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 1.38% is 56% below its 5-year average of 3.13%, near the low end of its 5-year range (1.11%–6.94%).
As of the fiscal period ended Tuesday, June 30, 2026. 19.46% below its 12-month average of 1.71%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 1.38%.
DEBT TO ASSETS RATIO
1.38%
DEBT TO ASSETS RATIO AVG TTM
1.71%
DEBT TO ASSETS RATIO AVG 3Y
3.04%
DEBT TO ASSETS RATIO AVG 5Y
3.13%
DEBT TO ASSETS RATIO AVG 10Y
9.47%
DEBT TO ASSETS RATIO AVG 15Y
N/A
DEBT TO ASSETS RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
-19.46%
CURRENT VS 3Y AVG
-54.70%
CURRENT VS 5Y AVG
-56.00%
CURRENT VS 10Y AVG
-85.44%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+2656.67%
vs the sector median at left
Five Star Bancorp
Market Cap
$1.05B
Debt to Assets Ratio
1.38%
TTM Avg
1.71%
3Y Avg
3.04%
5Y Avg
3.13%
Market Cap
$1.05B
Debt to Assets Ratio
0.17%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.03B
Debt to Assets Ratio
0.50%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.06B
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.02B
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.02B
Debt to Assets Ratio
0.10%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.01B
Debt to Assets Ratio
0.10%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Five Star Bancorp (FSBC) | $1.05B | 1.38% | 1.71% | 3.04% | 3.13% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | 0.17% | N/A | N/A | N/A |
| Northeast Bank (NBN)vs › | $1.04B | 0.16% | N/A | N/A | N/A |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.03B | 0.50% | N/A | N/A | N/A |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.06B | 0.00% | N/A | N/A | N/A |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 0.03% | N/A | N/A | N/A |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 0.10% | N/A | N/A | N/A |
| Trupanion, Inc. (TRUP)vs › | $1.08B | 0.11% | N/A | N/A | N/A |
| OceanFirst Financial Corp. (OCFC)vs › | $1.01B | 0.10% | N/A | N/A | N/A |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.01B | 0.00% | N/A | N/A | N/A |
Debt/Assets
1.4%
Debt/Equity
0.16
Current ratio and interest coverage is unavailable for Five Star Bancorp: 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 | 1.38% |
| 2026-03-31 | 1.70% |
| 2025-12-31 | 1.81% |
| 2025-09-30 | 1.82% |
| 2025-06-30 | 1.85% |
| 2025-03-31 | 1.90% |
| 2024-12-31 | 1.99% |
| 2024-09-30 | 2.08% |
| 2024-06-30 | 2.23% |
| 2024-03-31 | 5.78% |
| 2023-12-31 | 6.94% |
| 2023-09-30 | 4.81% |
| 2023-06-30 | 5.26% |
| 2023-03-31 | 5.86% |
| 2022-12-31 | 5.51% |
| 2022-09-30 | 6.88% |
| 2022-06-30 | 3.28% |
| 2022-03-31 | 1.20% |
| 2021-12-31 | 1.11% |
| 2021-09-30 | 1.17% |
| 2021-06-30 | 1.22% |
| 2021-03-31 | 1.32% |
| 2020-12-31 | 1.45% |
| 2019-12-31 | 514.47% |
| 2019-09-30 | 17.32% |
| 2019-06-30 | 18.00% |
| 2019-03-31 | 20.02% |
| 2018-12-31 | 21.88% |
| 2018-09-30 | 22.56% |
| 2018-06-30 | 21.20% |
| 2018-03-31 | 20.53% |
| 2017-12-31 | 20.50% |
| 2017-09-30 | 22.83% |
| 2017-06-30 | 18.94% |
| 2017-03-31 | 22.97% |
| 2016-12-31 | 20.76% |
| 2016-09-30 | 18.40% |
| 2016-06-30 | 15.81% |
