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 1.24% is 67% below its 5-year average of 3.69%, near the low end of its 5-year range (0.94%–10.53%).
As of the fiscal period ended Tuesday, June 30, 2026. 21.96% below its 12-month average of 1.58%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 1.24%.
DEBT TO ASSETS RATIO
1.24%
DEBT TO ASSETS RATIO AVG TTM
1.58%
DEBT TO ASSETS RATIO AVG 3Y
4.19%
DEBT TO ASSETS RATIO AVG 5Y
3.69%
DEBT TO ASSETS RATIO AVG 10Y
3.26%
DEBT TO ASSETS RATIO AVG 15Y
N/A
DEBT TO ASSETS RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
-21.96%
CURRENT VS 3Y AVG
-70.49%
CURRENT VS 5Y AVG
-66.56%
CURRENT VS 10Y AVG
-62.15%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 731 covered companies
CURRENT VS SECTOR MEDIAN
+2371.34%
vs the sector median at left
Orange County Bancorp, Inc.
Market Cap
$505.61M
Debt to Assets Ratio
1.24%
TTM Avg
1.58%
3Y Avg
4.19%
5Y Avg
3.69%
Market Cap
$496.63M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$495.94M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$494.71M
Debt to Assets Ratio
0.08%
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
$491.19M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$488.36M
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$526.41M
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Orange County Bancorp, Inc. (OBT) | $505.61M | 1.24% | 1.58% | 4.19% | 3.69% |
| Churchill Capital Corp XI (CCXI)vs › | $496.63M | 0.00% | N/A | N/A | N/A |
| Private Bancorp of America, Inc. (PBAM)vs › | $495.94M | 0.01% | N/A | N/A | N/A |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $494.71M | 0.08% | N/A | N/A | N/A |
| Ponce Financial Group, Inc. (PDLB)vs › | $491.98M | 0.19% | N/A | N/A | N/A |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $491.19M | 0.00% | N/A | N/A | N/A |
| Sierra Bancorp (BSRR)vs › | $519.49M | 0.06% | N/A | N/A | N/A |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $488.36M | 0.06% | N/A | N/A | N/A |
| Bankwell Financial Group, Inc. (BWFG)vs › | $526.41M | 0.03% | N/A | N/A | N/A |
| Home Bancorp, Inc. (HBCP)vs › | $529.85M | 0.02% | N/A | N/A | N/A |
Debt/Assets
1.2%
Debt/Equity
0.11
Current ratio and interest coverage is unavailable for Orange 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 | 1.24% |
| 2026-03-31 | 1.28% |
| 2025-12-31 | 1.30% |
| 2025-09-30 | 2.16% |
| 2025-06-30 | 1.94% |
| 2025-03-31 | 1.96% |
| 2024-12-31 | 5.70% |
| 2024-09-30 | 6.41% |
| 2024-06-30 | 3.21% |
| 2024-03-31 | 4.38% |
| 2023-12-31 | 10.22% |
| 2023-09-30 | 7.17% |
| 2023-06-30 | 7.46% |
| 2023-03-31 | 10.53% |
| 2022-12-31 | 6.60% |
| 2022-09-30 | 0.95% |
| 2022-06-30 | 0.94% |
| 2022-03-31 | 0.98% |
| 2021-12-31 | 1.04% |
| 2021-09-30 | 1.03% |
| 2021-06-30 | 1.09% |
| 2021-03-31 | 1.17% |
| 2020-12-31 | 1.34% |
| 2020-09-30 | 1.33% |
| 2020-06-30 | 0.19% |
| 2020-03-31 | 0.22% |
| 2019-12-31 | 0.65% |
| 2019-09-30 | 0.64% |
| 2019-06-30 | 0.66% |
| 2019-03-31 | 1.15% |
| 2018-12-31 | 3.62% |
| 2018-09-30 | 1.69% |
| 2018-06-30 | 1.73% |
| 2017-12-31 | 2.41% |
| 2017-09-30 | 1.36% |
| 2017-06-30 | 6.40% |
| 2017-03-31 | 6.40% |
| 2016-12-31 | 9.69% |
| 2016-09-30 | 3.65% |
| 2016-06-30 | 8.70% |
| 2016-03-31 | 8.70% |
| 2015-12-31 | 8.90% |
| 2015-09-30 | 4.04% |
| 2015-06-30 | 9.65% |
| 2015-03-31 | 9.65% |
| 2014-12-31 | 10.09% |
| 2014-09-30 | 10.09% |
| 2012-12-31 | 11.05% |
