Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 7.48% is 303% above its 5-year average of 1.85%, near the high end of its 5-year range (0.64%–7.48%).
As of the fiscal period ended Tuesday, June 30, 2026. 263.48% above its 12-month average of 2.06%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 7.48%.
DEBT TO ASSETS RATIO
7.48%
DEBT TO ASSETS RATIO AVG TTM
2.06%
DEBT TO ASSETS RATIO AVG 3Y
1.70%
DEBT TO ASSETS RATIO AVG 5Y
1.85%
DEBT TO ASSETS RATIO AVG 10Y
4.99%
DEBT TO ASSETS RATIO AVG 15Y
5.00%
DEBT TO ASSETS RATIO AVG 20Y
7.28%
CURRENT VS TTM AVG
+263.48%
CURRENT VS 3Y AVG
+339.62%
CURRENT VS 5Y AVG
+303.16%
CURRENT VS 10Y AVG
+49.84%
CURRENT VS 15Y AVG
+49.49%
CURRENT VS 20Y AVG
+2.69%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 464 covered companies
CURRENT VS SECTOR MEDIAN
+14850.92%
vs the sector median at left
Arrow Financial Corporation
Market Cap
$625.04M
Debt to Assets Ratio
7.48%
TTM Avg
2.06%
3Y Avg
1.70%
5Y Avg
1.85%
Market Cap
$626.27M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$618.54M
Debt to Assets Ratio
0.31%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$618.04M
Debt to Assets Ratio
0.44%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$635.18M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$635.68M
Debt to Assets Ratio
0.36%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$637.29M
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$606.99M
Debt to Assets Ratio
0.20%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Arrow Financial Corporation (AROW) | $625.04M | 7.48% | 2.06% | 1.70% | 1.85% |
| Coastal Financial Corporation (CCB)vs › | $626.27M | 0.01% | N/A | N/A | N/A |
| Hypoport SE (HYPOF)vs › | $630.67M | 0.24% | N/A | N/A | N/A |
| Hingham Institution for Savings (HIFS)vs › | $618.54M | 0.31% | N/A | N/A | N/A |
| Gladstone Investment Corp. (GAIN)vs › | $618.04M | 0.44% | N/A | N/A | N/A |
| CoinShares PLC Ordinary Shares (CSHR)vs › | $635.18M | 0.00% | N/A | N/A | N/A |
| BlackRock Multi-Sector Income Trust (BIT)vs › | $635.68M | 0.36% | N/A | N/A | N/A |
| American Bitcoin Corp (ABTC)vs › | $637.29M | 0.06% | N/A | N/A | N/A |
| Forward Industries, Inc. (FWDI)vs › | $606.99M | 0.20% | N/A | N/A | N/A |
| Drugs Made In America Acquisition II Corp. Ordinary Shares (DMII)vs › | $649.10M | 0.00% | N/A | N/A | N/A |
Debt/Assets
7.5%
Debt/Equity
0.75
Current ratio and interest coverage is unavailable for Arrow Financial Corporation: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 7.48% |
| 2026-03-31 | 0.75% |
| 2025-12-31 | 0.66% |
| 2025-09-30 | 0.64% |
| 2025-06-30 | 0.76% |
| 2025-03-31 | 0.75% |
| 2024-12-31 | 0.78% |
| 2024-09-30 | 0.76% |
| 2024-06-30 | 0.74% |
| 2024-03-31 | 3.04% |
| 2023-12-31 | 1.72% |
| 2023-09-30 | 4.67% |
| 2023-06-30 | 5.14% |
| 2023-03-31 | 4.93% |
| 2022-12-31 | 2.69% |
| 2022-09-30 | 1.18% |
| 2022-06-30 | 1.26% |
| 2022-03-31 | 1.21% |
| 2021-12-31 | 1.74% |
| 2021-09-30 | 1.78% |
| 2021-06-30 | 1.88% |
| 2021-03-31 | 1.97% |
| 2020-12-31 | 2.38% |
| 2020-09-30 | 3.95% |
| 2020-06-30 | 3.46% |
| 2020-03-31 | 4.05% |
| 2019-12-31 | 11.51% |
| 2019-09-30 | 7.20% |
| 2019-06-30 | 9.06% |
| 2019-03-31 | 8.89% |
| 2018-12-31 | 19.67% |
| 2018-09-30 | 13.19% |
| 2018-06-30 | 13.96% |
| 2018-03-31 | 4.95% |
| 2017-12-31 | 12.68% |
| 2017-09-30 | 7.38% |
| 2017-06-30 | 13.22% |
| 2017-03-31 | 6.44% |
| 2016-12-31 | 13.70% |
| 2016-09-30 | 4.40% |
| 2016-06-30 | 12.62% |
| 2016-03-31 | 4.85% |
| 2015-12-31 | 10.72% |
| 2015-09-30 | 4.11% |
| 2015-06-30 | 6.78% |
| 2015-03-31 | 3.68% |
| 2014-12-31 | 4.08% |
| 2014-09-30 | 2.25% |
| 2014-06-30 | 4.41% |
| 2014-03-31 | 2.42% |
| 2013-12-31 | 5.39% |
| 2013-09-30 | 2.60% |
| 2013-06-30 | 6.95% |
| 2013-03-31 | 2.94% |
| 2012-12-31 | 5.97% |
| 2012-09-30 | 3.33% |
| 2012-06-30 | 3.36% |
| 2012-03-31 | 3.30% |
| 2011-12-31 | 8.68% |
| 2011-09-30 | 5.62% |
| 2011-06-30 | 9.07% |
| 2011-03-31 | 9.57% |
| 2010-12-31 | 10.65% |
| 2010-09-30 | 12.20% |
| 2010-06-30 | 12.59% |
| 2010-03-31 | 12.06% |
| 2009-12-31 | 12.70% |
| 2009-09-30 | 13.19% |
| 2009-06-30 | 14.44% |
| 2009-03-31 | 13.72% |
| 2008-12-31 | 14.41% |
| 2008-09-30 | 15.01% |
| 2008-06-30 | 14.45% |
| 2008-03-31 | 14.72% |
| 2007-12-31 | 14.75% |
| 2007-09-30 | 13.87% |
| 2007-06-30 | 12.92% |
| 2007-03-31 | 13.04% |
| 2006-12-31 | 15.85% |
| 2006-09-30 | 14.46% |
| 2006-06-30 | 15.35% |
| 2006-03-31 | 13.52% |
| 2005-12-31 | 14.48% |
| 2005-09-30 | 14.22% |
| 2005-06-30 | 14.85% |
| 2005-03-31 | 15.65% |
| 2004-12-31 | 15.53% |
| 2004-09-30 | 14.79% |
| 2004-06-30 | 15.94% |
| 2004-03-31 | 14.58% |
| 2003-12-31 | 14.99% |
| 2003-09-30 | 15.51% |
| 2003-06-30 | 15.35% |
| 2003-03-31 | 13.89% |
| 2002-12-31 | 15.61% |
| 2002-09-30 | 15.81% |
