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 2.22% is 18% below its 5-year average of 2.70%, near the low end of its 5-year range (1.19%–6.54%).
As of the fiscal period ended Tuesday, June 30, 2026. 23.48% above its 12-month average of 1.80%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 2.22%.
DEBT TO ASSETS RATIO
2.22%
DEBT TO ASSETS RATIO AVG TTM
1.80%
DEBT TO ASSETS RATIO AVG 3Y
2.25%
DEBT TO ASSETS RATIO AVG 5Y
2.70%
DEBT TO ASSETS RATIO AVG 10Y
N/A
DEBT TO ASSETS RATIO AVG 15Y
N/A
DEBT TO ASSETS RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
+23.48%
CURRENT VS 3Y AVG
-1.14%
CURRENT VS 5Y AVG
-17.80%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 502 covered companies
CURRENT VS SECTOR MEDIAN
+4339.23%
vs the sector median at left
HBT Financial, Inc.
Market Cap
$1.33B
Debt to Assets Ratio
2.22%
TTM Avg
1.80%
3Y Avg
2.25%
5Y Avg
2.70%
Market Cap
$1.33B
Debt to Assets Ratio
0.07%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.39B
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.41B
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.41B
Debt to Assets Ratio
0.84%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.43B
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.22B
Debt to Assets Ratio
0.67%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.46B
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.47B
Debt to Assets Ratio
0.21%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| HBT Financial, Inc. (HBT) | $1.33B | 2.22% | 1.80% | 2.25% | 2.70% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.33B | 0.07% | N/A | N/A | N/A |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.39B | 0.05% | N/A | N/A | N/A |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.41B | 0.06% | N/A | N/A | N/A |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.41B | 0.84% | N/A | N/A | N/A |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 0.01% | N/A | N/A | N/A |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 0.67% | N/A | N/A | N/A |
| Lakeland Financial Corporation (LKFN)vs › | $1.46B | 0.01% | N/A | N/A | N/A |
| Capital Southwest Corporation (CSWC)vs › | $1.47B | 0.21% | N/A | N/A | N/A |
| Heritage Financial Corporation (HFWA)vs › | $1.15B | 0.02% | N/A | N/A | N/A |
Debt/Assets
2.2%
Debt/Equity
0.20
Current ratio and interest coverage is unavailable for HBT Financial, 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 | 2.22% |
| 2026-03-31 | 2.28% |
| 2025-12-31 | 1.29% |
| 2025-09-30 | 1.19% |
| 2025-06-30 | 2.01% |
| 2025-03-31 | 2.01% |
| 2024-12-31 | 2.67% |
| 2024-09-30 | 2.70% |
| 2024-06-30 | 2.70% |
| 2024-03-31 | 2.72% |
| 2023-12-31 | 2.90% |
| 2023-09-30 | 5.99% |
| 2023-06-30 | 6.20% |
| 2023-03-31 | 4.03% |
| 2022-12-31 | 6.54% |
| 2022-09-30 | 4.40% |
| 2022-06-30 | 3.03% |
| 2022-03-31 | 2.94% |
| 2021-12-31 | 3.21% |
| 2021-09-30 | 3.16% |
| 2021-06-30 | 3.13% |
| 2021-03-31 | 3.08% |
| 2020-12-31 | 3.34% |
| 2020-09-30 | 3.46% |
| 2020-06-30 | 2.54% |
| 2020-03-31 | 2.44% |
| 2019-12-31 | 2.53% |
| 2019-09-30 | 2.21% |
| 2019-06-30 | 2.27% |
| 2019-03-31 | 1.15% |
| 2018-12-31 | 2.58% |
