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 4.78% is in line with its 5-year average of 4.69%, around the middle of its 5-year range (1.72%–10.03%).
As of the fiscal period ended Tuesday, June 30, 2026. 0.01% below its 12-month average of 4.78%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 4.78%.
DEBT TO ASSETS RATIO
4.78%
DEBT TO ASSETS RATIO AVG TTM
4.78%
DEBT TO ASSETS RATIO AVG 3Y
5.66%
DEBT TO ASSETS RATIO AVG 5Y
4.69%
DEBT TO ASSETS RATIO AVG 10Y
3.89%
DEBT TO ASSETS RATIO AVG 15Y
3.01%
DEBT TO ASSETS RATIO AVG 20Y
2.95%
CURRENT VS TTM AVG
-0.01%
CURRENT VS 3Y AVG
-15.49%
CURRENT VS 5Y AVG
+2.04%
CURRENT VS 10Y AVG
+23.03%
CURRENT VS 15Y AVG
+58.72%
CURRENT VS 20Y AVG
+62.06%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+9464.85%
vs the sector median at left
First Guaranty Bancshares, Inc.
Market Cap
$140.55M
Debt to Assets Ratio
4.78%
TTM Avg
4.78%
3Y Avg
5.66%
5Y Avg
4.69%
Market Cap
$140.58M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$139.98M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$141.47M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$139.19M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$142.31M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$142.54M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$143.32M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$137.52M
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 |
|---|---|---|---|---|---|
| First Guaranty Bancshares, Inc. (FGBIP) | $140.55M | 4.78% | 4.78% | 5.66% | 4.69% |
| First Guaranty Bancshares, Inc. (FGBI)vs › | $140.58M | 0.05% | N/A | N/A | N/A |
| Blackrock 2037 Municipal Target Term Trust (BMN)vs › | $139.98M | N/A | N/A | N/A | N/A |
| Lake Shore Bancorp, Inc. (LSBK)vs › | $141.47M | 0.00% | N/A | N/A | N/A |
| RF Acquisition Corp III Ordinary Shares (RFAM)vs › | $139.19M | N/A | N/A | N/A | N/A |
| BOA Acquisition Corp. II (THEO)vs › | $142.31M | N/A | N/A | N/A | N/A |
| K2 Capital Acquisition Corporation (KTWO)vs › | $142.54M | N/A | N/A | N/A | N/A |
| Aeon Acquisition I Corp. (AESP)vs › | $143.32M | N/A | N/A | N/A | N/A |
| Social Commerce Partners Corporation Class A Ordinary Shares (SCPQ)vs › | $137.52M | 0.00% | N/A | N/A | N/A |
| BCB Bancorp, Inc. (BCBP)vs › | $144.29M | 0.06% | N/A | N/A | N/A |
Debt/Assets
4.8%
Debt/Equity
0.82
Current ratio and interest coverage is unavailable for First Guaranty 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 | 4.78% |
| 2026-03-31 | 4.98% |
| 2025-12-31 | 4.56% |
| 2025-09-30 | 4.90% |
| 2025-06-30 | 4.69% |
| 2025-03-31 | 5.25% |
| 2024-12-31 | 5.08% |
| 2024-09-30 | 5.17% |
| 2024-06-30 | 7.85% |
| 2024-03-31 | 6.32% |
| 2023-12-31 | 7.75% |
| 2023-09-30 | 10.03% |
| 2023-06-30 | 6.57% |
| 2023-03-31 | 4.10% |
| 2022-12-31 | 5.82% |
| 2022-09-30 | 4.65% |
| 2022-06-30 | 2.19% |
| 2022-03-31 | 1.90% |
| 2021-12-31 | 1.72% |
| 2021-09-30 | 1.77% |
| 2021-06-30 | 3.66% |
| 2021-03-31 | 2.54% |
| 2020-12-31 | 4.72% |
| 2020-09-30 | 4.74% |
| 2020-06-30 | 4.93% |
| 2020-03-31 | 5.41% |
| 2019-12-31 | 4.10% |
| 2019-09-30 | 1.79% |
| 2019-06-30 | 1.77% |
| 2019-03-31 | 1.77% |
| 2018-12-31 | 1.90% |
| 2018-09-30 | 3.38% |
| 2018-06-30 | 2.72% |
| 2018-03-31 | 2.12% |
| 2017-12-31 | 3.02% |
| 2017-09-30 | 2.70% |
| 2017-06-30 | 2.25% |
| 2017-03-31 | 2.41% |
| 2016-12-31 | 2.88% |
| 2016-09-30 | 3.31% |
| 2016-06-30 | 3.28% |
| 2016-03-31 | 2.70% |
| 2015-12-31 | 2.89% |
| 2015-09-30 | 0.20% |
| 2015-06-30 | 0.99% |
| 2015-03-31 | 0.20% |
| 2014-12-31 | 0.21% |
| 2014-09-30 | 0.94% |
| 2014-06-30 | 0.24% |
| 2014-03-31 | 0.73% |
| 2013-12-31 | 0.44% |
| 2013-09-30 | 3.03% |
| 2013-06-30 | 2.12% |
| 2013-03-31 | 1.13% |
| 2012-12-31 | 1.13% |
| 2012-09-30 | 0.96% |
| 2012-06-30 | 1.53% |
| 2012-03-31 | 1.14% |
| 2011-12-31 | 1.14% |
| 2011-09-30 | 0.58% |
| 2011-05-16 | 0.77% |
| 2011-03-31 | 1.14% |
| 2010-12-31 | 1.11% |
| 2010-09-30 | 2.35% |
| 2010-06-30 | 3.52% |
| 2010-03-31 | 2.83% |
| 2009-12-31 | 3.43% |
| 2009-09-30 | 1.32% |
| 2009-06-30 | 3.08% |
| 2009-03-31 | 2.41% |
| 2008-12-31 | 2.08% |
| 2008-09-30 | 6.13% |
| 2008-06-30 | 4.16% |
| 2008-03-31 | 1.58% |
| 2007-12-31 | 1.67% |
| 2007-09-30 | 5.94% |
