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 12.13% is 28% above its 5-year average of 9.45%, near the high end of its 5-year range (5.28%–14.48%).
As of the fiscal period ended Tuesday, June 30, 2026. 45.59% above its 12-month average of 8.33%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 12.13%.
DEBT TO ASSETS RATIO
12.13%
DEBT TO ASSETS RATIO AVG TTM
8.33%
DEBT TO ASSETS RATIO AVG 3Y
10.03%
DEBT TO ASSETS RATIO AVG 5Y
9.45%
DEBT TO ASSETS RATIO AVG 10Y
9.87%
DEBT TO ASSETS RATIO AVG 15Y
9.10%
DEBT TO ASSETS RATIO AVG 20Y
9.80%
CURRENT VS TTM AVG
+45.59%
CURRENT VS 3Y AVG
+20.93%
CURRENT VS 5Y AVG
+28.30%
CURRENT VS 10Y AVG
+22.84%
CURRENT VS 15Y AVG
+33.28%
CURRENT VS 20Y AVG
+23.77%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+24157.42%
vs the sector median at left
Pathfinder Bancorp, Inc.
Market Cap
$106.05M
Debt to Assets Ratio
12.13%
TTM Avg
8.33%
3Y Avg
10.03%
5Y Avg
9.45%
Market Cap
$105.66M
Debt to Assets Ratio
0.23%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$106.56M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$105.42M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$107.12M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$104.87M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$107.32M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$107.35M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$108.03M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Pathfinder Bancorp, Inc. (PBHC) | $106.05M | 12.13% | 8.33% | 10.03% | 9.45% |
| Union Bankshares, Inc. (UNB)vs › | $105.66M | 0.23% | N/A | N/A | N/A |
| Twelve Seas Investment Company II (TWLV)vs › | $106.56M | 0.00% | N/A | N/A | N/A |
| Maywood Acquisition Corp. 2 Class A Ordinary Share (MYX)vs › | $105.42M | N/A | N/A | N/A | N/A |
| TCGX Acquisition Corp. Class A Ordinary Shares (TCGX)vs › | $107.12M | N/A | N/A | N/A | N/A |
| ChampionsGate Acquisition Corporation Class A Ordinary Share (CHPG)vs › | $104.87M | 0.00% | N/A | N/A | N/A |
| BHAV Acquisition Corp Class A Ordinary Shares (BHAV)vs › | $107.32M | 0.00% | N/A | N/A | N/A |
| Research Alliance Corporation III Class A Ordinary Shares (RACC)vs › | $107.35M | N/A | N/A | N/A | N/A |
| Quartzsea Acquisition Corporation (QSEA)vs › | $108.03M | 0.00% | N/A | N/A | N/A |
| Broadway Financial Corp. (BYFC)vs › | $108.04M | 0.11% | N/A | N/A | N/A |
Debt/Assets
12.1%
Debt/Equity
1.44
Current ratio and interest coverage is unavailable for Pathfinder 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 | 12.13% |
| 2026-03-31 | 5.28% |
| 2025-12-31 | 7.52% |
| 2025-09-30 | 7.12% |
| 2025-06-30 | 9.60% |
| 2025-03-31 | 6.22% |
| 2024-12-31 | 9.26% |
| 2024-09-30 | 10.02% |
| 2024-06-30 | 14.48% |
| 2024-03-31 | 11.93% |
| 2023-12-31 | 14.44% |
| 2023-09-30 | 10.47% |
| 2023-06-30 | 11.92% |
| 2023-03-31 | 9.67% |
| 2022-12-31 | 10.89% |
| 2022-09-30 | 6.99% |
| 2022-06-30 | 7.90% |
| 2022-03-31 | 7.11% |
| 2021-12-31 | 8.54% |
| 2021-09-30 | 7.85% |
| 2021-06-30 | 9.18% |
| 2021-03-31 | 9.83% |
| 2020-12-31 | 10.10% |
| 2020-09-30 | 8.15% |
| 2020-06-30 | 7.98% |
| 2020-03-31 | 9.86% |
| 2019-12-31 | 10.14% |
| 2019-09-30 | 9.19% |
| 2019-06-30 | 10.59% |
| 2019-03-31 | 9.77% |
| 2018-12-31 | 14.32% |
| 2018-09-30 | 10.28% |
| 2018-06-30 | 10.98% |
| 2018-03-31 | 8.86% |
| 2017-12-31 | 10.09% |
| 2017-09-30 | 10.27% |
| 2017-06-30 | 12.29% |
| 2017-03-31 | 8.48% |
| 2016-12-31 | 9.88% |
| 2016-09-30 | 13.54% |
| 2016-06-30 | 11.69% |
| 2016-03-31 | 9.17% |
| 2015-12-31 | 9.03% |
| 2015-09-30 | 5.66% |
| 2015-06-30 | 11.19% |
| 2015-03-31 | 7.94% |
| 2014-12-31 | 12.70% |
| 2014-09-30 | 6.35% |
| 2014-06-30 | 8.62% |
| 2014-03-31 | 7.41% |
| 2013-12-31 | 9.13% |
| 2013-09-30 | 9.35% |
| 2013-06-30 | 10.10% |
| 2013-03-31 | 6.16% |
| 2012-12-31 | 8.40% |
| 2012-09-30 | 8.37% |
| 2012-06-30 | 6.35% |
| 2012-03-31 | 6.45% |
| 2011-12-31 | 7.05% |
| 2011-09-30 | 7.91% |
| 2011-06-30 | 8.90% |
| 2011-03-31 | 8.77% |
| 2010-12-31 | 11.30% |
| 2010-09-30 | 9.90% |
| 2010-06-30 | 11.45% |
| 2010-03-31 | 9.87% |
| 2009-12-31 | 11.07% |
| 2009-09-30 | 10.73% |
| 2009-06-30 | 11.97% |
| 2009-03-31 | 11.77% |
| 2008-12-31 | 16.20% |
| 2008-09-30 | 17.66% |
| 2008-06-30 | 15.46% |
| 2008-03-31 | 11.71% |
| 2007-12-31 | 13.58% |
| 2007-09-30 | 10.57% |
| 2007-06-30 | 8.39% |
| 2007-03-31 | 10.19% |
| 2006-12-31 | 10.46% |
| 2006-09-30 | 12.02% |
| 2006-06-30 | 13.95% |
| 2006-03-31 | 14.03% |
| 2005-12-31 | 12.30% |
| 2005-09-30 | 12.38% |
| 2005-06-30 | 15.59% |
| 2005-03-31 | 12.80% |
| 2004-12-31 | 13.41% |
| 2004-09-30 | 13.37% |
| 2004-06-30 | 13.84% |
| 2004-03-31 | 15.25% |
| 2003-12-31 | 16.54% |
| 2003-09-30 | 17.41% |
| 2003-06-30 | 18.78% |
| 2003-03-31 | 16.58% |
| 2002-12-31 | 17.15% |
| 2002-09-30 | 18.07% |
