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 0.49% is 84% below its 5-year average of 3.05%, near the low end of its 5-year range (0.14%–5.91%).
As of the fiscal period ended Tuesday, June 30, 2026. 12.22% above its 12-month average of 0.44%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 0.49%.
DEBT TO ASSETS RATIO
0.49%
DEBT TO ASSETS RATIO AVG TTM
0.44%
DEBT TO ASSETS RATIO AVG 3Y
1.35%
DEBT TO ASSETS RATIO AVG 5Y
3.05%
DEBT TO ASSETS RATIO AVG 10Y
4.25%
DEBT TO ASSETS RATIO AVG 15Y
5.49%
DEBT TO ASSETS RATIO AVG 20Y
5.30%
CURRENT VS TTM AVG
+12.22%
CURRENT VS 3Y AVG
-63.56%
CURRENT VS 5Y AVG
-83.84%
CURRENT VS 10Y AVG
-88.40%
CURRENT VS 15Y AVG
-91.01%
CURRENT VS 20Y AVG
-90.70%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 509 covered companies
CURRENT VS SECTOR MEDIAN
+886.32%
vs the sector median at left
First Financial Bankshares, Inc.
Market Cap
$4.59B
Debt to Assets Ratio
0.49%
TTM Avg
0.44%
3Y Avg
1.35%
5Y Avg
3.05%
Market Cap
$4.56B
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.84B
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.85B
Debt to Assets Ratio
0.14%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.34B
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.33B
Debt to Assets Ratio
0.04%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.92B
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.25B
Debt to Assets Ratio
0.57%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Financial Bankshares, Inc. (FFIN) | $4.59B | 0.49% | 0.44% | 1.35% | 3.05% |
| Fulton Financial Corporation (FULTP)vs › | $4.56B | 0.05% | N/A | N/A | N/A |
| JPMorgan U.S. Tech Leaders ETF (JTEK)vs › | $4.84B | N/A | N/A | N/A | N/A |
| Hamilton Lane Incorporated (HLNE)vs › | $4.85B | 0.14% | N/A | N/A | N/A |
| Fulton Financial Corporation (FULT)vs › | $4.34B | 0.05% | N/A | N/A | N/A |
| International Bancshares Corporation (IBOC)vs › | $4.33B | 0.04% | N/A | N/A | N/A |
| Eastern Bankshares, Inc. (EBC)vs › | $4.92B | 0.01% | N/A | N/A | N/A |
| Marathon Digital Holdings, Inc. (MARA)vs › | $4.25B | 0.57% | N/A | N/A | N/A |
| Defiance Quantum ETF (QTUM)vs › | $4.15B | N/A | N/A | N/A | N/A |
| Axos Financial, Inc. (AX)vs › | $5.09B | 0.04% | N/A | N/A | N/A |
Debt/Assets
0.5%
Debt/Equity
0.04
Current ratio and interest coverage is unavailable for First Financial Bankshares, 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 | 0.49% |
| 2026-03-31 | 0.59% |
| 2025-12-31 | 0.14% |
| 2025-09-30 | 0.49% |
| 2025-06-30 | 0.49% |
| 2025-03-31 | 0.58% |
| 2024-12-31 | 1.41% |
| 2024-09-30 | 0.61% |
| 2024-06-30 | 1.24% |
| 2024-03-31 | 2.53% |
| 2023-12-31 | 3.08% |
| 2023-09-30 | 5.88% |
| 2023-06-30 | 4.58% |
| 2023-03-31 | 4.87% |
| 2022-12-31 | 4.95% |
| 2022-09-30 | 5.91% |
| 2022-06-30 | 5.79% |
| 2022-03-31 | 5.70% |
| 2021-12-31 | 5.12% |
| 2021-09-30 | 5.17% |
| 2021-06-30 | 4.46% |
| 2021-03-31 | 4.53% |
| 2020-12-31 | 3.94% |
| 2020-09-30 | 4.76% |
| 2020-06-30 | 4.34% |
| 2020-03-31 | 8.84% |
| 2019-12-31 | 4.62% |
| 2019-09-30 | 4.93% |
| 2019-06-30 | 4.54% |
| 2019-03-31 | 4.82% |
| 2018-12-31 | 6.06% |
| 2018-09-30 | 5.03% |
| 2018-06-30 | 5.95% |
| 2018-03-31 | 4.92% |
| 2017-12-31 | 4.56% |
| 2017-09-30 | 5.01% |
| 2017-06-30 | 5.46% |
| 2017-03-31 | 5.20% |
| 2016-12-31 | 6.55% |
| 2016-09-30 | 7.68% |
| 2016-06-30 | 8.42% |
| 2016-03-31 | 8.05% |
| 2015-12-31 | 9.24% |
| 2015-09-30 | 7.74% |
| 2015-06-30 | 10.16% |
| 2015-03-31 | 6.67% |
| 2014-12-31 | 12.55% |
| 2014-09-30 | 6.13% |
| 2014-06-30 | 7.98% |
| 2014-03-31 | 7.26% |
| 2013-12-31 | 8.88% |
| 2013-09-30 | 9.19% |
| 2013-06-30 | 8.66% |
| 2013-03-25 | 5.91% |
| 2012-12-31 | 5.77% |
| 2012-09-30 | 5.90% |
| 2012-06-30 | 5.86% |
| 2012-03-31 | 5.62% |
| 2011-12-31 | 5.04% |
| 2011-09-30 | 4.59% |
| 2011-06-30 | 5.01% |
| 2011-03-31 | 5.02% |
| 2010-12-31 | 4.72% |
| 2010-09-30 | 5.17% |
| 2010-06-30 | 4.78% |
| 2010-03-31 | 5.64% |
| 2009-12-31 | 4.45% |
| 2009-09-30 | 5.21% |
| 2009-06-30 | 5.74% |
| 2009-03-31 | 5.33% |
| 2008-12-31 | 7.33% |
| 2008-09-30 | 6.25% |
| 2008-06-30 | 4.86% |
| 2008-03-31 | 5.33% |
| 2007-12-31 | 5.42% |
| 2007-09-30 | 5.83% |
| 2007-06-30 | 5.16% |
| 2007-03-31 | 3.89% |
| 2006-12-31 | 5.03% |
| 2006-09-30 | 4.35% |
| 2006-06-30 | 4.08% |
| 2006-03-31 | 3.13% |
| 2005-12-31 | 2.72% |
| 2005-09-30 | 2.56% |
| 2005-06-30 | 1.58% |
| 2005-03-31 | 1.81% |
| 2004-12-31 | 1.54% |
| 2004-09-30 | 3.26% |
| 2004-06-30 | 3.21% |
| 2004-03-31 | 0.74% |
| 2003-12-31 | 1.39% |
| 2003-09-30 | 0.67% |
| 2003-06-30 | 0.60% |
| 2003-03-31 | 0.63% |
| 2002-12-31 | 1.34% |
| 2002-09-30 | 1.46% |
