SI
Bank Universe

Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).

Credito Agricola

CADEP
Portugal · EuropeRegulated by ECBLatest: 2025-Q4
41MED

CET1 Ratio

19.20%

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$9.2B

+1.10% QoQ growth

Total Loan Book

$21.7B

+3.8% YoY growth

Leverage Ratio

6.90%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q4

Comm. Real Estate20.0%
Consumer17.0%
SME / C&I44.0%
Other19.0%

Metric History

12 quarters · FDIC Call Report data

QuarterCET1 %Leverage %RWALoan BookLoans YoYRWA QoQCRE %Consumer %SME %SRT Score
2025-Q4latest19.20%6.90%$9.2B$21.7B+3.8%+1.10%20.0%17.0%44.0%41
2025-Q319.00%6.80%$9.1B$21.5B+2.9%+1.10%20.0%17.0%44.0%33
2025-Q218.80%6.70%$9.0B$21.3B+1.9%+1.10%20.0%17.0%44.0%33
2025-Q118.60%6.60%$8.9B$21.1B+1.0%+1.10%20.0%17.0%44.0%29
2024-Q418.40%6.50%$8.8B$20.9B+3.9%+1.10%20.0%17.0%44.0%24
2024-Q318.60%6.60%$8.7B$20.7B+4.0%+1.20%20.0%17.0%44.0%12
2024-Q218.80%6.70%$8.6B$20.5B+4.1%+1.20%20.0%17.0%43.0%12
2024-Q119.00%6.80%$8.5B$20.3B+4.6%+1.20%20.0%16.0%43.0%12
2023-Q419.20%6.90%$8.4B$20.1B+5.2%+1.20%20.0%16.0%43.0%15
2023-Q319.40%7.00%$8.3B$19.9B+5.1%+1.20%20.0%16.0%43.0%15
2023-Q219.60%7.10%$8.2B$19.7B+5.0%+1.20%20.0%16.0%42.0%12
2023-Q119.80%7.20%$8.1B$19.4B+4.8%+0.30%20.0%16.0%42.0%10

AI Investment Memo

Llama will analyze Credito Agricola across 4 data dimensions and write a structured memo

Score: 41/100·Model: llama-3.3-70b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

41/100 —MEDIUM

Live score · base 39 pts +2 macro adj

Capital Pressure0/40

CET1 19.20% — well above management threshold

+0

-7.20pp headroom above 8% regulatory floor

+0

Leverage ratio 6.90% — adequate headroom

+0
Loan Book Growth7/30

Loan book grew 3.8% YoY

+0

RWA grew 1.1% QoQ

+4

CRE: 20%, Lev.Loans: 0%, max(Consumer/SME): 44%

+3
Historical SRT25/25

Bank has previously issued SRT transactions

+15

20 months since last SRT deal — likely planning next transaction

+10
Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

+7
Small Bank

<$50B total assets — typically too small for SRT market access

-8
Europe regional bonus+8
Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood41/100