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 0.00% is 100% below its 1-year average of 0.70%, near the low end of its 1-year range (0.00%–3.76%).
As of the fiscal period ended Tuesday, June 30, 2026. 100.00% below its 12-month average of 0.84%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 0.00%.
DEBT TO ASSETS RATIO
0.00%
DEBT TO ASSETS RATIO AVG TTM
0.84%
DEBT TO ASSETS RATIO AVG 3Y
0.70%
DEBT TO ASSETS RATIO AVG 5Y
0.70%
DEBT TO ASSETS RATIO AVG 10Y
0.70%
DEBT TO ASSETS RATIO AVG 15Y
1.20%
DEBT TO ASSETS RATIO AVG 20Y
10.30%
CURRENT VS TTM AVG
-100.00%
CURRENT VS 3Y AVG
-100.00%
CURRENT VS 5Y AVG
-100.00%
CURRENT VS 10Y AVG
-100.00%
CURRENT VS 15Y AVG
-100.00%
CURRENT VS 20Y AVG
-100.00%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 735 covered companies
CURRENT VS SECTOR MEDIAN
-100.00%
vs the sector median at left
River City Bank
Market Cap
$788.67M
Debt to Assets Ratio
0.00%
TTM Avg
0.84%
3Y Avg
0.70%
5Y Avg
0.70%
Market Cap
$790.48M
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$784.32M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$773.28M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$806.26M
Debt to Assets Ratio
0.61%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$812.24M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$815.42M
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
$760.29M
Debt to Assets Ratio
0.02%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| River City Bank (RCBC) | $788.67M | 0.00% | 0.84% | 0.70% | 0.70% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $790.48M | 0.03% | N/A | N/A | N/A |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $784.32M | 0.01% | N/A | N/A | N/A |
| Financial Institutions, Inc. (FISI)vs › | $773.28M | 0.05% | N/A | N/A | N/A |
| GCM Grosvenor Inc. (GCMG)vs › | $806.26M | 0.61% | N/A | N/A | N/A |
| Orrstown Financial Services, Inc. (ORRF)vs › | $812.24M | 0.05% | N/A | N/A | N/A |
| Alerus Financial Corporation (ALRS)vs › | $815.42M | 0.08% | N/A | N/A | N/A |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | 0.27% | N/A | N/A | N/A |
| Shore Bancshares, Inc. (SHBI)vs › | $760.29M | 0.02% | N/A | N/A | N/A |
| South Plains Financial, Inc. (SPFI)vs › | $819.25M | 0.01% | N/A | N/A | N/A |
Debt/Assets
0.0%
Debt/Equity
0.00
Current ratio and interest coverage is unavailable for River City Bank: 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 | 0.00% |
| 2026-03-31 | 0.00% |
| 2025-12-31 | 0.46% |
| 2025-09-30 | 0.00% |
| 2025-06-30 | 3.76% |
| 2025-03-31 | 0.00% |
| 2013-12-31 | 4.21% |
| 2010-03-31 | 5.22% |
| 2006-12-31 | 99.68% |
| 2006-09-30 | 0.00% |
| 2006-06-30 | 0.00% |
| 2006-03-31 | 0.00% |
| 2005-12-31 | 4.10% |
| 2005-09-30 | 0.00% |
| 2005-06-30 | 0.00% |
| 2005-03-31 | 0.00% |
