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 5.03% is 15% above its 5-year average of 4.36%, around the middle of its 5-year range (1.92%–6.92%).
As of the fiscal period ended Tuesday, June 30, 2026. 0.51% below its 12-month average of 5.06%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 5.03%.
DEBT TO ASSETS RATIO
5.03%
DEBT TO ASSETS RATIO AVG TTM
5.06%
DEBT TO ASSETS RATIO AVG 3Y
5.02%
DEBT TO ASSETS RATIO AVG 5Y
4.36%
DEBT TO ASSETS RATIO AVG 10Y
5.93%
DEBT TO ASSETS RATIO AVG 15Y
6.01%
DEBT TO ASSETS RATIO AVG 20Y
6.91%
CURRENT VS TTM AVG
-0.51%
CURRENT VS 3Y AVG
+0.22%
CURRENT VS 5Y AVG
+15.46%
CURRENT VS 10Y AVG
-15.22%
CURRENT VS 15Y AVG
-16.23%
CURRENT VS 20Y AVG
-27.18%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+9962.52%
vs the sector median at left
Orrstown Financial Services, Inc.
Market Cap
$812.04M
Debt to Assets Ratio
5.03%
TTM Avg
5.06%
3Y Avg
5.02%
5Y Avg
4.36%
Market Cap
$813.16M
Debt to Assets Ratio
0.08%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$817.02M
Debt to Assets Ratio
0.27%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$805.64M
Debt to Assets Ratio
0.61%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$818.67M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$824.71M
Debt to Assets Ratio
0.60%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$788.83M
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$839.33M
Debt to Assets Ratio
0.94%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Orrstown Financial Services, Inc. (ORRF) | $812.04M | 5.03% | 5.06% | 5.02% | 4.36% |
| Alerus Financial Corporation (ALRS)vs › | $813.16M | 0.08% | N/A | N/A | N/A |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | 0.27% | N/A | N/A | N/A |
| GCM Grosvenor Inc. (GCMG)vs › | $805.64M | 0.61% | N/A | N/A | N/A |
| South Plains Financial, Inc. (SPFI)vs › | $818.67M | 0.01% | N/A | N/A | N/A |
| World Acceptance Corporation (WRLD)vs › | $824.71M | 0.60% | N/A | N/A | N/A |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $788.83M | 0.03% | N/A | N/A | N/A |
| River City Bank (RCBC)vs › | $787.88M | 0.00% | N/A | N/A | N/A |
| Navient Corporation (NAVI)vs › | $839.33M | 0.94% | N/A | N/A | N/A |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $782.81M | 0.01% | N/A | N/A | N/A |
Debt/Assets
5.0%
Debt/Equity
0.45
Current ratio and interest coverage is unavailable for Orrstown Financial Services, 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 | 5.03% |
| 2026-03-31 | 4.72% |
| 2025-12-31 | 6.07% |
| 2025-09-30 | 5.09% |
| 2025-06-30 | 4.37% |
| 2025-03-31 | 3.53% |
| 2024-12-31 | 3.86% |
| 2024-09-30 | 3.76% |
| 2024-06-30 | 5.06% |
| 2024-03-31 | 5.00% |
| 2023-12-31 | 5.85% |
| 2023-09-30 | 6.79% |
| 2023-06-30 | 6.13% |
| 2023-03-31 | 6.92% |
| 2022-12-31 | 5.32% |
| 2022-09-30 | 1.92% |
| 2022-06-30 | 2.05% |
| 2022-03-31 | 2.01% |
| 2021-12-31 | 2.02% |
| 2021-09-30 | 2.14% |
| 2021-06-30 | 3.87% |
| 2021-03-31 | 3.80% |
| 2020-12-31 | 3.98% |
| 2020-09-30 | 8.37% |
| 2020-06-30 | 9.32% |
| 2020-03-31 | 10.22% |
| 2019-12-31 | 16.98% |
| 2019-09-30 | 5.69% |
| 2019-06-30 | 5.19% |
| 2019-03-31 | 7.34% |
| 2018-12-31 | 9.27% |
| 2018-09-30 | 7.49% |
| 2018-06-30 | 8.97% |
| 2018-03-31 | 10.85% |
| 2017-12-31 | 11.38% |
| 2017-09-30 | 10.14% |
| 2017-06-30 | 7.77% |
| 2017-03-31 | 8.08% |
| 2016-12-31 | 7.92% |
| 2016-09-30 | 4.96% |
| 2016-06-30 | 5.16% |
| 2016-03-31 | 6.77% |
| 2015-12-31 | 8.79% |
| 2015-09-30 | 6.23% |
| 2015-06-30 | 10.38% |
| 2015-03-31 | 8.41% |
| 2014-12-31 | 8.53% |
| 2014-09-30 | 6.02% |
| 2014-06-30 | 5.93% |
| 2014-03-31 | 6.22% |
| 2013-12-31 | 6.38% |
| 2013-09-30 | 3.44% |
| 2013-06-30 | 4.48% |
| 2013-03-31 | 4.38% |
| 2012-12-31 | 3.82% |
| 2012-09-30 | 3.93% |
| 2012-06-30 | 4.94% |
| 2012-03-31 | 7.07% |
| 2011-12-31 | 6.15% |
| 2011-09-30 | 4.06% |
| 2011-06-30 | 7.03% |
| 2011-03-31 | 8.72% |
| 2010-12-31 | 10.12% |
| 2010-09-30 | 11.21% |
| 2010-06-30 | 7.54% |
| 2010-03-31 | 11.98% |
| 2009-12-31 | 13.60% |
| 2009-09-30 | 16.62% |
| 2009-06-30 | 17.02% |
| 2009-03-31 | 17.42% |
| 2008-12-31 | 17.33% |
| 2008-09-30 | 18.94% |
| 2008-06-30 | 16.32% |
| 2008-03-31 | 15.47% |
| 2007-12-31 | 15.15% |
| 2007-09-30 | 12.85% |
| 2007-06-30 | 9.29% |
| 2007-03-31 | 9.79% |
| 2006-12-31 | 9.16% |
| 2006-09-30 | 8.34% |
| 2006-06-30 | 7.72% |
| 2006-03-31 | 11.19% |
| 2005-12-31 | 12.71% |
| 2005-09-30 | 11.75% |
| 2005-06-30 | 10.84% |
| 2005-03-31 | 10.54% |
| 2004-12-31 | 14.49% |
| 2004-09-30 | 13.44% |
| 2004-06-30 | 11.05% |
| 2004-03-31 | 12.30% |
| 2003-12-31 | 14.11% |
| 2003-09-30 | 13.86% |
| 2003-06-30 | 13.74% |
| 2003-03-31 | 11.31% |
| 2002-12-31 | 12.03% |
| 2002-09-30 | 14.63% |
