.23",
"Other Revenues": "-4.25",
"Revenues": "-4.25",
"Comprehensive Net Income": "3.00",
"Other Net Income": "5.53",
"Economic Capital Ratio": "-0.221"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"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": {
"Assets": "2,724,719",
"Liabilities": "2,486,902",
"Expenses": "99,672",
"Revenues": "2,450",
"Stockholders Equity": "237,817",
"Net Income": "32,831",
"Comprehensive Net Income": "29,407",
"BaseVar": "2,723,610",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,387,211",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "58,172",
"Loans": "0",
"Notes Receivable": "1,487,947",
"Occupancy": "6,915",
"Operating Expenses": "0",
"Other Assets": "1,186,371",
"Other Compr. Net Income": "-25,675",
"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"
},
"output_variables": {
"Assets": "2,674,318",
"Liabilities": "2,455,689",
"Expenses": "96,605",
"Revenues": "4,529",
"Stockholders Equity": "218,629",
"Net Income": "25,433",
"Comprehensive Net Income": "-242",
"BaseVar": "2,687,162",
"ECR before LimitedLiability": "4.3%",
"Economic Capital Ratio": "12%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,485,055",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "61,741",
"Loans": "0",
"Notes Receivable": "1,772,227",
"Occupancy": "7,394",
"Operating Expenses": "0",
"Other Assets": "1,035,270",
"Other Compr. Net Income": "12,644",
"Other Expenses": "25,203",
"Other Liabilities": "87,724",
"Other Net Income": "117,333",
"Other Revenues": "2,550",
"Professional Fees": "3,128",
"Securities": "0",
"Selling and Marketing Expense": "2,929"
},
"output_variables": {
"Assets": "2,807,497",
"Liabilities": "2,572,779",
"Expenses": "100,395",
"Revenues": "2,550",
"Stockholders Equity": "234,718",
"Net Income": "19,488",
"Comprehensive Net Income": "32,132",
"BaseVar": "2,806,599",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "13%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"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",
"Loans": "0",
"Notes Receivable": "2,107,243",
"Occupancy": "7,609",
"Operating Expenses": "0",
"Other Assets": "934,626",
"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"
},
"output_variables": {
"Assets": "3,041,869",
"Liabilities": "2,774,753",
"Expenses": "114,960",
"Revenues": "3,116",
"Stockholders Equity": "267,116",
"Net Income": "30,257",
"Comprehensive Net Income": "39,670",
"BaseVar": "3,043,106",
"ECR before LimitedLiability": "6.0%",
"Economic Capital Ratio": "14%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,813,029",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "78,337",
"Loans": "0",
"Notes Receivable": "2,271,762",
"Occupancy": "7,822",
"Operating Expenses": "0",
"Other Assets": "1,018,511",
"Other Compr. Net Income": "7,643",
"Other Expenses": "49,726",
"Other Liabilities": "150,700",
"Other Net Income": "197,398",
"Other Revenues": "3,843",
"Professional Fees": "4,681",
"Securities": "0",
"Selling and Marketing Expense": "3,728"
},
"output_variables": {
"Assets": "3,290,273",
"Liabilities": "2,963,729",
"Expenses": "144,294",
"Revenues": "3,843",
"Stockholders Equity": "326,544",
"Net Income": "56,947",
"Comprehensive Net Income": "64,590",
"BaseVar": "3,303,590",
"ECR before LimitedLiability": "7.3%",
"Economic Capital Ratio": "15%"
}
}
},
"top_rated": false,
"trend": 18.0,
"value": 0.1480782767417786,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001163370.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001163370.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001163370.svg"
},
{
"company_id": "0001297341",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001297341.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001297341.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001297341.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001297341_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001297341_main_keyfigs.svg",
"name": "Kentucky First Federal Bancorp",
"rank": 23,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/backtesting_correlation/regression_0001297341.svg",
"report_text": "The relative strengths and weaknesses of Kentucky First Federal 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 Kentucky First Federal Bancorp compared to the market average is the variable Other Assets, increasing the Economic Capital Ratio by 14% points.The greatest weakness of Kentucky First Federal Bancorp 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 0.38% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001297341_2026_Kentucky_First_Federal_Bancorp.pdf",
"shrinked_graph_json": {
"2016": {
"Assets": "3.65",
"Stockholders Equity": "3.63",
"ECR before LimitedLiability": "3.51",
"Securities": "-0.409",
"Other Assets": "-6.18",
"Notes Receivable": "-1.12",
"Loans": "11.9",
"Expenses": "4.48",
"Net Income": "0.487",
"Selling and Marketing Expense": "0.840",
"General and Administrative Expense": "0.930",
"Labor and Related Expense": "0.498",
"Other Expenses": "-0.872",
"Operating Expenses": "2.52",
"Other Revenues": "-3.37",
"Revenues": "-3.37",
"Deposits": "-8.12",
"Debt": "3.24",
"Other Liabilities": "3.31",
"Comprehensive Net Income": "0.556",
"Economic Capital Ratio": "2.25"
},
"2017": {
"Notes Receivable": "-1.07",
"Assets": "2.92",
"Liabilities": "-0.332",
"Stockholders Equity": "2.88",
"ECR before LimitedLiability": "2.67",
"Securities": "-0.459",
"Other Assets": "-6.30",
"Loans": "11.2",
"Other Liabilities": "0.761",
"Debt": "2.82",
"Deposits": "-4.10",
"Expenses": "3.39",
"Revenues": "-2.55",
"Comprehensive Net Income": "0.202",
"Selling and Marketing Expense": "0.444",
"Operating Expenses": "1.72",
"Labor and Related Expense": "0.499",
"General and Administrative Expense": "0.403",
"Other Revenues": "-2.55",
"Other Net Income": "-0.465",
"Economic Capital Ratio": "1.96"
},
"2019": {
"Other Assets": "-5.64",
"Assets": "2.66",
"Liabilities": "-0.590",
"Stockholders Equity": "2.32",
"ECR before LimitedLiability": "1.35",
"Notes Receivable": "-1.80",
"Loans": "10.7",
"Securities": "-0.383",
"Deposits": "-3.99",
"Debt": "3.73",
"Other Liabilities": "-0.403",
"Expenses": "2.97",
"Revenues": "-2.12",
"Comprehensive Net Income": "-0.407",
"Other Expenses": "0.570",
"Operating Expenses": "0.533",
"Selling and Marketing Expense": "0.605",
"Labor and Related Expense": "0.503",
"Other Revenues": "-2.12",
"Other Net Income": "-0.992",
"Economic Capital Ratio": "1.16"
},
"2020": {
"Notes Receivable": "-5.11",
"Assets": "1.73",
"Liabilities": "-1.80",
"ECR before LimitedLiability": "-4.87",
"Other Assets": "-9.25",
"Loans": "11.5",
"Other Liabilities": "3.00",
"Deposits": "-7.82",
"Debt": "3.67",
"Expenses": "4.17",
"Net Income": "-4.02",
"General and Administrative Expense": "0.534",
"Selling and Marketing Expense": "0.687",
"Operating Expenses": "1.23",
"Labor and Related Expense": "0.872",
"Other Expenses": "0.642",
"Other Revenues": "-3.27",
"Revenues": "-3.27",
"Comprehensive Net Income": "-3.99",
"Other Net Income": "-4.72",
"Economic Capital Ratio": "-5.21"
},
"2021": {
"Assets": "2.20",
"Liabilities": "-2.46",
"ECR before LimitedLiability": "-2.25",
"Loans": "14.6",
"Other Assets": "-8.65",
"Notes Receivable": "-5.12",
"Other Liabilities": "1.45",
"Deposits": "-7.26",
"Debt": "3.19",
"Selling and Marketing Expense": "0.594",
"Expenses": "4.11",
"Net Income": "-1.00",
"Other Expenses": "0.390",
"Operating Expenses": "0.920",
"Labor and Related Expense": "0.907",
"General and Administrative Expense": "0.602",
"Other Revenues": "-3.33",
"Revenues": "-3.33",
"Comprehensive Net Income": "-0.881",
"Other Net Income": "-1.25",
"Economic Capital Ratio": "-2.69"
},
"2022": {
"Loans": "14.6",
"Assets": "2.76",
"Liabilities": "-2.28",
"Stockholders Equity": "0.658",
"ECR before LimitedLiability": "0.835",
"Other Assets": "-7.27",
"Cash and Cash Equivalents": "1.67",
"Notes Receivable": "-7.25",
"Deposits": "-12.5",
"Other Liabilities": "5.29",
"Debt": "3.77",
"Labor and Related Expense": "1.03",
"Expenses": "4.36",
"Revenues": "-2.86",
"Comprehensive Net Income": "0.645",
"General and Administrative Expense": "0.600",
"Selling and Marketing Expense": "0.638",
"Operating Expenses": "1.24",
"Other Revenues": "-2.86",
"Other Compr. Net Income": "0.614",
"Other Net Income": "-0.932",
"Economic Capital Ratio": "0.365"
},
"2023": {
"Assets": "3.84",
"Liabilities": "-3.09",
"Stockholders Equity": "0.745",
"ECR before LimitedLiability": "2.22",
"Notes Receivable": "-12.5",
"Loans": "-1.80",
"Other Assets": "15.0",
"Cash and Cash Equivalents": "-0.857",
"Other Liabilities": "2.08",
"Deposits": "-9.40",
"Debt": "3.99",
"Expenses": "6.88",
"Revenues": "-4.30",
"Net Income": "1.03",
"Labor and Related Expense": "1.05",
"Operating Expenses": "3.00",
"Selling and Marketing Expense": "1.02",
"General and Administrative Expense": "1.24",
"Other Revenues": "-4.30",
"Other Net Income": "-0.674",
"Comprehensive Net Income": "0.803",
"Economic Capital Ratio": "0.312"
},
"2025": {
"Other Assets": "14.1",
"Assets": "4.43",
"Liabilities": "-2.88",
"Stockholders Equity": "1.37",
"ECR before LimitedLiability": "3.23",
"Loans": "-1.40",
"Notes Receivable": "-12.4",
"Deposits": "-17.0",
"Debt": "2.86",
"Other Liabilities": "6.42",
"Operating Expenses": "2.79",
"Expenses": "6.19",
"Revenues": "-4.14",
"Net Income": "1.44",
"Interest Expense": "0.236",
"Labor and Related Expense": "0.819",
"Selling and Marketing Expense": "1.29",
"General and Administrative Expense": "0.672",
"Other Revenues": "-4.14",
"Comprehensive Net Income": "1.30",
"Economic Capital Ratio": "-0.381"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001297341_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "13,108",
"Debt": "0",
"Deposits": "188,572",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "22",
"Labor and Related Expense": "0",
"Loans": "238,468",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "40,295",
"Other Compr. Net Income": "-7.0",
"Other Expenses": "596",
"Other Liabilities": "35,762",
"Other Net Income": "2,097",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "291,871",
"Liabilities": "224,356",
"Expenses": "596",
"Revenues": "0",
"Stockholders Equity": "67,515",
"Net Income": "1,501",
"Comprehensive Net Income": "1,494",
"BaseVar": "259,464",
"ECR before LimitedLiability": "14%",
"Economic Capital Ratio": "19%"
}
},
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "12,804",
"Debt": "0",
"Deposits": "182,845",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "21",
"Labor and Related Expense": "0",
"Loans": "258,244",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "37,437",
"Other Compr. Net Income": "-30",
"Other Expenses": "513",
"Other Liabilities": "58,473",
"Other Net Income": "1,448",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "308,485",
"Liabilities": "241,339",
"Expenses": "513",
"Revenues": "0",
"Stockholders Equity": "67,146",
"Net Income": "935",
"Comprehensive Net Income": "905",
"BaseVar": "275,908",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "19%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "9,861",
"Debt": "0",
"Deposits": "195,836",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "28",
"Labor and Related Expense": "0",
"Loans": "280,969",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "39,941",
"Other Compr. Net Income": "4.0",
"Other Expenses": "141",
"Other Liabilities": "68,629",
"Other Net Income": "953",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "330,771",
"Liabilities": "264,493",
"Expenses": "141",
"Revenues": "0",
"Stockholders Equity": "66,278",
"Net Income": "812",
"Comprehensive Net Income": "816",
"BaseVar": "298,181",
"ECR before LimitedLiability": "11%",
"Economic Capital Ratio": "18%"
}
},
"2020": {
"input_variables": {
"Cash and Cash Equivalents": "13,702",
"Debt": "0",
"Deposits": "212,273",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "27",
"Labor and Related Expense": "0",
"Loans": "285,887",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "21,547",
"Other Compr. Net Income": "-2.0",
"Other Expenses": "264",
"Other Liabilities": "56,925",
"Other Net Income": "-12,283",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "321,136",
"Liabilities": "269,225",
"Expenses": "264",
"Revenues": "0",
"Stockholders Equity": "51,911",
"Net Income": "-12,547",
"Comprehensive Net Income": "-12,549",
"BaseVar": "301,455",
"ECR before LimitedLiability": "4.5%",
"Economic Capital Ratio": "13%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "21,648",
"Debt": "0",
"Deposits": "226,843",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "20",
"Labor and Related Expense": "0",
"Loans": "297,902",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "18,513",
"Other Compr. Net Income": "-2.0",
"Other Expenses": "352",
"Other Liabilities": "58,904",
"Other Net Income": "2,172",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "338,063",
"Liabilities": "285,767",
"Expenses": "352",
"Revenues": "0",
"Stockholders Equity": "52,296",
"Net Income": "1,820",
"Comprehensive Net Income": "1,818",
"BaseVar": "313,178",
"ECR before LimitedLiability": "9.0%",
"Economic Capital Ratio": "16%"
}
},
"2022": {
"input_variables": {
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"Debt": "0",
"Deposits": "239,857",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "12",
"Labor and Related Expense": "0",
"Loans": "274,583",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "27,674",
"Other Compr. Net Income": "0",
"Other Expenses": "477",
"Other Liabilities": "36,186",
"Other Net Income": "2,067",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "328,080",
"Liabilities": "276,055",
"Expenses": "477",
"Revenues": "0",
"Stockholders Equity": "52,025",
"Net Income": "1,590",
"Comprehensive Net Income": "1,590",
"BaseVar": "303,340",
"ECR before LimitedLiability": "9.1%",
"Economic Capital Ratio": "16%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "8,167",
"Debt": "0",
"Deposits": "226,309",
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The greatest strength of SLM Corp compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 7.2% points.The greatest weakness of SLM Corp is the variable Deposits, reducing the Economic Capital Ratio by 13% points.
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The greatest strength of Northfield Bancorp Inc compared to the market average is the variable Notes Receivable, increasing the Economic Capital Ratio by 6.3% points.The greatest weakness of Northfield Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 13% points.
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},
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"Assets": "1.35",
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"Other Net Income": "-0.576",
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},
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"Liabilities": "-1.32",
"Stockholders Equity": "-0.452",
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},
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},
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"Liabilities": "-2.07",
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"Other Net Income": "0.552",
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},
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"Liabilities": "-2.27",
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"Economic Capital Ratio": "-1.30"
},
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"Loans": "-1.86",
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"Other Expenses": "-0.571",
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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"
},
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"Loans": "-1.02",
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"Comprehensive Net Income": "1.68",
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},
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"Assets": "2.98",
"Liabilities": "-2.19",
"Stockholders Equity": "0.791",
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"Other Net Income": "2.09",
"Economic Capital Ratio": "-0.676"
}
},
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"Debt": "0",
"Deposits": "2,713,587",
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"General and Administrative Expense": "0",
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"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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"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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"Other Assets": "818,919",
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"Other Expenses": "26,978",
"Other Liabilities": "515,561",
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},
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"BaseVar": "3,711,454",
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"Economic Capital Ratio": "16%"
}
},
"2018": {
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"Other Net Income": "49,711",
"Other Revenues": "0",
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},
"output_variables": {
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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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"Other Liabilities": "951,216",
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},
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"BaseVar": "4,820,752",
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}
},
"2020": {
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"Other Expenses": "28,732",
"Other Liabilities": "684,012",
"Other Net Income": "119,659",
"Other Revenues": "8,879",
"Professional Fees": "4,141",
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"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",
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"BaseVar": "5,251,828",
"ECR before LimitedLiability": "8.2%",
"Economic Capital Ratio": "16%"
}
},
"2021": {
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"Other Expenses": "42,045",
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"Other Revenues": "9,854",
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},
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}
},
"2022": {
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}
},
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}
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"Economic Capital Ratio": "15%"
}
},
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}
},
"top_rated": false,
"trend": 1.0,
"value": 0.14352230275734668,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001493225.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001493225.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001493225.svg"
},
{
"company_id": "0001367859",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001367859.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001367859.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001367859.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001367859_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001367859_main_keyfigs.svg",
"name": "Citizens Community Bancorp Inc",
"rank": 26,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 7.5% points.The greatest weakness of Citizens Community 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 0.70% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001367859_2026_Citizens_Community_Bancorp_Inc.pdf",
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"Assets": "1.38",
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"Other Assets": "13.0",
"Notes Receivable": "-1.46",
"Loans": "-13.8",
"Deposits": "-12.8",
"Other Liabilities": "4.85",
"Debt": "3.89",
"Expenses": "4.87",
"Revenues": "-3.79",
"Comprehensive Net Income": "0.635",
"Selling and Marketing Expense": "1.05",
"General and Administrative Expense": "1.16",
"Other Expenses": "-1.02",
"Operating Expenses": "3.24",
"Other Revenues": "-3.79",
"Other Net Income": "-0.660",
"Economic Capital Ratio": "-3.69"
},
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"Revenues": "-3.03",
"Comprehensive Net Income": "0.211",
"Selling and Marketing Expense": "0.566",
"Operating Expenses": "2.24",
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"Other Revenues": "-3.03",
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"Other Net Income": "-0.666",
"Economic Capital Ratio": "-4.09"
},
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"Assets": "1.23",
"Liabilities": "-2.24",
"Expenses": "3.68",
"Stockholders Equity": "-0.824",
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"Operating Expenses": "1.21",
"General and Administrative Expense": "0.210",
"Other Revenues": "-2.26",
"Revenues": "-2.26",
"Economic Capital Ratio": "-1.73",
"Other Net Income": "-0.952"
},
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"Assets": "-0.417",
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"Labor and Related Expense": "-0.499",
"Interest Expense": "0.173",
"Other Revenues": "-1.73",
"Revenues": "-1.73",
"Economic Capital Ratio": "-2.84",
"Other Net Income": "0.720"
},
"2020": {
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"Assets": "0.689",
"Liabilities": "-3.66",
"Expenses": "4.32",
"Stockholders Equity": "-2.69",
"ECR before LimitedLiability": "-3.64",
"Other Assets": "-5.72",
"Loans": "-11.4",
"Cash and Cash Equivalents": "0.681",
"Other Liabilities": "5.40",
"Deposits": "-13.2",
"Debt": "3.46",
"General and Administrative Expense": "0.497",
"Selling and Marketing Expense": "0.639",
"Operating Expenses": "1.14",
"Labor and Related Expense": "0.811",
"Other Expenses": "0.434",
"Other Revenues": "-3.07",
"Revenues": "-3.07",
"Economic Capital Ratio": "-3.98",
"Other Net Income": "-0.764"
},
"2021": {
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"Liabilities": "-3.60",
"Stockholders Equity": "-2.47",
"ECR before LimitedLiability": "-4.19",
"Loans": "-10.3",
"Other Assets": "-4.59",
"Notes Receivable": "13.4",
"Cash and Cash Equivalents": "-1.34",
"Other Liabilities": "5.19",
"Deposits": "-12.4",
"Debt": "3.45",
"Selling and Marketing Expense": "0.653",
"Expenses": "4.23",
"Revenues": "-3.56",
"Net Income": "-0.567",
"Operating Expenses": "1.01",
"Labor and Related Expense": "0.999",
"General and Administrative Expense": "0.661",
"Other Revenues": "-3.56",
"Other Net Income": "-0.575",
"Economic Capital Ratio": "-4.63"
},
"2022": {
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"Assets": "1.22",
"Liabilities": "-3.70",
"Stockholders Equity": "-2.32",
"Other Assets": "-4.69",
"Cash and Cash Equivalents": "-0.654",
"Notes Receivable": "11.7",
"Deposits": "-13.3",
"Other Liabilities": "4.42",
"Debt": "4.29",
"Labor and Related Expense": "1.21",
"Expenses": "4.40",
"Revenues": "-3.24",
"Net Income": "0.449",
"General and Administrative Expense": "0.704",
"Selling and Marketing Expense": "0.750",
"Operating Expenses": "1.46",
"Other Revenues": "-3.24",
"ECR before LimitedLiability": "-2.48",
"Other Net Income": "-0.547",
"Economic Capital Ratio": "-2.95"
},
"2023": {
"Assets": "2.71",
"Liabilities": "-4.25",
"Stockholders Equity": "-1.52",
"ECR before LimitedLiability": "0.431",
"Notes Receivable": "7.71",
"Loans": "-1.99",
"Other Assets": "-5.32",
"Cash and Cash Equivalents": "-1.10",
"Other Liabilities": "5.28",
"Deposits": "-18.4",
"Debt": "4.28",
"Expenses": "5.22",
"Revenues": "-4.56",
"Net Income": "1.51",
"Labor and Related Expense": "1.15",
"Operating Expenses": "3.29",
"Selling and Marketing Expense": "1.12",
"General and Administrative Expense": "1.36",
"Other Revenues": "-4.56",
"Comprehensive Net Income": "1.39",
"Economic Capital Ratio": "-1.47"
},
"2024": {
"Assets": "3.32",
"Liabilities": "-5.02",
"Stockholders Equity": "-1.68",
"Economic Capital Ratio": "-2.30",
"Other Assets": "-5.35",
"Notes Receivable": "7.65",
"Loans": "-1.06",
"Cash and Cash Equivalents": "-0.623",
"Debt": "4.39",
"Other Liabilities": "6.13",
"Deposits": "-25.7",
"Expenses": "5.94",
"Revenues": "-5.28",
"Net Income": "1.73",
"Labor and Related Expense": "1.17",
"General and Administrative Expense": "1.41",
"Operating Expenses": "3.90",
"Selling and Marketing Expense": "1.40",
"Other Revenues": "-5.28",
"Comprehensive Net Income": "1.82",
"Other Net Income": "-0.890"
},
"2025": {
"Other Assets": "-5.67",
"Assets": "3.55",
"Liabilities": "-3.23",
"ECR before LimitedLiability": "2.91",
"Loans": "-1.43",
"Cash and Cash Equivalents": "0.742",
"Notes Receivable": "7.54",
"Deposits": "-24.6",
"Debt": "2.92",
"Other Liabilities": "6.90",
"Operating Expenses": "2.85",
"Expenses": "5.87",
"Net Income": "2.14",
"Labor and Related Expense": "0.837",
"Selling and Marketing Expense": "1.32",
"General and Administrative Expense": "0.686",
"Other Revenues": "-4.21",
"Revenues": "-4.21",
"Comprehensive Net Income": "2.15",
"Other Net Income": "0.926",
"Economic Capital Ratio": "-0.703"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001367859_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
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"Debt": "0",
"Deposits": "557,677",
"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": "685,819",
"Other Compr. Net Income": "828",
"Other Expenses": "1,286",
"Other Liabilities": "73,644",
"Other Net Income": "3,859",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "695,865",
"Liabilities": "631,321",
"Expenses": "1,286",
"Revenues": "0",
"Stockholders Equity": "64,544",
"Net Income": "2,573",
"Comprehensive Net Income": "3,401",
"BaseVar": "666,580",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
},
"2017": {
"input_variables": {
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"Debt": "0",
"Deposits": "742,504",
"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": "898,987",
"Other Compr. Net Income": "0",
"Other Expenses": "1,323",
"Other Liabilities": "124,677",
"Other Net Income": "3,822",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "940,664",
"Liabilities": "867,181",
"Expenses": "1,323",
"Revenues": "0",
"Stockholders Equity": "73,483",
"Net Income": "2,499",
"Comprehensive Net Income": "2,499",
"BaseVar": "906,495",
"ECR before LimitedLiability": "4.3%",
"Economic Capital Ratio": "12%"
}
},
"2018": {
"input_variables": {
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"Debt": "0",
"Deposits": "746,529",
"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": "940,915",
"Other Compr. Net Income": "-2,302",
"Other Expenses": "2,326",
"Other Liabilities": "93,033",
"Other Net Income": "6,609",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
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"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": {
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"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": {
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"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": {
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"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": {
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"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": {
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"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",
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"Comprehensive Net Income": "-56",
"BaseVar": "1,756,451",
"ECR before LimitedLiability": "4.8%",
"Economic Capital Ratio": "13%"
}
},
"2023": {
"input_variables": {
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"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",
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"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": {
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"Liabilities": "1,678,057",
"Expenses": "5,873",
"Revenues": "0",
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"Comprehensive Net Income": "13,387",
"BaseVar": "1,777,290",
"ECR before LimitedLiability": "5.7%",
"Economic Capital Ratio": "14%"
}
},
"2024": {
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"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": {
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"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%"
}
},
"2025": {
"input_variables": {
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"Debt": "0",
"Deposits": "1,524,099",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,317,924",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "344,978",
"Other Compr. Net Income": "3,953",
"Other Expenses": "3,021",
"Other Liabilities": "69,717",
"Other Net Income": "17,441",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "1,781,755",
"Liabilities": "1,593,816",
"Expenses": "3,021",
"Revenues": "0",
"Stockholders Equity": "187,939",
"Net Income": "14,420",
"Comprehensive Net Income": "18,373",
"BaseVar": "1,699,993",
"ECR before LimitedLiability": "6.7%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 8.0,
"value": 0.1432553900245377,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001367859.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001367859.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001367859.svg"
},
{
"company_id": "0000038009",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0000038009.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0000038009.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0000038009.png",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0000038009_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0000038009_main_keyfigs.svg",
"name": "FORD Motor Credit CO LLC",
"rank": 27,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/backtesting_correlation/regression_0000038009.svg",
"report_text": "The relative strengths and weaknesses of FORD Motor Credit CO 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 FORD Motor Credit CO LLC compared to the market average is the variable Deposits, increasing the Economic Capital Ratio by 8.8% points.The greatest weakness of FORD Motor Credit CO 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 14%, being 0.81% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0000038009_2026_FORD_Motor_Credit_CO_LLC.pdf",
"shrinked_graph_json": {
"2018": {
"Other Assets": "-5.34",
"Assets": "-2.16",
"Liabilities": "-0.998",
"Stockholders Equity": "-3.21",
"ECR before LimitedLiability": "-2.75",
"Notes Receivable": "13.8",
"Cash and Cash Equivalents": "0.920",
"Loans": "-16.3",
"Deposits": "10.1",
"Other Liabilities": "-51.3",
"Debt": "3.05",
"Expenses": "-0.956",
"Revenues": "3.75",
"Net Income": "1.02",
"Interest Expense": "-1.79",
"Other Expenses": "-1.23",
"Operating Expenses": "0.612",
"Other Revenues": "3.75",
"Comprehensive Net Income": "0.698",
"Other Net Income": "-1.42",
"Economic Capital Ratio": "-3.02"
},
"2019": {
"Other Assets": "-4.56",
"Assets": "-2.04",
"Liabilities": "-0.661",
"Stockholders Equity": "-2.79",
"ECR before LimitedLiability": "-2.48",
"Cash and Cash Equivalents": "0.640",
"Notes Receivable": "13.7",
"Loans": "-15.7",
"Deposits": "9.87",
"Debt": "4.59",
"Other Liabilities": "-51.6",
"Expenses": "-1.42",
"Revenues": "3.87",
"Net Income": "0.890",
"Other Expenses": "-1.28",
"Selling and Marketing Expense": "0.762",
"Labor and Related Expense": "0.632",
"Interest Expense": "-1.97",
"Other Revenues": "3.87",
"Other Net Income": "-1.17",
"Economic Capital Ratio": "-2.67"
},
"2020": {
"Notes Receivable": "12.4",
"Assets": "-1.78",
"Liabilities": "-1.72",
"Stockholders Equity": "-3.41",
"ECR before LimitedLiability": "-3.59",
"Other Assets": "-5.51",
"Loans": "-12.0",
"Cash and Cash Equivalents": "1.26",
"Securities": "0.814",
"Other Liabilities": "-47.2",
"Deposits": "9.44",
"Debt": "3.68",
"Expenses": "-0.556",
"Selling and Marketing Expense": "0.678",
"Labor and Related Expense": "0.861",
"Other Expenses": "-1.73",
"Interest Expense": "-1.48",
"Other Revenues": "2.42",
"Revenues": "2.42",
"Economic Capital Ratio": "-3.93",
"Other Net Income": "-1.51"
},
"2021": {
"Assets": "-1.06",
"Liabilities": "-1.95",
"Stockholders Equity": "-2.87",
"ECR before LimitedLiability": "-2.84",
"Loans": "-10.5",
"Other Assets": "-5.14",
"Notes Receivable": "13.2",
"Other Liabilities": "-52.6",
"Deposits": "10.7",
"Debt": "3.46",
"Selling and Marketing Expense": "0.645",
"Expenses": "0.951",
"Revenues": "2.01",
"Net Income": "1.04",
"Labor and Related Expense": "0.986",
"Interest Expense": "-1.35",
"General and Administrative Expense": "0.653",
"Other Revenues": "2.01",
"Comprehensive Net Income": "1.06",
"Other Net Income": "-1.77",
"Economic Capital Ratio": "-3.27"
},
"2025": {
"Deposits": "8.75",
"Liabilities": "-0.782",
"Other Assets": "-6.35",
"Stockholders Equity": "-0.697",
"ECR before LimitedLiability": "2.80",
"Debt": "3.17",
"Other Liabilities": "-35.1",
"Other Revenues": "2.06",
"Revenues": "2.06",
"Net Income": "2.76",
"Loans": "-1.55",
"Notes Receivable": "6.67",
"Comprehensive Net Income": "2.84",
"Operating Expenses": "2.16",
"Interest Expense": "0.262",
"Labor and Related Expense": "0.910",
"Selling and Marketing Expense": "1.44",
"General and Administrative Expense": "0.746",
"Other Expenses": "-4.91",
"Other Net Income": "0.464",
"Economic Capital Ratio": "-0.814"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0000038009_strength_weakness.svg",
"table_records": {
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "9,607,000",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "3,930,000",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "118,814,000",
"Occupancy": "0",
"Operating Expenses": "1,429,000",
"Other Assets": "32,480,000",
"Other Compr. Net Income": "-813,000",
"Other Expenses": "4,476,000",
"Other Liabilities": "147,234,000",
"Other Net Income": "485,000",
"Other Revenues": "11,977,000",
"Professional Fees": "0",
"Securities": "1,308,000",
"Selling and Marketing Expense": "0"
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"Other Expenses": "4,034,000",
"Other Liabilities": "147,079,000",
"Other Net Income": "619,000",
"Other Revenues": "12,218,000",
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{
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"rank": 28,
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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 13% points.The greatest weakness of UWM Holdings Corp is the variable Other Liabilities, reducing the Economic Capital Ratio by 31% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.86% points below the market average of 15%.",
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{
"company_id": "0001490906",
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"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001490906.svg",
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"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 9.5% points.The greatest weakness of Capitol Federal Financial Inc is the variable Other Liabilities, reducing the Economic Capital Ratio by 18% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 0.94% points below the market average of 15%.",
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"General and Administrative Expense": "0.693",
"Selling and Marketing Expense": "0.738",
"Operating Expenses": "1.26",
"Other Revenues": "-3.06",
"Economic Capital Ratio": "-2.34",
"Other Compr. Net Income": "-0.444"
},
"2023": {
"Assets": "2.55",
"Liabilities": "-3.77",
"Stockholders Equity": "-1.17",
"Economic Capital Ratio": "-1.24",
"Notes Receivable": "7.99",
"Loans": "-1.98",
"Other Assets": "-5.61",
"Cash and Cash Equivalents": "-0.950",
"Other Liabilities": "-17.5",
"Deposits": "8.48",
"Debt": "-8.22",
"Expenses": "5.40",
"Revenues": "-4.43",
"Comprehensive Net Income": "1.21",
"Labor and Related Expense": "0.706",
"Operating Expenses": "3.06",
"Selling and Marketing Expense": "1.11",
"General and Administrative Expense": "1.35",
"Other Revenues": "-4.43",
"Other Compr. Net Income": "1.17",
"Other Net Income": "-1.34"
},
"2024": {
"Securities": "-0.424",
"Assets": "3.01",
"Liabilities": "-4.55",
"Stockholders Equity": "-1.49",
"Economic Capital Ratio": "-2.28",
"Other Assets": "-6.85",
"Notes Receivable": "9.03",
"Loans": "-1.07",
"Cash and Cash Equivalents": "-0.852",
"Debt": "-5.65",
"Other Liabilities": "-19.5",
"Deposits": "8.02",
"Expenses": "5.80",
"Revenues": "-5.21",
"Net Income": "1.41",
"Labor and Related Expense": "0.711",
"General and Administrative Expense": "1.42",
"Operating Expenses": "3.73",
"Selling and Marketing Expense": "1.42",
"Other Revenues": "-5.21",
"Comprehensive Net Income": "1.58"
},
"2025": {
"Other Assets": "-7.12",
"Assets": "3.15",
"Liabilities": "-2.84",
"ECR before LimitedLiability": "2.67",
"Loans": "-1.47",
"Cash and Cash Equivalents": "-0.840",
"Notes Receivable": "9.48",
"Deposits": "8.30",
"Debt": "-5.68",
"Other Liabilities": "-18.0",
"Operating Expenses": "2.73",
"Expenses": "5.50",
"Net Income": "2.10",
"Selling and Marketing Expense": "1.35",
"General and Administrative Expense": "0.702",
"Other Expenses": "-0.386",
"Other Revenues": "-4.17",
"Revenues": "-4.17",
"Comprehensive Net Income": "1.85",
"Other Net Income": "1.75",
"Economic Capital Ratio": "-0.941"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001490906_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "281,764",
"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": "6,958,024",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "2,027,459",
"Other Compr. Net Income": "-2,459",
"Other Expenses": "38,445",
"Other Liabilities": "7,874,283",
"Other Net Income": "121,939",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "9,267,247",
"Liabilities": "7,874,283",
"Expenses": "38,445",
"Revenues": "0",
"Stockholders Equity": "1,392,964",
"Net Income": "83,494",
"Comprehensive Net Income": "81,035",
"BaseVar": "8,652,186",
"ECR before LimitedLiability": "9.1%",
"Economic Capital Ratio": "16%"
}
},
"2021": {
"input_variables": {
"Cash and Cash Equivalents": "42,262",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "56,002",
"Loans": "7,081,142",
"Notes Receivable": "0",
"Occupancy": "14,045",
"Operating Expenses": "17,922",
"Other Assets": "2,507,842",
"Other Compr. Net Income": "200",
"Other Expenses": "47,546",
"Other Liabilities": "8,388,973",
"Other Net Income": "196,285",
"Other Revenues": "16,500",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "9,631,246",
"Liabilities": "8,388,973",
"Expenses": "135,515",
"Revenues": "16,500",
"Stockholders Equity": "1,242,273",
"Net Income": "77,270",
"Comprehensive Net Income": "77,470",
"BaseVar": "9,184,360",
"ECR before LimitedLiability": "7.8%",
"Economic Capital Ratio": "15%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "49,194",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "56,600",
"Loans": "0",
"Notes Receivable": "7,464,208",
"Occupancy": "14,370",
"Operating Expenses": "18,311",
"Other Assets": "2,111,495",
"Other Compr. Net Income": "-129,328",
"Other Expenses": "46,320",
"Other Liabilities": "8,528,398",
"Other Net Income": "203,309",
"Other Revenues": "18,100",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "9,624,897",
"Liabilities": "8,528,398",
"Expenses": "135,601",
"Revenues": "18,100",
"Stockholders Equity": "1,096,499",
"Net Income": "85,808",
"Comprehensive Net Income": "-43,520",
"BaseVar": "9,319,816",
"ECR before LimitedLiability": "5.6%",
"Economic Capital Ratio": "13%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "245,605",
"Debt": "2,879,125",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "51,491",
"Loans": "0",
"Notes Receivable": "7,970,949",
"Occupancy": "14,236",
"Operating Expenses": "23,425",
"Other Assets": "1,960,907",
"Other Compr. Net Income": "154,333",
"Other Expenses": "-12,514",
"Other Liabilities": "6,254,282",
"Other Net Income": "-41,253",
"Other Revenues": "17,600",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "10,177,461",
"Liabilities": "9,133,407",
"Expenses": "76,638",
"Revenues": "17,600",
"Stockholders Equity": "1,044,054",
"Net Income": "-100,291",
"Comprehensive Net Income": "54,042",
"BaseVar": "9,800,346",
"ECR before LimitedLiability": "6.0%",
"Economic Capital Ratio": "14%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "217,307",
"Debt": "2,179,564",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "52,272",
"Loans": "0",
"Notes Receivable": "7,907,338",
"Occupancy": "13,558",
"Operating Expenses": "20,324",
"Other Assets": "1,402,963",
"Other Compr. Net Income": "12,927",
"Other Expenses": "41,882",
"Other Liabilities": "6,315,774",
"Other Net Income": "152,227",
"Other Revenues": "15,300",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "9,527,608",
"Liabilities": "8,495,338",
"Expenses": "128,036",
"Revenues": "15,300",
"Stockholders Equity": "1,032,270",
"Net Income": "39,491",
"Comprehensive Net Income": "52,418",
"BaseVar": "9,165,718",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "252,443",
"Debt": "1,950,770",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "60,383",
"Loans": "0",
"Notes Receivable": "8,111,961",
"Occupancy": "13,397",
"Operating Expenses": "19,690",
"Other Assets": "1,414,297",
"Other Compr. Net Income": "-5,872",
"Other Expenses": "38,796",
"Other Liabilities": "6,780,254",
"Other Net Income": "185,643",
"Other Revenues": "16,300",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "9,778,701",
"Liabilities": "8,731,024",
"Expenses": "132,266",
"Revenues": "16,300",
"Stockholders Equity": "1,047,677",
"Net Income": "69,677",
"Comprehensive Net Income": "63,805",
"BaseVar": "9,424,903",
"ECR before LimitedLiability": "6.3%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 4.0,
"value": 0.140871681402865,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001490906.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001490906.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001490906.svg"
},
{
"company_id": "0001530249",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001530249.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001530249_main_keyfigs.svg",
"name": "FS Bancorp Inc",
"rank": 30,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 9.2% points.The greatest weakness of FS 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 14%, being 1.1% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001530249_2026_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"
},
"2025": {
"Other Assets": "-6.40",
"Assets": "3.34",
"Liabilities": "-3.43",
"ECR before LimitedLiability": "2.55",
"Loans": "-1.46",
"Cash and Cash Equivalents": "-1.44",
"Notes Receivable": "9.19",
"Deposits": "-22.3",
"Debt": "2.96",
"Other Liabilities": "6.35",
"Operating Expenses": "2.91",
"Expenses": "5.53",
"Net Income": "2.39",
"Labor and Related Expense": "0.852",
"Selling and Marketing Expense": "1.35",
"General and Administrative Expense": "0.699",
"Other Revenues": "-4.26",
"Revenues": "-4.26",
"Comprehensive Net Income": "2.24",
"Other Net Income": "1.20",
"Economic Capital Ratio": "-1.06"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "28,219",
"Debt": "0",
"Deposits": "2,673,642",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "2,623,172",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "545,456",
"Other Compr. Net Income": "1,311",
"Other Expenses": "7,774",
"Other Liabilities": "215,511",
"Other Net Income": "41,120",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,196,847",
"Liabilities": "2,889,153",
"Expenses": "7,774",
"Revenues": "0",
"Stockholders Equity": "307,694",
"Net Income": "33,346",
"Comprehensive Net Income": "34,657",
"BaseVar": "3,068,102",
"ECR before LimitedLiability": "6.2%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": 1.0,
"value": 0.1396576034298366,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001530249.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001530249.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001530249.svg"
},
{
"company_id": "0001108134",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001108134.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001108134_main_keyfigs.svg",
"name": "Beacon Financial Corp",
"rank": 31,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 7.8% points.The greatest weakness of Beacon Financial Corp is the variable Deposits, reducing the Economic Capital Ratio by 23% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.1% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001108134_2026_Beacon_Financial_Corp.pdf",
"shrinked_graph_json": {
"2016": {
"Cash and Cash Equivalents": "-1.12",
"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": {
"Deposits": "-18.4",
"Liabilities": "-3.10",
"Loans": "-10.2",
"Stockholders Equity": "-3.02",
"Other Liabilities": "4.13",
"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": {
"Assets": "1.35",
"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",
"Expenses": "5.33",
"Revenues": "-3.15",
"Net Income": "1.53",
"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"
},
"2025": {
"Other Assets": "-7.15",
"Assets": "3.07",
"Liabilities": "-2.75",
"ECR before LimitedLiability": "2.47",
"Loans": "-1.49",
"Cash and Cash Equivalents": "1.64",
"Notes Receivable": "7.76",
"Deposits": "-22.6",
"Debt": "1.43",
"Other Liabilities": "6.87",
"Operating Expenses": "2.96",
"Expenses": "5.09",
"Net Income": "1.70",
"Selling and Marketing Expense": "1.35",
"General and Administrative Expense": "0.711",
"Other Expenses": "-0.719",
"Other Revenues": "-4.32",
"Revenues": "-4.32",
"Comprehensive Net Income": "1.63",
"Other Net Income": "1.91",
"Economic Capital Ratio": "-1.15"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001108134_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "113,075",
"Debt": "0",
"Deposits": "6,622,092",
"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": {
"Assets": "9,162,542",
"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": {
"Cash and Cash Equivalents": "248,763",
"Debt": "0",
"Deposits": "8,749,530",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "152,979",
"Loans": "8,247,504",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "25,900",
"Other Assets": "3,074,484",
"Other Compr. Net Income": "-5,605",
"Other Expenses": "165,316",
"Other Liabilities": "1,324,957",
"Other Net Income": "0",
"Other Revenues": "420,484",
"Professional Fees": "9,165",
"Securities": "0",
"Selling and Marketing Expense": "11,877"
},
"output_variables": {
"Assets": "11,570,751",
"Liabilities": "10,074,487",
"Expenses": "365,237",
"Revenues": "420,484",
"Stockholders Equity": "1,496,264",
"Net Income": "55,247",
"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"
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"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%"
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},
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"Debt": "0",
"Deposits": "10,068,953",
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"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"
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"output_variables": {
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"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": {
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"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": {
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"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": {
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"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": {
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"Debt": "0",
"Deposits": "10,375,204",
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"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "160,453",
"Loans": "0",
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"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": {
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"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%"
}
},
"2025": {
"input_variables": {
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"Debt": "788,360",
"Deposits": "19,514,657",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "191,203",
"Loans": "0",
"Notes Receivable": "17,776,713",
"Occupancy": "29,868",
"Operating Expenses": "0",
"Other Assets": "3,401,914",
"Other Compr. Net Income": "32,880",
"Other Expenses": "186,197",
"Other Liabilities": "421,294",
"Other Net Income": "478,120",
"Other Revenues": "0",
"Professional Fees": "8,089",
"Securities": "0",
"Selling and Marketing Expense": "5,979"
},
"output_variables": {
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"Liabilities": "20,724,311",
"Expenses": "421,336",
"Revenues": "0",
"Stockholders Equity": "2,496,061",
"Net Income": "56,784",
"Comprehensive Net Income": "89,664",
"BaseVar": "22,438,510",
"ECR before LimitedLiability": "6.1%",
"Economic Capital Ratio": "14%"
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}
},
"top_rated": false,
"trend": 13.0,
"value": 0.13881810072196632,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001108134.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001108134.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001108134.svg"
},
{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001914605.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001914605.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/2025/plot_over_time/0001914605_main_keyfigs.svg",
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"rank": 32,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/backtesting_correlation/regression_0001914605.svg",
"report_text": "The relative strengths and weaknesses of ECB 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 ECB 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 ECB Bancorp Inc MD 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 1.1% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001914605_2026_ECB_Bancorp_Inc_MD.pdf",
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"Liabilities": "-2.49",
"Stockholders Equity": "0.431",
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"Notes Receivable": "-7.30",
"Deposits": "-9.09",
"Other Liabilities": "2.48",
"Debt": "3.81",
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"Expenses": "4.51",
"Revenues": "-2.89",
"Comprehensive Net Income": "0.494",
"General and Administrative Expense": "0.608",
"Selling and Marketing Expense": "0.647",
"Operating Expenses": "1.26",
"Other Revenues": "-2.89",
"Other Compr. Net Income": "0.648",
"Other Net Income": "-1.17",
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"Assets": "3.17",
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"Expenses": "5.41",
"Net Income": "1.91",
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"General and Administrative Expense": "0.709",
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"Revenues": "-4.27",
"Comprehensive Net Income": "1.64",
"Other Net Income": "1.77",
"Economic Capital Ratio": "-1.15"
}
},
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"table_records": {
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"Economic Capital Ratio": "16%"
}
},
"2025": {
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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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"Other Expenses": "7,640",
"Other Liabilities": "301,375",
"Other Net Income": "30,636",
"Other Revenues": "1,073",
"Professional Fees": "1,368",
"Securities": "0",
"Selling and Marketing Expense": "639"
},
"output_variables": {
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"Expenses": "23,937",
"Revenues": "1,073",
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"Economic Capital Ratio": "14%"
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"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001914605.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001914605.svg"
},
{
"company_id": "0001464343",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001464343.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001464343.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001464343.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001464343_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001464343_main_keyfigs.svg",
"name": "Atlanticus Holdings Corp",
"rank": 33,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 Assets, increasing the Economic Capital Ratio by 12% points.The greatest weakness of Atlanticus Holdings Corp 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 14%, being 1.2% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001464343_2026_Atlanticus_Holdings_Corp.pdf",
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"Other Net Income": "1.33",
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},
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"Assets": "-10.7",
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"Other Revenues": "20.7",
"Comprehensive Net Income": "4.75",
"Other Net Income": "-9.88",
"Economic Capital Ratio": "4.54"
},
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"Loans": "9.13",
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"Notes Receivable": "-6.87",
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"Deposits": "18.8",
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"Expenses": "-9.21",
"Net Income": "5.13",
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"Operating Expenses": "1.24",
"Interest Expense": "-2.07",
"Other Revenues": "19.8",
"Revenues": "19.8",
"Comprehensive Net Income": "5.29",
"Other Net Income": "-15.3",
"Economic Capital Ratio": "6.60"
},
"2022": {
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"Assets": "-9.25",
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}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001464343_strength_weakness.svg",
"table_records": {
"2019": {
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},
"2020": {
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},
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"Expenses": "322,095",
"Revenues": "748,056",
"Stockholders Equity": "427,149",
"Net Income": "177,789",
"Comprehensive Net Income": "177,789",
"BaseVar": "2,389,450",
"ECR before LimitedLiability": "23%",
"Economic Capital Ratio": "25%"
}
},
"2022": {
"input_variables": {
"Cash and Cash Equivalents": "48,208",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "81,851",
"Interest Payable": "0",
"Labor and Related Expense": "43,063",
"Loans": "1,905,410",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "434,196",
"Other Compr. Net Income": "0",
"Other Expenses": "147,915",
"Other Liabilities": "1,922,824",
"Other Net Income": "-577,069",
"Other Revenues": "1,046,913",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "62,403"
},
"output_variables": {
"Assets": "2,387,814",
"Liabilities": "1,922,824",
"Expenses": "335,232",
"Revenues": "1,046,913",
"Stockholders Equity": "464,990",
"Net Income": "134,612",
"Comprehensive Net Income": "134,612",
"BaseVar": "3,134,926",
"ECR before LimitedLiability": "17%",
"Economic Capital Ratio": "21%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "44,315",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "109,342",
"Interest Payable": "0",
"Labor and Related Expense": "43,906",
"Loans": "0",
"Notes Receivable": "2,272,184",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "389,946",
"Other Compr. Net Income": "0",
"Other Expenses": "158,676",
"Other Liabilities": "2,173,778",
"Other Net Income": "-689,577",
"Other Revenues": "1,155,876",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "52,421"
},
"output_variables": {
"Assets": "2,706,445",
"Liabilities": "2,173,778",
"Expenses": "364,345",
"Revenues": "1,155,876",
"Stockholders Equity": "532,667",
"Net Income": "101,954",
"Comprehensive Net Income": "101,954",
"BaseVar": "3,545,010",
"ECR before LimitedLiability": "15%",
"Economic Capital Ratio": "20%"
}
},
"2024": {
"input_variables": {
"Cash and Cash Equivalents": "124,220",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "160,173",
"Interest Payable": "0",
"Labor and Related Expense": "50,143",
"Loans": "0",
"Notes Receivable": "84,332",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "3,062,155",
"Other Compr. Net Income": "0",
"Other Expenses": "201,365",
"Other Liabilities": "2,691,344",
"Other Net Income": "-733,471",
"Other Revenues": "1,311,444",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "56,186"
},
"output_variables": {
"Assets": "3,270,707",
"Liabilities": "2,691,344",
"Expenses": "467,867",
"Revenues": "1,311,444",
"Stockholders Equity": "579,363",
"Net Income": "110,106",
"Comprehensive Net Income": "110,106",
"BaseVar": "4,237,416",
"ECR before LimitedLiability": "13%",
"Economic Capital Ratio": "19%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "146,314",
"Debt": "0",
"Deposits": "0",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "301,903",
"Interest Payable": "0",
"Labor and Related Expense": "69,572",
"Loans": "0",
"Notes Receivable": "82,884",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "7,393,890",
"Other Compr. Net Income": "0",
"Other Expenses": "259,995",
"Other Liabilities": "6,979,258",
"Other Net Income": "-1,103,055",
"Other Revenues": "1,968,399",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "113,265"
},
"output_variables": {
"Assets": "7,623,088",
"Liabilities": "6,979,258",
"Expenses": "744,735",
"Revenues": "1,968,399",
"Stockholders Equity": "643,830",
"Net Income": "120,609",
"Comprehensive Net Income": "120,609",
"BaseVar": "9,209,268",
"ECR before LimitedLiability": "6.1%",
"Economic Capital Ratio": "14%"
}
}
},
"top_rated": false,
"trend": -21.0,
"value": 0.13860426381121405,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001464343.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001464343.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001464343.svg"
},
{
"company_id": "0001504008",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001504008.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001504008_main_keyfigs.svg",
"name": "Bankunited Inc",
"rank": 34,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 Other Liabilities, increasing the Economic Capital Ratio by 6.1% points.The greatest weakness of Bankunited Inc is the variable Deposits, reducing the Economic Capital Ratio by 21% points.
The company's Economic Capital Ratio, given in the ranking table, is 14%, being 1.5% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001504008_2026_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"
},
"2025": {
"Other Assets": "-2.80",
"Assets": "2.33",
"Liabilities": "-3.00",
"ECR before LimitedLiability": "2.11",
"Loans": "-1.53",
"Cash and Cash Equivalents": "-1.60",
"Notes Receivable": "5.84",
"Deposits": "-21.2",
"Debt": "2.64",
"Other Liabilities": "6.11",
"Operating Expenses": "2.79",
"Expenses": "4.89",
"Net Income": "2.21",
"Selling and Marketing Expense": "1.40",
"General and Administrative Expense": "0.728",
"Other Expenses": "-0.731",
"Other Revenues": "-4.25",
"Revenues": "-4.25",
"Comprehensive Net Income": "2.26",
"Other Net Income": "2.52",
"Economic Capital Ratio": "-1.50"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001504008_strength_weakness.svg",
"table_records": {
"2016": {
"input_variables": {
"Cash and Cash Equivalents": "448,313",
"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": {
"Cash and Cash Equivalents": "214,673",
"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": {
"Cash and Cash Equivalents": "397,716",
"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": {
"Assets": "35,815,396",
"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": {
"Cash and Cash Equivalents": "572,647",
"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",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "37,026,712",
"Liabilities": "34,590,731",
"Expenses": "630,471",
"Revenues": "96,011",
"Stockholders Equity": "2,435,981",
"Net Income": "284,971",
"Comprehensive Net Income": "-136,994",
"BaseVar": "36,792,660",
"ECR before LimitedLiability": "3.0%",
"Economic Capital Ratio": "11%"
}
},
"2023": {
"input_variables": {
"Cash and Cash Equivalents": "588,283",
"Debt": "708,973",
"Deposits": "26,538,478",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "280,744",
"Loans": "0",
"Notes Receivable": "0",
"Occupancy": "43,345",
"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": {
"Assets": "35,761,607",
"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": {
"Cash and Cash Equivalents": "491,116",
"Debt": "708,553",
"Deposits": "27,865,703",
"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",
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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 8.2% points.The greatest weakness of Western New England Bancorp Inc is the variable Deposits, reducing the Economic Capital Ratio by 24% points.
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The greatest strength of Greene County Bancorp INC compared to the market average is the variable Other Liabilities, increasing the Economic Capital Ratio by 6.0% points.The greatest weakness of Greene County Bancorp INC is the variable Deposits, reducing the Economic Capital Ratio by 24% points.
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"Cash and Cash Equivalents": "-1.30",
"Loans": "1.46",
"Comprehensive Net Income": "0.806",
"Economic Capital Ratio": "-3.33"
},
"2019": {
"Liabilities": "-2.97",
"Stockholders Equity": "-2.45",
"ECR before LimitedLiability": "-2.48",
"Deposits": "-17.0",
"Debt": "4.29",
"Other Liabilities": "5.64",
"Expenses": "3.36",
"Net Income": "0.522",
"Other Expenses": "0.475",
"Operating Expenses": "0.628",
"Selling and Marketing Expense": "0.715",
"Labor and Related Expense": "0.593",
"Other Revenues": "-2.40",
"Revenues": "-2.40",
"Other Assets": "2.01",
"Cash and Cash Equivalents": "-1.38",
"Notes Receivable": "-2.17",
"Loans": "2.99",
"Securities": "-0.472",
"Comprehensive Net Income": "0.491",
"Economic Capital Ratio": "-2.67"
},
"2020": {
"Other Liabilities": "5.25",
"Liabilities": "-4.17",
"Stockholders Equity": "-3.56",
"ECR before LimitedLiability": "-4.33",
"Deposits": "-19.9",
"Debt": "3.55",
"Expenses": "4.57",
"General and Administrative Expense": "0.514",
"Selling and Marketing Expense": "0.661",
"Operating Expenses": "1.18",
"Labor and Related Expense": "0.839",
"Other Expenses": "0.535",
"Other Revenues": "-3.16",
"Revenues": "-3.16",
"Notes Receivable": "10.7",
"Other Assets": "1.56",
"Loans": "-11.6",
"Cash and Cash Equivalents": "-2.09",
"Securities": "-0.381",
"Economic Capital Ratio": "-4.67",
"Other Net Income": "-0.593"
},
"2021": {
"Other Liabilities": "4.70",
"Liabilities": "-4.55",
"Stockholders Equity": "-3.78",
"Deposits": "-18.7",
"Debt": "3.62",
"Selling and Marketing Expense": "0.696",
"Expenses": "4.23",
"Net Income": "-0.727",
"Operating Expenses": "1.08",
"Labor and Related Expense": "1.06",
"General and Administrative Expense": "0.705",
"Other Revenues": "-3.74",
"Revenues": "-3.74",
"ECR before LimitedLiability": "-5.61",
"Loans": "-10.7",
"Other Assets": "4.33",
"Notes Receivable": "7.24",
"Cash and Cash Equivalents": "-2.44",
"Comprehensive Net Income": "-0.613",
"Other Net Income": "-0.969",
"Economic Capital Ratio": "-6.05"
},
"2022": {
"Loans": "-9.91",
"Assets": "0.676",
"Liabilities": "-4.60",
"Stockholders Equity": "-3.66",
"Other Assets": "3.93",
"Cash and Cash Equivalents": "-1.48",
"Notes Receivable": "4.60",
"Deposits": "-17.1",
"Other Liabilities": "3.73",
"Debt": "3.38",
"Labor and Related Expense": "1.27",
"Expenses": "3.43",
"Revenues": "-3.38",
"Comprehensive Net Income": "0.705",
"General and Administrative Expense": "0.737",
"Selling and Marketing Expense": "0.785",
"Operating Expenses": "1.53",
"Other Revenues": "-3.38",
"ECR before LimitedLiability": "-3.51",
"Other Net Income": "-0.604",
"Economic Capital Ratio": "-3.98"
},
"2024": {
"Assets": "2.85",
"Liabilities": "-5.85",
"Stockholders Equity": "-2.97",
"Other Assets": "4.35",
"Notes Receivable": "1.99",
"Loans": "-1.13",
"Cash and Cash Equivalents": "-1.76",
"Debt": "4.34",
"ECR before LimitedLiability": "-0.997",
"Other Liabilities": "4.86",
"Deposits": "-23.5",
"Expenses": "5.02",
"Revenues": "-5.49",
"Net Income": "1.91",
"Labor and Related Expense": "1.24",
"General and Administrative Expense": "1.49",
"Operating Expenses": "4.14",
"Selling and Marketing Expense": "1.49",
"Other Revenues": "-5.49",
"Comprehensive Net Income": "2.01",
"Economic Capital Ratio": "-3.53"
},
"2025": {
"Other Assets": "4.22",
"Assets": "3.05",
"Liabilities": "-3.91",
"Stockholders Equity": "-0.932",
"ECR before LimitedLiability": "1.89",
"Loans": "-1.52",
"Cash and Cash Equivalents": "-1.81",
"Notes Receivable": "3.05",
"Deposits": "-24.0",
"Debt": "3.03",
"Other Liabilities": "6.02",
"Operating Expenses": "3.00",
"Expenses": "4.92",
"Revenues": "-4.36",
"Net Income": "2.44",
"Labor and Related Expense": "0.879",
"Selling and Marketing Expense": "1.39",
"Other Revenues": "-4.36",
"Comprehensive Net Income": "2.43",
"Other Net Income": "1.10",
"Economic Capital Ratio": "-1.72"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"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%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "2,639,835",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "0",
"Labor and Related Expense": "0",
"Loans": "0",
"Notes Receivable": "1,607,260",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "1,433,349",
"Other Compr. Net Income": "6,174",
"Other Expenses": "3,528",
"Other Liabilities": "161,937",
"Other Net Income": "34,666",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "3,040,609",
"Liabilities": "2,801,772",
"Expenses": "3,528",
"Revenues": "0",
"Stockholders Equity": "238,837",
"Net Income": "31,138",
"Comprehensive Net Income": "37,312",
"BaseVar": "2,943,374",
"ECR before LimitedLiability": "5.4%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 12.0,
"value": 0.13303725170378203,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001070524.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001070524.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001070524.svg"
},
{
"company_id": "0001698022",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001698022.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001698022_main_keyfigs.svg",
"name": "Farmers Merchants Bancshares Inc",
"rank": 37,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 Notes Receivable, increasing the Economic Capital Ratio by 6.0% points.The greatest weakness of Farmers Merchants Bancshares 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 13%, being 2.1% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001698022_2026_Farmers_Merchants_Bancshares_Inc.pdf",
"shrinked_graph_json": {
"2017": {
"Notes Receivable": "-1.32",
"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": {
"Other Assets": "-5.01",
"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",
"ECR before LimitedLiability": "-1.68",
"Cash and Cash Equivalents": "-1.32",
"Notes Receivable": "-2.07",
"Loans": "7.47",
"Securities": "-0.449",
"Deposits": "-15.9",
"Debt": "4.16",
"Other Liabilities": "6.31",
"General and Administrative Expense": "0.359",
"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"
},
"2020": {
"Notes Receivable": "-5.17",
"Assets": "-0.511",
"Liabilities": "-3.61",
"Stockholders Equity": "-3.80",
"Other Assets": "-5.13",
"Loans": "8.05",
"Cash and Cash Equivalents": "-2.20",
"Other Liabilities": "4.56",
"Deposits": "-15.7",
"Debt": "2.48",
"Expenses": "2.57",
"Revenues": "-3.29",
"Net Income": "-0.597",
"General and Administrative Expense": "0.540",
"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": {
"Other Liabilities": "4.90",
"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",
"Other Expenses": "-0.401",
"Operating Expenses": "1.09",
"General and Administrative Expense": "0.714",
"Other Revenues": "-3.77",
"Revenues": "-3.77",
"Loans": "7.01",
"Other Assets": "-2.00",
"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": {
"Deposits": "-16.6",
"Liabilities": "-3.52",
"Loans": "7.76",
"Stockholders Equity": "-3.82",
"Other Liabilities": "3.16",
"Debt": "2.18",
"Expenses": "2.16",
"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",
"ECR before LimitedLiability": "-4.73",
"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"
},
"2023": {
"Assets": "1.35",
"Liabilities": "-4.40",
"Stockholders Equity": "-2.90",
"Notes Receivable": "4.26",
"Loans": "-2.19",
"Other Assets": "-1.32",
"Cash and Cash Equivalents": "-2.00",
"Other Liabilities": "4.34",
"Deposits": "-18.7",
"Debt": "3.69",
"Expenses": "3.82",
"Revenues": "-4.85",
"Net Income": "1.58",
"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"
},
"2024": {
"Securities": "-0.478",
"Assets": "1.90",
"Liabilities": "-5.45",
"Stockholders Equity": "-3.41",
"Other Assets": "-2.74",
"Notes Receivable": "4.59",
"Loans": "-1.20",
"Cash and Cash Equivalents": "-1.86",
"Debt": "3.69",
"Other Liabilities": "5.06",
"Deposits": "-26.9",
"Expenses": "4.14",
"Revenues": "-5.68",
"Net Income": "1.51",
"General and Administrative Expense": "1.57",
"Operating Expenses": "3.69",
"Selling and Marketing Expense": "1.56",
"Other Revenues": "-5.68",
"ECR before LimitedLiability": "-1.65",
"Comprehensive Net Income": "1.69",
"Economic Capital Ratio": "-4.19"
},
"2025": {
"Other Assets": "-4.04",
"Assets": "2.07",
"Liabilities": "-3.32",
"Stockholders Equity": "-1.22",
"Loans": "-1.59",
"Cash and Cash Equivalents": "-1.89",
"Notes Receivable": "6.02",
"Deposits": "-19.6",
"Debt": "2.48",
"Other Liabilities": "5.46",
"Operating Expenses": "3.13",
"Expenses": "4.42",
"Revenues": "-4.48",
"Net Income": "2.06",
"Selling and Marketing Expense": "1.45",
"Other Expenses": "-0.958",
"Other Revenues": "-4.48",
"ECR before LimitedLiability": "1.47",
"Comprehensive Net Income": "2.26",
"Other Net Income": "2.64",
"Economic Capital Ratio": "-2.15"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001698022_strength_weakness.svg",
"table_records": {
"2017": {
"input_variables": {
"Cash and Cash Equivalents": "7,237",
"Debt": "0",
"Deposits": "319,796",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "181",
"Labor and Related Expense": "0",
"Loans": "332,534",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "63,133",
"Other Compr. Net Income": "-49",
"Other Expenses": "2,002",
"Other Liabilities": "41,128",
"Other Net Income": "5,792",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "402,904",
"Liabilities": "361,106",
"Expenses": "2,002",
"Revenues": "0",
"Stockholders Equity": "41,799",
"Net Income": "3,789",
"Comprehensive Net Income": "3,740",
"BaseVar": "385,926",
"ECR before LimitedLiability": "6.5%",
"Economic Capital Ratio": "14%"
}
},
"2018": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "354,713",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "311",
"Labor and Related Expense": "0",
"Loans": "340,901",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "76,257",
"Other Compr. Net Income": "-185",
"Other Expenses": "1,106",
"Other Liabilities": "16,739",
"Other Net Income": "5,819",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "417,158",
"Liabilities": "371,763",
"Expenses": "1,106",
"Revenues": "0",
"Stockholders Equity": "45,395",
"Net Income": "4,713",
"Comprehensive Net Income": "4,528",
"BaseVar": "398,015",
"ECR before LimitedLiability": "6.9%",
"Economic Capital Ratio": "15%"
}
},
"2019": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "0",
"Deposits": "376,613",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "346",
"Labor and Related Expense": "0",
"Loans": "359,383",
"Notes Receivable": "0",
"Occupancy": "0",
"Operating Expenses": "0",
"Other Assets": "82,832",
"Other Compr. Net Income": "611",
"Other Expenses": "1,039",
"Other Liabilities": "15,802",
"Other Net Income": "5,600",
"Other Revenues": "0",
"Professional Fees": "0",
"Securities": "0",
"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%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "0",
"Debt": "12,036",
"Deposits": "720,459",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "1,278",
"Labor and Related Expense": "8,718",
"Loans": "0",
"Notes Receivable": "633,144",
"Occupancy": "1,169",
"Operating Expenses": "0",
"Other Assets": "238,814",
"Other Compr. Net Income": "3,779",
"Other Expenses": "9,277",
"Other Liabilities": "73,525",
"Other Net Income": "24,101",
"Other Revenues": "424",
"Professional Fees": "738",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "871,958",
"Liabilities": "807,298",
"Expenses": "19,902",
"Revenues": "424",
"Stockholders Equity": "64,660",
"Net Income": "4,623",
"Comprehensive Net Income": "8,402",
"BaseVar": "863,731",
"ECR before LimitedLiability": "4.9%",
"Economic Capital Ratio": "13%"
}
}
},
"top_rated": false,
"trend": 16.0,
"value": 0.12882824046572405,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001698022.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001698022.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001698022.svg"
},
{
"company_id": "0001391933",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001391933.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001391933_main_keyfigs.svg",
"name": "Quaint OAK Bancorp INC",
"rank": 38,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 7.2% points.The greatest weakness of Quaint OAK Bancorp 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 12%, being 2.9% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001391933_2026_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"
},
"2025": {
"Other Assets": "-8.53",
"Assets": "1.93",
"Liabilities": "-3.08",
"Stockholders Equity": "-1.15",
"Loans": "-1.67",
"Cash and Cash Equivalents": "1.32",
"Notes Receivable": "7.23",
"Deposits": "-23.8",
"Debt": "3.25",
"Other Liabilities": "5.48",
"Operating Expenses": "3.27",
"Expenses": "3.64",
"Revenues": "-4.67",
"Net Income": "1.53",
"Labor and Related Expense": "-1.04",
"Selling and Marketing Expense": "1.51",
"General and Administrative Expense": "0.784",
"Other Revenues": "-4.67",
"Economic Capital Ratio": "-2.93",
"Comprehensive Net Income": "1.32",
"Other Net Income": "3.35"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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": {
"Cash and Cash Equivalents": "33,913",
"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": {
"Cash and Cash Equivalents": "3,893",
"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": {
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"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",
"Occupancy": "2,481",
"Operating Expenses": "0",
"Other Assets": "88,642",
"Other Compr. Net Income": "364",
"Other Expenses": "7,156",
"Other Liabilities": "69,748",
"Other Net Income": "25,833",
"Other Revenues": "102",
"Professional Fees": "1,058",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "754,118",
"Liabilities": "702,553",
"Expenses": "31,668",
"Revenues": "102",
"Stockholders Equity": "51,565",
"Net Income": "-5,733",
"Comprehensive Net Income": "-5,369",
"BaseVar": "757,319",
"ECR before LimitedLiability": "2.8%",
"Economic Capital Ratio": "11%"
}
},
"2024": {
"input_variables": {
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"Debt": "0",
"Deposits": "553,252",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "937",
"Labor and Related Expense": "14,636",
"Loans": "0",
"Notes Receivable": "534,693",
"Occupancy": "1,418",
"Operating Expenses": "0",
"Other Assets": "87,486",
"Other Compr. Net Income": "10",
"Other Expenses": "5,385",
"Other Liabilities": "78,362",
"Other Net Income": "23,070",
"Other Revenues": "118",
"Professional Fees": "769",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "685,168",
"Liabilities": "632,551",
"Expenses": "22,208",
"Revenues": "118",
"Stockholders Equity": "52,617",
"Net Income": "980",
"Comprehensive Net Income": "990",
"BaseVar": "681,562",
"ECR before LimitedLiability": "4.1%",
"Economic Capital Ratio": "12%"
}
},
"2025": {
"input_variables": {
"Cash and Cash Equivalents": "53,547",
"Debt": "0",
"Deposits": "597,278",
"Depreciation and Amortization": "0",
"General and Administrative Expense": "0",
"Interest Expense": "0",
"Interest Payable": "1,086",
"Labor and Related Expense": "15,158",
"Loans": "0",
"Notes Receivable": "540,698",
"Occupancy": "1,799",
"Operating Expenses": "0",
"Other Assets": "81,608",
"Other Compr. Net Income": "3.0",
"Other Expenses": "4,718",
"Other Liabilities": "25,160",
"Other Net Income": "22,682",
"Other Revenues": "128",
"Professional Fees": "1,848",
"Securities": "0",
"Selling and Marketing Expense": "0"
},
"output_variables": {
"Assets": "675,853",
"Liabilities": "623,524",
"Expenses": "23,523",
"Revenues": "128",
"Stockholders Equity": "52,329",
"Net Income": "-713",
"Comprehensive Net Income": "-710",
"BaseVar": "672,856",
"ECR before LimitedLiability": "3.9%",
"Economic Capital Ratio": "12%"
}
}
},
"top_rated": false,
"trend": 12.0,
"value": 0.12096982632567299,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001391933.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001391933.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001391933.svg"
},
{
"company_id": "0000873860",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0000873860.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0000873860_main_keyfigs.svg",
"name": "Onity Group INC",
"rank": 39,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 11% points.The greatest weakness of Onity Group 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 12%, being 3.4% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0000873860_2026_Onity_Group_INC.pdf",
"shrinked_graph_json": {
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"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"
},
"2025": {
"Deposits": "6.87",
"Liabilities": "-2.99",
"Other Assets": "11.2",
"Stockholders Equity": "-2.80",
"Debt": "3.13",
"Other Liabilities": "-37.0",
"Operating Expenses": "3.13",
"Expenses": "3.15",
"Revenues": "0.442",
"Net Income": "2.87",
"Labor and Related Expense": "1.00",
"Selling and Marketing Expense": "1.59",
"General and Administrative Expense": "0.823",
"Other Expenses": "-2.84",
"Other Revenues": "0.442",
"Economic Capital Ratio": "-3.44",
"Loans": "-1.76",
"Cash and Cash Equivalents": "-1.90",
"Notes Receivable": "-13.9",
"Comprehensive Net Income": "2.63",
"Other Net Income": "-1.70"
}
},
"strength_weakness_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/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": {
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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": "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": {
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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": "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",
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"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 6.5% points.The greatest weakness of Federal Agricultural Mortgage CORP is the variable Debt, reducing the Economic Capital Ratio by 64% points.
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"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 10% points.The greatest weakness of Federal National Mortgage Association Fannie MAE is the variable Other Liabilities, reducing the Economic Capital Ratio by 39% points.
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{
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"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001026214.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/graphs/IME_0001026214.svg",
"logo_url": "https://www.realrate-archive.com/us_savings/logos/0001026214.svg",
"logo_url_256x256": "https://www.realrate-archive.com/us_savings/logos/0001026214_256x256.png",
"main_keyfigs_over_time_plot": "https://www.realrate-archive.com/us_savings/2025/plot_over_time/0001026214_main_keyfigs.svg",
"name": "Federal HOME LOAN Mortgage CORP",
"rank": 42,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 9.8% points.The greatest weakness of Federal HOME LOAN Mortgage 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 9.8%, being 5.3% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001026214_2026_Federal_HOME_LOAN_Mortgage_CORP.pdf",
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},
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},
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},
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},
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},
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},
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}
},
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"2016": {
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}
},
"2017": {
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}
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}
},
"2020": {
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},
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}
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}
},
"top_rated": false,
"trend": 18.0,
"value": 0.09758297837409613,
"company_index": "https://www.realrate-archive.com/us_savings/2025/industry_indexes/0001026214.svg",
"analysing_equity": "https://www.realrate-archive.com/us_savings/2025/analytics/equity/0001026214.svg",
"analysing_profit_loss": "https://www.realrate-archive.com/us_savings/2025/analytics/profit_loss/0001026214.svg"
},
{
"company_id": "0001828937",
"feature_distribution_plot": "https://www.realrate-archive.com/us_savings/2025/feature_distribution/feature_distribution_0001828937.svg",
"graph_url": "https://www.realrate-archive.com/us_savings/2025/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/2025/plot_over_time/0001828937_main_keyfigs.svg",
"name": "Finance of America Companies Inc",
"rank": 43,
"regression_plot": "https://www.realrate-archive.com/us_savings/2025/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 9.1% points.The greatest weakness of Finance of America Companies Inc 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 9.2%, being 5.8% points below the market average of 15%.",
"report_url": "https://www.realrate-archive.com/us_savings/2025/report/0001828937_2026_Finance_of_America_Companies_Inc.pdf",
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"Revenues": "-1.59",
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"Other Expenses": "0.527",
"Operating Expenses": "-3.50",
"Economic Capital Ratio": "-7.28"
},
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"Liabilities": "-6.56",
"Stockholders Equity": "-5.63",
"Deposits": "4.92",
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"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": {
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"Liabilities": "-7.62",
"Stockholders Equity": "-6.08",
"Other Liabilities": "-45.0",
"Deposits": "4.59",
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"Other Net Income": "-1.95",
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},
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"ECR before LimitedLiability": "-2.17",
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"Economic Capital Ratio": "-5.78"
}
},
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"table_records": {
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