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 2.86% is 60% below its 5-year average of 7.19%, near the low end of its 5-year range (2.71%–13.43%).
As of the fiscal period ended Tuesday, June 30, 2026. 4.14% below its 12-month average of 2.98%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 2.86%.
DEBT TO ASSETS RATIO
2.86%
DEBT TO ASSETS RATIO AVG TTM
2.98%
DEBT TO ASSETS RATIO AVG 3Y
4.64%
DEBT TO ASSETS RATIO AVG 5Y
7.19%
DEBT TO ASSETS RATIO AVG 10Y
9.76%
DEBT TO ASSETS RATIO AVG 15Y
10.20%
DEBT TO ASSETS RATIO AVG 20Y
12.82%
CURRENT VS TTM AVG
-4.14%
CURRENT VS 3Y AVG
-38.39%
CURRENT VS 5Y AVG
-60.22%
CURRENT VS 10Y AVG
-70.70%
CURRENT VS 15Y AVG
-71.96%
CURRENT VS 20Y AVG
-77.69%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 498 covered companies
CURRENT VS SECTOR MEDIAN
+5619.53%
vs the sector median at left
Citizens Community Bancorp, Inc.
Market Cap
$204.55M
Debt to Assets Ratio
2.86%
TTM Avg
2.98%
3Y Avg
4.64%
5Y Avg
7.19%
Market Cap
$206.47M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$203.45M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$206.74M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$207.25M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$202.76M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$208.52M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$200.74M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$199.38M
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 |
|---|---|---|---|---|---|
| Citizens Community Bancorp, Inc. (CZWI) | $204.55M | 2.86% | 2.98% | 4.64% | 7.19% |
| Astoria US Equal Weight Quality Kings ETF (ROE)vs › | $206.47M | N/A | N/A | N/A | N/A |
| Interprivate Investment Partners V Inc. (IPVV)vs › | $203.45M | N/A | N/A | N/A | N/A |
| Muzero Acquisition Corp Class A Ordinary Shares (MUZE)vs › | $206.74M | 0.00% | N/A | N/A | N/A |
| Jones Ventures Intl Acquisition1 (JONE)vs › | $207.25M | 0.00% | N/A | N/A | N/A |
| Dynamix Corporation III Class A Ordinary Shares (DNMX)vs › | $202.76M | 0.00% | N/A | N/A | N/A |
| Market Technology Acquisition Corp. (MTAK)vs › | $208.52M | N/A | N/A | N/A | N/A |
| FIGX Capital Acquisition Corp. (FIGX)vs › | $200.74M | 0.00% | N/A | N/A | N/A |
| DeFi Technologies Inc. (DEFT)vs › | $199.38M | 0.00% | N/A | N/A | N/A |
| Ampercap Acquisition Co. (APMC)vs › | $199.18M | N/A | N/A | N/A | N/A |
Debt/Assets
2.9%
Debt/Equity
0.27
Current ratio and interest coverage is unavailable for Citizens Community 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 | 2.86% |
| 2026-03-31 | 2.88% |
| 2025-12-31 | 2.91% |
| 2025-09-30 | 2.71% |
| 2025-06-30 | 3.56% |
| 2025-03-31 | 3.46% |
| 2024-12-31 | 3.81% |
| 2024-09-30 | 4.59% |
| 2024-06-30 | 5.16% |
| 2024-03-31 | 5.88% |
| 2023-12-31 | 7.94% |
| 2023-09-30 | 9.94% |
| 2023-06-30 | 10.38% |
| 2023-03-31 | 13.43% |
| 2022-12-31 | 11.83% |
| 2022-09-30 | 9.82% |
| 2022-06-30 | 10.73% |
| 2022-03-31 | 9.72% |
| 2021-12-31 | 9.77% |
| 2021-09-30 | 9.69% |
| 2021-06-30 | 9.91% |
| 2021-03-31 | 10.03% |
| 2020-12-31 | 11.03% |
| 2020-09-30 | 11.27% |
| 2020-06-30 | 10.46% |
| 2020-03-31 | 11.10% |
| 2019-12-31 | 11.40% |
| 2019-09-30 | 10.71% |
| 2019-06-30 | 13.38% |
| 2019-03-31 | 11.12% |
| 2018-12-31 | 10.44% |
| 2018-09-30 | 8.98% |
| 2018-06-30 | 8.93% |
| 2018-03-31 | 12.17% |
| 2017-12-31 | 13.14% |
| 2017-09-30 | 12.79% |
| 2017-06-30 | 11.85% |
| 2017-03-31 | 10.69% |
| 2016-12-31 | 12.31% |
| 2016-09-30 | 10.10% |
| 2016-06-30 | 9.66% |
| 2016-03-31 | 20.43% |
| 2015-12-31 | 20.25% |
| 2015-09-30 | 20.30% |
| 2015-06-30 | 16.22% |
| 2015-03-31 | 17.86% |
| 2014-12-31 | 18.87% |
| 2014-09-30 | 20.67% |
| 2014-06-30 | 22.98% |
| 2014-03-31 | 20.97% |
| 2013-12-31 | 20.46% |
| 2013-09-30 | 18.03% |
| 2013-06-30 | 19.19% |
| 2013-03-31 | 17.68% |
| 2012-12-31 | 18.50% |
| 2012-09-30 | 18.58% |
| 2012-06-30 | 9.03% |
| 2012-03-31 | 6.64% |
| 2011-12-31 | 5.58% |
| 2011-09-30 | 5.67% |
| 2011-06-30 | 6.40% |
| 2011-03-31 | 7.35% |
| 2010-12-31 | 7.38% |
| 2010-09-30 | 10.80% |
| 2010-06-30 | 13.03% |
| 2010-03-31 | 17.29% |
| 2009-12-31 | 17.95% |
| 2009-09-30 | 18.56% |
| 2009-06-30 | 22.10% |
| 2009-03-31 | 19.55% |
| 2008-12-31 | 21.08% |
| 2008-09-30 | 22.97% |
| 2008-06-30 | 24.69% |
| 2008-03-31 | 22.83% |
| 2007-12-31 | 24.97% |
| 2007-09-30 | 24.98% |
| 2007-06-30 | 14.47% |
| 2007-03-31 | 7.07% |
| 2006-12-31 | 5.64% |
| 2006-09-30 | 21.55% |
| 2006-06-30 | 17.31% |
| 2006-03-31 | 14.11% |
| 2005-12-31 | 12.95% |
| 2005-09-30 | 14.73% |
| 2005-06-30 | 17.45% |
| 2005-03-31 | 13.47% |
| 2004-12-31 | 10.98% |
| 2004-09-30 | 8.33% |
| 2004-06-30 | 8.86% |
| 2004-03-31 | 0.00% |
| 2003-09-30 | 2.84% |
