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 4.59% is 26% above its 5-year average of 3.63%, around the middle of its 5-year range (1.31%–8.12%).
As of the fiscal period ended Tuesday, June 30, 2026. 10.71% above its 12-month average of 4.15%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 4.59%.
DEBT TO ASSETS RATIO
4.59%
DEBT TO ASSETS RATIO AVG TTM
4.15%
DEBT TO ASSETS RATIO AVG 3Y
4.30%
DEBT TO ASSETS RATIO AVG 5Y
3.63%
DEBT TO ASSETS RATIO AVG 10Y
5.56%
DEBT TO ASSETS RATIO AVG 15Y
6.07%
DEBT TO ASSETS RATIO AVG 20Y
5.66%
CURRENT VS TTM AVG
+10.71%
CURRENT VS 3Y AVG
+6.93%
CURRENT VS 5Y AVG
+26.36%
CURRENT VS 10Y AVG
-17.36%
CURRENT VS 15Y AVG
-24.36%
CURRENT VS 20Y AVG
-18.80%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 680 covered companies
CURRENT VS SECTOR MEDIAN
+9085.93%
vs the sector median at left
Financial Institutions, Inc.
Market Cap
$774.36M
Debt to Assets Ratio
4.59%
TTM Avg
4.15%
3Y Avg
4.30%
5Y Avg
3.63%
Market Cap
$785.56M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$762.96M
Debt to Assets Ratio
0.02%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$792.68M
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$807.25M
Debt to Assets Ratio
0.61%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$740.17M
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$813.03M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Financial Institutions, Inc. (FISI) | $774.36M | 4.59% | 4.15% | 4.30% | 3.63% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $785.56M | 0.01% | N/A | N/A | N/A |
| Shore Bancshares, Inc. (SHBI)vs › | $762.96M | 0.02% | N/A | N/A | N/A |
| River City Bank (RCBC)vs › | $791.63M | 0.00% | N/A | N/A | N/A |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $792.68M | 0.03% | N/A | N/A | N/A |
| PRA Group, Inc. (PRAA)vs › | $742.53M | 0.01% | N/A | N/A | N/A |
| GCM Grosvenor Inc. (GCMG)vs › | $807.25M | 0.61% | N/A | N/A | N/A |
| Independent Bank Corporation (IBCP)vs › | $740.17M | 0.03% | N/A | N/A | N/A |
| Orrstown Financial Services, Inc. (ORRF)vs › | $813.03M | 0.05% | N/A | N/A | N/A |
| Carlyle Secured Lending, Inc. (CGBD)vs › | $734.32M | 0.53% | N/A | N/A | N/A |
Debt/Assets
4.6%
Debt/Equity
0.45
Current ratio and interest coverage is unavailable for Financial Institutions, 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 | 4.59% |
| 2026-03-31 | 3.57% |
| 2025-12-31 | 5.33% |
| 2025-09-30 | 3.21% |
| 2025-06-30 | 4.04% |
| 2025-03-31 | 3.35% |
| 2024-12-31 | 4.19% |
| 2024-09-30 | 3.46% |
| 2024-06-30 | 5.88% |
| 2024-03-31 | 4.62% |
| 2023-12-31 | 5.57% |
| 2023-09-30 | 3.72% |
| 2023-06-30 | 8.12% |
| 2023-03-31 | 4.03% |
| 2022-12-31 | 5.39% |
| 2022-09-30 | 2.55% |
| 2022-06-30 | 3.29% |
| 2022-03-31 | 1.31% |
| 2021-12-31 | 1.88% |
| 2021-09-30 | 1.31% |
| 2021-06-30 | 1.39% |
| 2021-03-31 | 1.38% |
| 2020-12-31 | 1.61% |
| 2020-09-30 | 0.90% |
| 2020-06-30 | 3.09% |
| 2020-03-31 | 3.33% |
| 2019-12-31 | 7.18% |
| 2019-09-30 | 5.79% |
| 2019-06-30 | 8.06% |
| 2019-03-31 | 7.59% |
| 2018-12-31 | 11.80% |
| 2018-09-30 | 8.16% |
| 2018-06-30 | 12.21% |
| 2018-03-31 | 8.83% |
| 2017-12-31 | 11.82% |
| 2017-09-30 | 8.70% |
| 2017-06-30 | 9.93% |
| 2017-03-31 | 8.87% |
| 2016-12-31 | 9.99% |
| 2016-09-30 | 7.30% |
| 2016-06-30 | 10.52% |
| 2016-03-31 | 6.21% |
| 2015-12-31 | 9.82% |
| 2015-09-30 | 8.35% |
| 2015-06-30 | 11.60% |
| 2015-03-31 | 5.49% |
| 2014-12-31 | 10.84% |
| 2014-09-30 | 7.07% |
| 2014-06-30 | 8.51% |
| 2014-03-31 | 6.52% |
| 2013-12-31 | 11.51% |
| 2013-09-30 | 6.56% |
| 2013-06-30 | 6.95% |
| 2013-03-31 | 4.94% |
| 2012-12-31 | 6.51% |
| 2012-09-30 | 1.44% |
| 2012-06-30 | 7.66% |
| 2012-03-31 | 4.77% |
| 2011-12-31 | 6.45% |
| 2011-09-30 | 4.37% |
| 2011-06-30 | 6.97% |
| 2011-03-31 | 3.00% |
| 2010-12-31 | 4.69% |
| 2010-09-30 | 2.97% |
| 2010-06-30 | 4.37% |
| 2010-03-31 | 3.87% |
| 2009-12-31 | 5.16% |
| 2009-09-30 | 5.62% |
| 2009-06-30 | 4.01% |
| 2009-03-31 | 3.88% |
| 2008-12-31 | 3.69% |
| 2008-09-30 | 5.89% |
| 2008-06-30 | 4.72% |
| 2008-03-31 | 3.68% |
| 2007-12-31 | 3.67% |
| 2007-09-30 | 4.16% |
| 2007-06-30 | 4.02% |
| 2007-03-31 | 4.06% |
| 2006-12-31 | 4.57% |
| 2006-09-30 | 5.72% |
| 2006-06-30 | 6.02% |
| 2006-03-31 | 5.77% |
| 2005-12-31 | 5.70% |
| 2005-09-30 | 5.76% |
| 2005-06-30 | 6.20% |
| 2005-03-31 | 5.87% |
| 2004-12-31 | 6.15% |
| 2004-09-30 | 6.20% |
| 2004-06-30 | 6.11% |
| 2004-03-31 | 6.68% |
| 2003-12-31 | 7.10% |
| 2003-09-30 | 7.10% |
| 2003-06-30 | 7.22% |
| 2003-03-31 | 7.92% |
| 2002-12-31 | 9.29% |
| 2002-09-30 | 9.30% |
