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 5.40% is in line with its 5-year average of 5.44%, near the low end of its 5-year range (4.79%–8.06%).
As of the fiscal period ended Tuesday, June 30, 2026. 0.58% below its 12-month average of 5.43%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 5.40%.
DEBT TO ASSETS RATIO
5.40%
DEBT TO ASSETS RATIO AVG TTM
5.43%
DEBT TO ASSETS RATIO AVG 3Y
5.39%
DEBT TO ASSETS RATIO AVG 5Y
5.44%
DEBT TO ASSETS RATIO AVG 10Y
6.76%
DEBT TO ASSETS RATIO AVG 15Y
7.35%
DEBT TO ASSETS RATIO AVG 20Y
7.81%
CURRENT VS TTM AVG
-0.58%
CURRENT VS 3Y AVG
+0.21%
CURRENT VS 5Y AVG
-0.74%
CURRENT VS 10Y AVG
-20.08%
CURRENT VS 15Y AVG
-26.49%
CURRENT VS 20Y AVG
-30.82%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 680 covered companies
CURRENT VS SECTOR MEDIAN
+10703.32%
vs the sector median at left
Community Trust Bancorp, Inc.
Market Cap
$1.38B
Debt to Assets Ratio
5.40%
TTM Avg
5.43%
3Y Avg
5.39%
5Y Avg
5.44%
Market Cap
$1.40B
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.41B
Debt to Assets Ratio
0.84%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.43B
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.33B
Debt to Assets Ratio
0.08%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.32B
Debt to Assets Ratio
0.07%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.45B
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.47B
Debt to Assets Ratio
0.21%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Community Trust Bancorp, Inc. (CTBI) | $1.38B | 5.40% | 5.43% | 5.39% | 5.44% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 0.06% | N/A | N/A | N/A |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.41B | 0.84% | N/A | N/A | N/A |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 0.01% | N/A | N/A | N/A |
| Peoples Bancorp Inc. (PEBO)vs › | $1.33B | 0.08% | N/A | N/A | N/A |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 0.07% | N/A | N/A | N/A |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 0.02% | N/A | N/A | N/A |
| Lakeland Financial Corporation (LKFN)vs › | $1.45B | 0.01% | N/A | N/A | N/A |
| Capital Southwest Corporation (CSWC)vs › | $1.47B | 0.21% | N/A | N/A | N/A |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 0.07% | N/A | N/A | N/A |
Debt/Assets
5.4%
Debt/Equity
0.42
Current ratio and interest coverage is unavailable for Community Trust Bancorp, 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 | 5.40% |
| 2026-03-31 | 5.63% |
| 2025-12-31 | 5.83% |
| 2025-09-30 | 5.52% |
| 2025-06-30 | 4.79% |
| 2025-03-31 | 5.22% |
| 2024-12-31 | 5.17% |
| 2024-09-30 | 5.26% |
| 2024-06-30 | 5.31% |
| 2024-03-31 | 5.40% |
| 2023-12-31 | 5.32% |
| 2023-09-30 | 5.58% |
| 2023-06-30 | 5.64% |
| 2023-03-31 | 5.27% |
| 2022-12-31 | 5.42% |
| 2022-09-30 | 5.51% |
| 2022-06-30 | 5.69% |
| 2022-03-31 | 5.99% |
| 2021-12-31 | 6.33% |
| 2021-09-30 | 6.76% |
| 2021-06-30 | 8.06% |
| 2021-03-31 | 7.96% |
| 2020-12-31 | 8.34% |
| 2020-09-30 | 8.82% |
| 2020-06-30 | 7.36% |
| 2020-03-31 | 7.24% |
| 2019-12-31 | 7.06% |
| 2019-09-30 | 7.11% |
| 2019-06-30 | 7.14% |
| 2019-03-31 | 7.30% |
| 2018-12-31 | 6.99% |
| 2018-09-30 | 7.49% |
| 2018-06-30 | 7.54% |
| 2018-03-31 | 7.44% |
| 2017-12-31 | 7.53% |
| 2017-09-30 | 9.15% |
| 2017-06-30 | 10.41% |
| 2017-03-31 | 8.21% |
| 2016-12-31 | 8.09% |
| 2016-09-30 | 8.43% |
| 2016-07-28 | 8.42% |
| 2016-03-31 | 8.44% |
| 2015-12-31 | 10.69% |
| 2015-09-30 | 8.61% |
| 2015-06-30 | 9.72% |
| 2015-03-31 | 8.49% |
| 2014-12-31 | 9.90% |
| 2014-09-30 | 8.00% |
| 2014-08-01 | 8.10% |
| 2014-03-31 | 7.88% |
| 2013-12-31 | 7.91% |
| 2013-09-30 | 8.82% |
| 2013-06-30 | 7.74% |
| 2013-03-31 | 7.94% |
| 2012-12-31 | 7.84% |
| 2012-09-30 | 7.97% |
| 2012-06-30 | 7.50% |
| 2012-03-31 | 8.41% |
| 2011-12-31 | 9.09% |
| 2011-09-30 | 9.23% |
| 2011-06-30 | 8.86% |
| 2011-03-31 | 8.45% |
| 2010-12-31 | 8.36% |
| 2010-09-30 | 8.73% |
| 2010-06-30 | 8.51% |
| 2010-03-31 | 9.02% |
| 2009-12-31 | 8.90% |
| 2009-09-30 | 9.03% |
| 2009-06-30 | 9.69% |
| 2009-03-31 | 9.84% |
| 2008-12-31 | 9.85% |
| 2008-09-30 | 9.78% |
| 2008-06-30 | 9.12% |
| 2008-03-31 | 8.93% |
| 2007-12-31 | 9.63% |
| 2007-09-30 | 9.03% |
| 2007-06-30 | 10.41% |
| 2007-03-31 | 12.52% |
| 2006-12-31 | 10.78% |
| 2006-09-30 | 10.60% |
| 2006-06-30 | 13.00% |
| 2006-03-31 | 12.66% |
| 2005-12-31 | 15.92% |
| 2005-09-30 | 10.94% |
| 2005-06-30 | 12.33% |
| 2005-03-31 | 12.35% |
| 2004-12-31 | 11.61% |
| 2004-09-30 | 12.84% |
| 2004-06-30 | 6.11% |
| 2004-03-31 | 6.48% |
| 2003-12-31 | 6.79% |
| 2003-09-30 | 6.26% |
| 2003-06-30 | 5.81% |
| 2003-03-31 | 5.23% |
| 2002-12-31 | 5.41% |
| 2002-09-30 | 5.12% |
