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 3.32% is 15% above its 5-year average of 2.88%, near the low end of its 5-year range (2.30%–7.36%).
As of the fiscal period ended Tuesday, June 30, 2026. 3.63% below its 12-month average of 3.45%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 3.32%.
DEBT TO ASSETS RATIO
3.32%
DEBT TO ASSETS RATIO AVG TTM
3.45%
DEBT TO ASSETS RATIO AVG 3Y
2.82%
DEBT TO ASSETS RATIO AVG 5Y
2.88%
DEBT TO ASSETS RATIO AVG 10Y
6.35%
DEBT TO ASSETS RATIO AVG 15Y
6.35%
DEBT TO ASSETS RATIO AVG 20Y
7.47%
CURRENT VS TTM AVG
-3.63%
CURRENT VS 3Y AVG
+17.81%
CURRENT VS 5Y AVG
+15.50%
CURRENT VS 10Y AVG
-47.61%
CURRENT VS 15Y AVG
-47.66%
CURRENT VS 20Y AVG
-55.51%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+6548.61%
vs the sector median at left
CNB Financial Corporation
Market Cap
$1.02B
Debt to Assets Ratio
3.32%
TTM Avg
3.45%
3Y Avg
2.82%
5Y Avg
2.88%
Market Cap
$1.02B
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.02B
Debt to Assets Ratio
0.10%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.01B
Debt to Assets Ratio
0.10%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.00B
Debt to Assets Ratio
0.07%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.00B
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.00B
Debt to Assets Ratio
0.09%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.04B
Debt to Assets Ratio
0.50%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| CNB Financial Corporation (CCNEP) | $1.02B | 3.32% | 3.45% | 2.82% | 2.88% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.02B | 0.00% | N/A | N/A | N/A |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 0.10% | N/A | N/A | N/A |
| OceanFirst Financial Corp. (OCFC)vs › | $1.01B | 0.10% | N/A | N/A | N/A |
| Business First Bancshares, Inc. (BFST)vs › | $1.00B | 0.07% | N/A | N/A | N/A |
| CNB Financial Corporation (CCNE)vs › | $1.00B | 0.03% | N/A | N/A | N/A |
| MetroCity Bankshares, Inc. (MCBS)vs › | $1.00B | 0.09% | N/A | N/A | N/A |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.04B | 0.50% | N/A | N/A | N/A |
| Northeast Bank (NBN)vs › | $1.04B | 0.16% | N/A | N/A | N/A |
| Horizon Bancorp, Inc. (HBNC)vs › | $990.92M | 0.06% | N/A | N/A | N/A |
Debt/Assets
3.3%
Debt/Equity
0.31
Current ratio and interest coverage is unavailable for CNB 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 | 3.32% |
| 2026-03-31 | 3.88% |
| 2025-12-31 | 3.73% |
| 2025-09-30 | 4.01% |
| 2025-06-30 | 2.30% |
| 2025-03-31 | 2.31% |
| 2024-12-31 | 2.35% |
| 2024-09-30 | 2.41% |
| 2024-06-30 | 2.42% |
| 2024-03-31 | 2.46% |
| 2023-12-31 | 2.48% |
| 2023-09-30 | 2.49% |
| 2023-06-30 | 2.52% |
| 2023-03-31 | 4.35% |
| 2022-12-31 | 7.36% |
| 2022-09-30 | 2.52% |
| 2022-06-30 | 2.48% |
| 2022-03-31 | 2.49% |
| 2021-12-31 | 2.35% |
| 2021-09-30 | 3.34% |
| 2021-06-30 | 3.36% |
| 2021-03-31 | 1.83% |
| 2020-12-31 | 1.90% |
| 2020-09-30 | 5.46% |
| 2020-06-30 | 11.32% |
| 2020-03-31 | 8.35% |
| 2019-12-31 | 8.45% |
| 2019-09-30 | 9.50% |
| 2019-06-30 | 10.18% |
| 2019-03-31 | 9.97% |
| 2018-12-31 | 9.80% |
| 2018-09-30 | 10.32% |
| 2018-06-30 | 10.91% |
| 2018-03-31 | 14.68% |
| 2017-12-31 | 11.85% |
| 2017-09-30 | 15.04% |
| 2017-06-30 | 12.45% |
| 2017-03-31 | 11.56% |
| 2016-12-31 | 11.95% |
| 2016-09-30 | 10.86% |
| 2016-06-30 | 8.83% |
| 2016-03-31 | 7.68% |
| 2015-12-31 | 10.55% |
| 2015-09-30 | 8.26% |
| 2015-06-30 | 7.64% |
| 2015-03-31 | 4.42% |
| 2014-12-31 | 6.04% |
| 2014-09-30 | 4.81% |
| 2014-06-30 | 4.93% |
| 2014-03-31 | 5.24% |
| 2013-12-31 | 5.09% |
| 2013-09-30 | 7.82% |
| 2013-06-30 | 6.69% |
| 2013-03-31 | 5.29% |
| 2012-12-31 | 6.68% |
| 2012-09-30 | 5.45% |
| 2012-06-30 | 5.97% |
| 2012-03-31 | 5.63% |
| 2011-12-31 | 5.93% |
| 2011-09-30 | 6.22% |
| 2011-06-30 | 6.95% |
| 2011-03-31 | 8.84% |
| 2010-12-31 | 8.99% |
| 2010-09-30 | 8.57% |
| 2010-06-30 | 7.99% |
| 2010-03-31 | 9.82% |
| 2009-12-31 | 10.50% |
| 2009-09-30 | 11.17% |
| 2009-06-30 | 12.36% |
| 2009-03-31 | 12.56% |
| 2008-12-31 | 12.67% |
| 2008-09-30 | 12.80% |
| 2008-06-30 | 12.70% |
| 2008-03-31 | 13.51% |
| 2007-12-31 | 14.09% |
| 2007-09-30 | 12.70% |
| 2007-06-30 | 11.60% |
| 2007-03-31 | 8.55% |
| 2006-12-31 | 8.99% |
| 2006-09-30 | 9.33% |
| 2006-06-30 | 10.06% |
| 2006-03-31 | 8.94% |
| 2005-12-31 | 9.24% |
| 2005-09-30 | 9.59% |
| 2005-06-30 | 9.48% |
| 2005-03-31 | 7.16% |
| 2004-12-31 | 7.21% |
| 2004-09-30 | 7.38% |
| 2004-06-30 | 7.64% |
| 2004-03-31 | 7.30% |
| 2003-12-31 | 7.36% |
| 2003-09-30 | 7.43% |
| 2003-06-30 | 7.37% |
| 2003-03-31 | 6.15% |
| 2002-12-31 | 7.78% |
| 2002-09-30 | 7.87% |
