Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to equity ratio high or low?
The debt to equity ratio of 0.11 is 79% below its 5-year average of 0.54, near the low end of its 5-year range (0.11–1.74).
As of the fiscal period ended Tuesday, June 30, 2026. 26.18% below its 12-month average of 0.15.
Reported quarterly debt to equity ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 0.11.
DEBT TO EQUITY RATIO
0.11
DEBT TO EQUITY RATIO AVG TTM
0.15
DEBT TO EQUITY RATIO AVG 3Y
0.59
DEBT TO EQUITY RATIO AVG 5Y
0.54
DEBT TO EQUITY RATIO AVG 10Y
0.35
DEBT TO EQUITY RATIO AVG 15Y
N/A
DEBT TO EQUITY RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
-26.18%
CURRENT VS 3Y AVG
-80.99%
CURRENT VS 5Y AVG
-79.24%
CURRENT VS 10Y AVG
-67.67%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
0.28
median of 700 covered companies
CURRENT VS SECTOR MEDIAN
-59.70%
vs the sector median at left
Orange County Bancorp, Inc.
Market Cap
$503.80M
Debt to Equity Ratio
0.11
TTM Avg
0.15
3Y Avg
0.59
5Y Avg
0.54
Market Cap
$505.46M
Debt to Equity Ratio
1.33
TTM Avg
1.57
3Y Avg
2.02
5Y Avg
1.64
Market Cap
$495.46M
Debt to Equity Ratio
0.71
TTM Avg
0.74
3Y Avg
0.79
5Y Avg
0.60
Market Cap
$494.13M
Debt to Equity Ratio
0.09
TTM Avg
0.17
3Y Avg
0.29
5Y Avg
0.37
Market Cap
$494.04M
Debt to Equity Ratio
1.16
TTM Avg
1.19
3Y Avg
1.24
5Y Avg
1.09
Market Cap
$489.72M
Debt to Equity Ratio
0.01
TTM Avg
0.06
3Y Avg
0.10
5Y Avg
0.13
Market Cap
$489.26M
Debt to Equity Ratio
0.57
TTM Avg
0.86
3Y Avg
0.88
5Y Avg
0.69
Market Cap
$526.47M
Debt to Equity Ratio
0.31
TTM Avg
0.59
3Y Avg
0.61
5Y Avg
0.67
| NAME | MARKET CAP | DEBT TO EQUITY RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Orange County Bancorp, Inc. (OBT) | $503.80M | 0.11 | 0.15 | 0.59 | 0.54 |
| West Bancorporation, Inc. (WTBA)vs › | $505.46M | 1.33 | 1.57 | 2.02 | 1.64 |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $495.46M | 0.71 | 0.74 | 0.79 | 0.60 |
| Private Bancorp of America, Inc. (PBAM)vs › | $494.13M | 0.09 | 0.17 | 0.29 | 0.37 |
| Ponce Financial Group, Inc. (PDLB)vs › | $494.04M | 1.16 | 1.19 | 1.24 | 1.09 |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $489.72M | 0.01 | 0.06 | 0.10 | 0.13 |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $489.26M | 0.57 | 0.86 | 0.88 | 0.69 |
| Sierra Bancorp (BSRR)vs › | $519.65M | 0.57 | 1.09 | 1.29 | 1.06 |
| Bankwell Financial Group, Inc. (BWFG)vs › | $526.47M | 0.31 | 0.59 | 0.61 | 0.67 |
| Home Bancorp, Inc. (HBCP)vs › | $529.26M | 0.12 | 0.36 | 0.53 | 0.39 |
Debt/Equity
0.11
Current ratio 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.
Debt to Equity measures financial leverage by comparing total debt to shareholders' equity.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO EQUITY RATIO |
|---|---|
| 2026-06-30 | 0.11 |
| 2026-03-31 | 0.12 |
| 2025-12-31 | 0.12 |
| 2025-09-30 | 0.21 |
| 2025-06-30 | 0.20 |
| 2025-03-31 | 0.25 |
| 2024-12-31 | 0.77 |
| 2024-09-30 | 0.84 |
| 2024-06-30 | 0.45 |
| 2024-03-31 | 0.64 |
| 2023-12-31 | 1.54 |
| 2023-09-30 | 1.22 |
| 2023-06-30 | 1.26 |
| 2023-03-31 | 1.74 |
| 2022-12-31 | 1.09 |
| 2022-09-30 | 0.16 |
| 2022-06-30 | 0.15 |
| 2022-03-31 | 0.14 |
| 2021-12-31 | 0.12 |
| 2021-09-30 | 0.12 |
| 2021-06-30 | 0.16 |
| 2021-03-31 | 0.17 |
| 2020-12-31 | 0.16 |
| 2020-09-30 | 0.18 |
| 2020-06-30 | 0.02 |
| 2020-03-31 | 0.02 |
| 2019-12-31 | 0.07 |
| 2019-09-30 | 0.07 |
| 2019-06-30 | 0.07 |
| 2019-03-31 | 0.12 |
| 2018-12-31 | 0.36 |
| 2018-09-30 | 0.20 |
| 2018-06-30 | 0.20 |
| 2018-03-31 | 0.00 |
| 2017-12-31 | 0.25 |
| 2017-09-30 | 0.14 |
| 2017-06-30 | 0.66 |
| 2017-03-31 | 0.66 |
| 2016-12-31 | 0.95 |
| 2016-09-30 | 0.36 |
| 2016-06-30 | 0.81 |
| 2016-03-31 | 0.81 |
| 2015-12-31 | 0.77 |
| 2015-09-30 | 0.35 |
| 2015-06-30 | 0.78 |
| 2015-03-31 | 0.78 |
| 2014-12-31 | 0.74 |
| 2014-09-30 | 0.74 |
| 2014-06-30 | 0.00 |
| 2014-03-31 | 0.00 |
| 2012-12-31 | 0.77 |
