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 7.71% is 40% above its 5-year average of 5.49%, near the high end of its 5-year range (0.27%–9.36%).
As of the fiscal period ended Tuesday, June 30, 2026. 22.02% above its 12-month average of 6.32%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 7.71%.
DEBT TO ASSETS RATIO
7.71%
DEBT TO ASSETS RATIO AVG TTM
6.32%
DEBT TO ASSETS RATIO AVG 3Y
7.43%
DEBT TO ASSETS RATIO AVG 5Y
5.49%
DEBT TO ASSETS RATIO AVG 10Y
4.29%
DEBT TO ASSETS RATIO AVG 15Y
4.87%
DEBT TO ASSETS RATIO AVG 20Y
6.05%
CURRENT VS TTM AVG
+22.02%
CURRENT VS 3Y AVG
+3.74%
CURRENT VS 5Y AVG
+40.38%
CURRENT VS 10Y AVG
+79.57%
CURRENT VS 15Y AVG
+58.15%
CURRENT VS 20Y AVG
+27.33%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 678 covered companies
CURRENT VS SECTOR MEDIAN
+15314.16%
vs the sector median at left
ChoiceOne Financial Services, Inc.
Market Cap
$495.33M
Debt to Assets Ratio
7.71%
TTM Avg
6.32%
3Y Avg
7.43%
5Y Avg
5.49%
Market Cap
$495.99M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$492.95M
Debt to Assets Ratio
0.19%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$491.11M
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$490.86M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$505.61M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$509.08M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$473.69M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$472.59M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| ChoiceOne Financial Services, Inc. (COFS) | $495.33M | 7.71% | 6.32% | 7.43% | 5.49% |
| Private Bancorp of America, Inc. (PBAM)vs › | $495.99M | 0.01% | N/A | N/A | N/A |
| Ponce Financial Group, Inc. (PDLB)vs › | $492.95M | 0.19% | N/A | N/A | N/A |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $491.11M | 0.06% | N/A | N/A | N/A |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $490.86M | 0.00% | N/A | N/A | N/A |
| Orange County Bancorp, Inc. (OBT)vs › | $505.61M | 0.01% | N/A | N/A | N/A |
| Churchill Capital Corp XI (CCXI)vs › | $509.08M | 0.00% | N/A | N/A | N/A |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $473.69M | 0.00% | N/A | N/A | N/A |
| Gores Holdings X, Inc. (GTEN)vs › | $472.59M | 0.00% | N/A | N/A | N/A |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $471.39M | 0.00% | N/A | N/A | N/A |
Debt/Assets
7.7%
Debt/Equity
0.71
Current ratio and interest coverage is unavailable for ChoiceOne Financial Services, 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 | 7.71% |
| 2026-03-31 | 5.31% |
| 2025-12-31 | 7.11% |
| 2025-09-30 | 5.73% |
| 2025-06-30 | 5.72% |
| 2025-03-31 | 4.31% |
| 2024-12-31 | 7.74% |
| 2024-09-30 | 9.01% |
| 2024-06-30 | 9.36% |
| 2024-03-31 | 9.19% |
| 2023-12-31 | 9.14% |
| 2023-09-30 | 8.37% |
| 2023-06-30 | 7.87% |
| 2023-03-31 | 4.99% |
| 2022-12-31 | 3.57% |
| 2022-09-30 | 1.49% |
| 2022-06-30 | 1.79% |
| 2022-03-31 | 1.48% |
| 2021-12-31 | 3.59% |
| 2021-09-30 | 1.54% |
| 2021-06-30 | 0.27% |
| 2021-03-31 | 0.32% |
| 2020-12-31 | 0.65% |
| 2020-09-30 | 0.72% |
| 2020-06-30 | 0.66% |
| 2020-03-31 | 1.66% |
| 2019-12-31 | 2.40% |
| 2019-09-30 | 0.03% |
| 2019-06-30 | 1.10% |
| 2019-03-31 | 3.02% |
| 2018-12-31 | 1.50% |
| 2018-09-30 | 3.94% |
| 2018-06-30 | 3.84% |
| 2018-03-31 | 2.04% |
| 2017-12-31 | 4.24% |
| 2017-09-30 | 5.72% |
| 2017-06-30 | 4.22% |
| 2017-03-31 | 5.31% |
| 2016-12-31 | 3.33% |
| 2016-09-30 | 7.41% |
| 2016-06-30 | 8.59% |
| 2016-03-31 | 4.28% |
| 2015-12-31 | 3.66% |
| 2015-09-30 | 2.71% |
| 2015-06-30 | 9.67% |
| 2015-03-31 | 7.74% |
| 2014-12-31 | 8.21% |
| 2014-09-30 | 7.91% |
| 2014-06-30 | 6.91% |
| 2014-03-31 | 5.13% |
| 2013-12-31 | 6.30% |
| 2013-09-30 | 5.74% |
| 2013-06-30 | 6.32% |
| 2013-03-31 | 3.68% |
| 2012-12-31 | 3.93% |
| 2012-09-30 | 5.03% |
| 2012-06-30 | 6.06% |
| 2012-03-31 | 5.45% |
| 2011-12-31 | 10.52% |
| 2011-09-30 | 5.74% |
| 2011-06-30 | 6.30% |
| 2011-03-31 | 1.72% |
| 2010-12-31 | 6.39% |
| 2010-09-30 | 7.24% |
| 2010-06-30 | 7.54% |
| 2010-03-31 | 7.79% |
| 2009-12-31 | 9.16% |
| 2009-09-30 | 8.63% |
| 2009-06-30 | 10.70% |
| 2009-03-31 | 9.58% |
| 2008-12-31 | 16.73% |
| 2008-09-30 | 13.87% |
| 2008-06-30 | 13.15% |
| 2008-03-31 | 12.14% |
| 2007-12-31 | 12.26% |
| 2007-09-30 | 10.67% |
| 2007-06-30 | 11.25% |
| 2007-03-31 | 8.73% |
| 2006-12-31 | 8.44% |
| 2006-09-30 | 12.32% |
| 2006-06-30 | 15.39% |
| 2006-03-31 | 13.20% |
| 2005-12-31 | 17.04% |
| 2005-09-30 | 17.23% |
| 2005-06-30 | 18.93% |
| 2005-03-31 | 18.51% |
| 2004-12-31 | 18.02% |
| 2004-09-30 | 17.87% |
| 2004-06-30 | 20.84% |
| 2004-03-31 | 19.95% |
| 2003-12-31 | 21.78% |
| 2003-09-30 | 17.10% |
| 2003-06-30 | 17.58% |
| 2003-03-31 | 17.96% |
| 2002-12-31 | 18.21% |
| 2002-09-30 | 23.28% |
