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 4.87% is 21% above its 5-year average of 4.01%, around the middle of its 5-year range (1.03%–8.46%).
As of the fiscal period ended Tuesday, June 30, 2026. 15.86% above its 12-month average of 4.21%.
Reported quarterly debt to assets ratio; no daily interpolation. Q4 FY2026 (2026-06-30): 4.87%.
DEBT TO ASSETS RATIO
4.87%
DEBT TO ASSETS RATIO AVG TTM
4.21%
DEBT TO ASSETS RATIO AVG 3Y
4.46%
DEBT TO ASSETS RATIO AVG 5Y
4.01%
DEBT TO ASSETS RATIO AVG 10Y
3.45%
DEBT TO ASSETS RATIO AVG 15Y
3.38%
DEBT TO ASSETS RATIO AVG 20Y
3.39%
CURRENT VS TTM AVG
+15.86%
CURRENT VS 3Y AVG
+9.26%
CURRENT VS 5Y AVG
+21.43%
CURRENT VS 10Y AVG
+41.18%
CURRENT VS 15Y AVG
+44.16%
CURRENT VS 20Y AVG
+43.69%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+9647.04%
vs the sector median at left
Greene County Bancorp, Inc.
Market Cap
$585.17M
Debt to Assets Ratio
4.87%
TTM Avg
4.21%
3Y Avg
4.46%
5Y Avg
4.01%
Market Cap
$580.24M
Debt to Assets Ratio
0.15%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$591.29M
Debt to Assets Ratio
0.13%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$571.47M
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$570.58M
Debt to Assets Ratio
0.35%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$600.35M
Debt to Assets Ratio
0.20%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$567.99M
Debt to Assets Ratio
0.08%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$564.90M
Debt to Assets Ratio
0.43%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$560.55M
Debt to Assets Ratio
0.08%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Greene County Bancorp, Inc. (GCBC) | $585.17M | 4.87% | 4.21% | 4.46% | 4.01% |
| Kearny Financial Corp. (KRNY)vs › | $580.24M | 0.15% | N/A | N/A | N/A |
| First Business Financial Services, Inc. (FBIZ)vs › | $591.29M | 0.13% | N/A | N/A | N/A |
| Southern First Bancshares, Inc. (SFST)vs › | $571.47M | 0.06% | N/A | N/A | N/A |
| Gemini Space Station, Inc. (GEMI)vs › | $570.58M | 0.35% | N/A | N/A | N/A |
| Forward Industries, Inc. (FWDI)vs › | $600.35M | 0.20% | N/A | N/A | N/A |
| Bridgewater Bancshares, Inc. (BWB)vs › | $567.99M | 0.08% | N/A | N/A | N/A |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $564.90M | 0.43% | N/A | N/A | N/A |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 0.08% | N/A | N/A | N/A |
| Gladstone Investment Corp. (GAIN)vs › | $613.26M | 0.44% | N/A | N/A | N/A |
Debt/Assets
4.9%
Debt/Equity
0.56
Current ratio and interest coverage is unavailable for Greene County 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 | 4.87% |
| 2026-03-31 | 3.37% |
| 2025-12-31 | 6.80% |
| 2025-09-30 | 1.77% |
| 2025-06-30 | 4.21% |
| 2025-03-31 | 3.13% |
| 2024-12-31 | 8.46% |
| 2024-09-30 | 4.96% |
| 2024-06-30 | 7.05% |
| 2024-03-31 | 2.99% |
| 2023-12-31 | 6.54% |
| 2023-09-30 | 2.01% |
| 2023-06-30 | 1.83% |
| 2023-03-31 | 1.81% |
| 2022-12-31 | 6.00% |
| 2022-09-30 | 2.82% |
| 2022-06-30 | 6.73% |
| 2022-03-31 | 1.95% |
| 2021-12-31 | 3.80% |
| 2021-09-30 | 2.15% |
| 2021-06-30 | 1.03% |
| 2021-03-31 | 1.01% |
| 2020-12-31 | 1.38% |
| 2020-09-30 | 1.43% |
| 2020-06-30 | 1.52% |
| 2020-03-31 | 0.83% |
| 2019-12-31 | 4.26% |
| 2019-09-30 | 0.96% |
| 2019-06-30 | 1.70% |
| 2019-03-31 | 0.99% |
| 2018-12-31 | 5.86% |
| 2018-09-30 | 6.39% |
| 2018-06-30 | 1.58% |
| 2018-03-31 | 1.55% |
| 2017-12-31 | 3.81% |
| 2017-09-30 | 2.01% |
| 2017-06-30 | 3.01% |
| 2017-03-31 | 2.42% |
| 2016-12-31 | 7.32% |
| 2016-09-30 | 3.87% |
| 2016-06-30 | 5.34% |
| 2016-03-31 | 2.38% |
| 2015-12-31 | 6.04% |
| 2015-09-30 | 3.52% |
| 2015-06-30 | 5.65% |
| 2015-03-31 | 2.36% |
| 2014-12-31 | 8.28% |
| 2014-09-30 | 2.76% |
| 2014-06-30 | 2.62% |
| 2014-03-31 | 2.07% |
| 2013-12-31 | 6.16% |
| 2013-09-30 | 1.31% |
| 2013-06-30 | 2.30% |
| 2013-03-31 | 0.62% |
| 2012-12-31 | 3.25% |
| 2012-09-30 | 1.16% |
| 2012-06-30 | 3.56% |
| 2012-03-31 | 1.56% |
| 2011-12-31 | 2.14% |
| 2011-09-30 | 2.16% |
| 2011-06-30 | 4.80% |
| 2011-03-31 | 2.14% |
| 2010-12-31 | 3.20% |
| 2010-09-30 | 3.21% |
| 2010-06-30 | 5.27% |
| 2010-03-31 | 3.55% |
| 2009-12-31 | 6.19% |
| 2009-09-30 | 4.03% |
| 2009-06-30 | 4.13% |
| 2009-03-31 | 4.14% |
| 2008-12-31 | 4.31% |
| 2008-09-30 | 6.04% |
| 2008-06-30 | 5.27% |
| 2008-03-31 | 5.01% |
| 2007-12-31 | 2.62% |
| 2007-09-30 | 1.47% |
| 2007-06-30 | 1.53% |
| 2007-03-31 | 1.56% |
| 2006-12-31 | 1.60% |
| 2006-09-30 | 1.62% |
| 2006-06-30 | 1.63% |
| 2006-03-31 | 1.67% |
| 2005-12-31 | 1.69% |
| 2005-09-30 | 2.58% |
| 2005-06-30 | 2.55% |
| 2005-03-31 | 2.56% |
| 2004-12-31 | 2.61% |
| 2004-09-30 | 2.63% |
| 2004-06-30 | 3.51% |
| 2004-03-31 | 4.37% |
| 2003-12-31 | 4.78% |
| 2003-09-30 | 3.08% |
| 2003-06-30 | 3.11% |
| 2003-03-31 | 3.28% |
| 2002-12-31 | 3.81% |
| 2002-09-30 | 3.91% |
