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 5.32% is 42% below its 5-year average of 9.24%, near the low end of its 5-year range (4.33%–17.68%).
As of the fiscal period ended Tuesday, June 30, 2026. 30.19% below its 12-month average of 7.62%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 5.32%.
DEBT TO ASSETS RATIO
5.32%
DEBT TO ASSETS RATIO AVG TTM
7.62%
DEBT TO ASSETS RATIO AVG 3Y
10.16%
DEBT TO ASSETS RATIO AVG 5Y
9.24%
DEBT TO ASSETS RATIO AVG 10Y
8.70%
DEBT TO ASSETS RATIO AVG 15Y
8.07%
DEBT TO ASSETS RATIO AVG 20Y
9.55%
CURRENT VS TTM AVG
-30.19%
CURRENT VS 3Y AVG
-47.64%
CURRENT VS 5Y AVG
-42.46%
CURRENT VS 10Y AVG
-38.89%
CURRENT VS 15Y AVG
-34.11%
CURRENT VS 20Y AVG
-44.34%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+10536.34%
vs the sector median at left
Civista Bancshares, Inc.
Market Cap
$555.12M
Debt to Assets Ratio
5.32%
TTM Avg
7.62%
3Y Avg
10.16%
5Y Avg
9.24%
Market Cap
$554.79M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$554.56M
Debt to Assets Ratio
0.10%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$553.62M
Debt to Assets Ratio
0.02%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$560.55M
Debt to Assets Ratio
0.08%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$548.33M
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$564.90M
Debt to Assets Ratio
0.43%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$544.56M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Civista Bancshares, Inc. (CIVB) | $555.12M | 5.32% | 7.62% | 10.16% | 9.24% |
| Community West Bancshares (CWBC)vs › | $554.79M | 0.05% | N/A | N/A | N/A |
| Unity Bancorp, Inc. (UNTY)vs › | $554.56M | 0.10% | N/A | N/A | N/A |
| Stewards Inc. (SWRD)vs › | $554.12M | N/A | N/A | N/A | N/A |
| Investors Title Company (ITIC)vs › | $553.62M | 0.02% | N/A | N/A | N/A |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 0.08% | N/A | N/A | N/A |
| Northrim BanCorp, Inc. (NRIM)vs › | $548.33M | 0.03% | N/A | N/A | N/A |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $564.90M | 0.43% | N/A | N/A | N/A |
| Donegal Group Inc. (DGICB)vs › | $544.56M | 0.01% | N/A | N/A | N/A |
| Bridgewater Bancshares, Inc. (BWB)vs › | $567.99M | 0.08% | N/A | N/A | N/A |
Debt/Assets
5.3%
Debt/Equity
0.40
Current ratio and interest coverage is unavailable for Civista Bancshares, Inc.: 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 | 5.32% |
| 2026-03-31 | 4.90% |
| 2025-12-31 | 6.55% |
| 2025-09-30 | 8.31% |
| 2025-06-30 | 13.00% |
| 2025-03-31 | 11.37% |
| 2024-12-31 | 11.00% |
| 2024-09-30 | 9.82% |
| 2024-06-30 | 15.29% |
| 2024-03-31 | 12.44% |
| 2023-12-31 | 11.76% |
| 2023-09-30 | 14.75% |
| 2023-06-30 | 7.50% |
| 2023-03-31 | 9.73% |
| 2022-12-31 | 17.68% |
| 2022-09-30 | 5.81% |
| 2022-06-30 | 6.95% |
| 2022-03-31 | 6.36% |
| 2021-12-31 | 6.78% |
| 2021-09-30 | 4.33% |
| 2021-06-30 | 4.42% |
| 2021-03-31 | 6.02% |
| 2020-12-31 | 6.62% |
| 2020-09-30 | 6.40% |
| 2020-06-30 | 6.33% |
| 2020-03-31 | 7.54% |
| 2019-12-31 | 11.89% |
| 2019-09-30 | 12.37% |
| 2019-06-30 | 10.04% |
| 2019-03-31 | 7.84% |
| 2018-12-31 | 11.46% |
| 2018-09-30 | 9.26% |
| 2018-06-30 | 12.91% |
| 2018-03-31 | 6.68% |
| 2017-12-31 | 8.07% |
| 2017-09-30 | 6.77% |
| 2017-06-30 | 7.21% |
| 2017-03-31 | 4.34% |
| 2016-12-31 | 7.76% |
| 2016-09-30 | 6.28% |
| 2016-06-30 | 6.95% |
| 2016-03-31 | 4.72% |
| 2015-12-31 | 9.56% |
| 2015-09-30 | 9.33% |
| 2015-06-30 | 7.76% |
| 2015-03-31 | 4.86% |
| 2014-12-31 | 9.58% |
| 2014-09-30 | 6.41% |
| 2014-06-30 | 7.16% |
| 2014-03-31 | 6.80% |
| 2013-12-31 | 7.47% |
| 2013-09-30 | 7.66% |
| 2013-06-30 | 7.79% |
| 2013-03-31 | 7.65% |
| 2012-12-31 | 8.17% |
| 2012-09-30 | 8.04% |
| 2012-06-30 | 8.64% |
| 2012-03-31 | 8.78% |
| 2011-12-31 | 8.87% |
| 2011-09-30 | 10.60% |
| 2011-06-30 | 9.23% |
| 2011-03-31 | 9.17% |
| 2010-12-31 | 9.41% |
| 2010-09-30 | 9.24% |
| 2010-06-30 | 10.40% |
| 2010-03-31 | 10.46% |
| 2009-12-31 | 12.61% |
| 2009-09-30 | 12.47% |
| 2009-06-30 | 10.69% |
| 2009-03-31 | 11.00% |
| 2008-12-31 | 14.71% |
| 2008-09-30 | 17.75% |
| 2008-06-30 | 16.18% |
| 2008-03-31 | 13.20% |
| 2007-12-31 | 12.96% |
| 2007-09-30 | 17.66% |
| 2007-06-30 | 17.89% |
| 2007-03-31 | 13.51% |
| 2006-12-31 | 12.92% |
| 2006-09-30 | 12.51% |
| 2006-06-30 | 13.26% |
| 2006-03-31 | 10.71% |
| 2005-12-31 | 10.84% |
| 2005-09-30 | 10.97% |
| 2005-06-30 | 9.90% |
| 2005-03-31 | 9.95% |
| 2004-12-31 | 9.58% |
| 2004-09-30 | 13.10% |
| 2004-06-30 | 11.07% |
| 2004-03-31 | 10.06% |
| 2003-12-31 | 8.41% |
| 2003-09-30 | 4.64% |
| 2003-06-30 | 7.30% |
| 2003-03-31 | 4.18% |
| 2002-12-31 | 5.63% |
| 2002-09-30 | 5.09% |
