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 6.23% is 18% below its 5-year average of 7.60%, around the middle of its 5-year range (2.20%–11.22%).
As of the fiscal period ended Tuesday, June 30, 2026. 16.74% below its 12-month average of 7.48%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 6.23%.
DEBT TO ASSETS RATIO
6.23%
DEBT TO ASSETS RATIO AVG TTM
7.48%
DEBT TO ASSETS RATIO AVG 3Y
8.95%
DEBT TO ASSETS RATIO AVG 5Y
7.60%
DEBT TO ASSETS RATIO AVG 10Y
5.81%
DEBT TO ASSETS RATIO AVG 15Y
6.22%
DEBT TO ASSETS RATIO AVG 20Y
7.03%
CURRENT VS TTM AVG
-16.74%
CURRENT VS 3Y AVG
-30.36%
CURRENT VS 5Y AVG
-18.05%
CURRENT VS 10Y AVG
+7.25%
CURRENT VS 15Y AVG
+0.16%
CURRENT VS 20Y AVG
-11.39%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+12361.54%
vs the sector median at left
Farmers & Merchants Bancorp, Inc.
Market Cap
$486.57M
Debt to Assets Ratio
6.23%
TTM Avg
7.48%
3Y Avg
8.95%
5Y Avg
7.60%
Market Cap
$485.89M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$491.98M
Debt to Assets Ratio
0.19%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$493.61M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$493.67M
Debt to Assets Ratio
0.08%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$473.69M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$499.66M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$472.31M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$471.94M
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 |
|---|---|---|---|---|---|
| Farmers & Merchants Bancorp, Inc. (FMAO) | $486.57M | 6.23% | 7.48% | 8.95% | 7.60% |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $485.89M | 0.00% | N/A | N/A | N/A |
| Ponce Financial Group, Inc. (PDLB)vs › | $491.98M | 0.19% | N/A | N/A | N/A |
| Private Bancorp of America, Inc. (PBAM)vs › | $493.61M | 0.01% | N/A | N/A | N/A |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $493.67M | 0.08% | N/A | N/A | N/A |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $473.69M | 0.00% | N/A | N/A | N/A |
| Churchill Capital Corp XI (CCXI)vs › | $499.66M | 0.00% | N/A | N/A | N/A |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $472.31M | 0.00% | N/A | N/A | N/A |
| Gores Holdings X, Inc. (GTEN)vs › | $471.94M | 0.00% | N/A | N/A | N/A |
| Orange County Bancorp, Inc. (OBT)vs › | $502.80M | 0.01% | N/A | N/A | N/A |
Debt/Assets
6.2%
Debt/Equity
0.57
Current ratio and interest coverage is unavailable for Farmers & Merchants 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 | 6.23% |
| 2026-03-31 | 7.71% |
| 2025-12-31 | 8.74% |
| 2025-09-30 | 7.24% |
| 2025-06-30 | 7.50% |
| 2025-03-31 | 9.08% |
| 2024-12-31 | 9.16% |
| 2024-09-30 | 9.59% |
| 2024-06-30 | 9.87% |
| 2024-03-31 | 9.72% |
| 2023-12-31 | 10.01% |
| 2023-09-30 | 10.25% |
| 2023-06-30 | 11.22% |
| 2023-03-31 | 7.47% |
| 2022-12-31 | 7.50% |
| 2022-09-30 | 7.27% |
| 2022-06-30 | 5.57% |
| 2022-03-31 | 4.80% |
| 2021-12-31 | 4.84% |
| 2021-09-30 | 3.69% |
| 2021-06-30 | 2.20% |
| 2021-03-31 | 2.40% |
| 2020-12-31 | 2.52% |
| 2020-09-30 | 2.61% |
| 2020-06-30 | 2.80% |
| 2020-03-31 | 3.35% |
| 2019-12-31 | 4.53% |
| 2019-09-30 | 3.47% |
| 2019-06-30 | 3.37% |
| 2019-03-31 | 3.43% |
| 2018-12-31 | 2.88% |
| 2018-09-30 | 2.89% |
| 2018-06-30 | 2.61% |
| 2018-03-31 | 2.52% |
| 2017-12-31 | 4.02% |
| 2017-09-30 | 4.18% |
| 2017-06-30 | 4.70% |
| 2017-03-31 | 3.56% |
| 2016-12-31 | 7.61% |
| 2016-09-30 | 6.65% |
| 2016-06-30 | 8.42% |
| 2016-03-31 | 7.87% |
| 2015-12-31 | 8.98% |
| 2015-09-30 | 6.42% |
| 2015-06-30 | 6.15% |
| 2015-03-31 | 5.44% |
| 2014-12-31 | 5.95% |
| 2014-09-30 | 6.72% |
| 2014-06-30 | 7.39% |
| 2014-03-31 | 6.09% |
| 2013-12-31 | 7.69% |
| 2013-09-30 | 7.37% |
| 2013-06-30 | 6.70% |
| 2013-03-31 | 5.92% |
| 2012-12-31 | 6.65% |
| 2012-09-30 | 7.22% |
| 2012-06-30 | 7.53% |
| 2012-03-31 | 7.06% |
| 2011-12-31 | 7.49% |
| 2011-09-30 | 8.25% |
| 2011-06-30 | 8.38% |
| 2011-03-31 | 8.86% |
| 2010-12-31 | 8.95% |
| 2010-09-30 | 9.28% |
| 2010-06-30 | 9.98% |
| 2010-03-31 | 10.15% |
| 2009-12-31 | 9.07% |
| 2009-09-30 | 10.07% |
| 2009-06-30 | 9.84% |
| 2009-03-31 | 10.67% |
| 2008-12-31 | 11.65% |
| 2008-09-30 | 12.20% |
| 2008-06-30 | 6.37% |
| 2008-03-31 | 9.02% |
| 2007-12-31 | 9.10% |
| 2007-09-30 | 11.00% |
| 2007-06-30 | 9.44% |
| 2007-03-31 | 8.14% |
| 2006-12-31 | 7.88% |
| 2006-09-30 | 8.44% |
| 2006-06-30 | 9.99% |
| 2006-03-31 | 8.44% |
| 2005-12-31 | 7.78% |
| 2005-09-30 | 7.22% |
| 2005-06-30 | 6.55% |
| 2005-03-31 | 6.35% |
| 2004-12-31 | 6.38% |
| 2004-09-30 | 6.37% |
| 2004-06-30 | 6.96% |
| 2004-03-31 | 6.51% |
| 2003-12-31 | 7.33% |
| 2003-09-30 | 7.96% |
| 2003-06-30 | 8.04% |
| 2003-03-31 | 7.28% |
| 2002-12-31 | 9.68% |
| 2002-09-30 | 8.58% |
