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 1.99% is 19% below its 5-year average of 2.47%, near the low end of its 5-year range (1.61%–6.15%).
As of the fiscal period ended Tuesday, June 30, 2026. 3.48% above its 12-month average of 1.92%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 1.99%.
DEBT TO ASSETS RATIO
1.99%
DEBT TO ASSETS RATIO AVG TTM
1.92%
DEBT TO ASSETS RATIO AVG 3Y
1.96%
DEBT TO ASSETS RATIO AVG 5Y
2.47%
DEBT TO ASSETS RATIO AVG 10Y
5.28%
DEBT TO ASSETS RATIO AVG 15Y
6.27%
DEBT TO ASSETS RATIO AVG 20Y
7.61%
CURRENT VS TTM AVG
+3.48%
CURRENT VS 3Y AVG
+1.77%
CURRENT VS 5Y AVG
-19.40%
CURRENT VS 10Y AVG
-62.31%
CURRENT VS 15Y AVG
-68.23%
CURRENT VS 20Y AVG
-73.86%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+3881.42%
vs the sector median at left
Market Cap
$3.28B
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.29B
Debt to Assets Ratio
0.04%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.24B
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.35B
Debt to Assets Ratio
0.07%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.18B
Debt to Assets Ratio
0.54%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.14B
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| TowneBank (TOWN) | $3.27B | 1.99% | 1.92% | 1.96% | 2.47% |
| Simmons First National Corporation (SFNC)vs › | $3.28B | 0.05% | N/A | N/A | N/A |
| Mechanics Bank (MCHB)vs › | $3.28B | 0.01% | N/A | N/A | N/A |
| First Financial Bancorp. (FFBC)vs › | $3.29B | 0.04% | N/A | N/A | N/A |
| iShares Core 80/20 Aggressive Allocation ETF (AOA)vs › | $3.24B | N/A | N/A | N/A | N/A |
| Palomar Holdings, Inc. (PLMR)vs › | $3.35B | 0.07% | N/A | N/A | N/A |
| Golub Capital BDC, Inc. (GBDC)vs › | $3.18B | 0.54% | N/A | N/A | N/A |
| CleanSpark, Inc. (CLSK)vs › | $3.15B | 0.66% | N/A | N/A | N/A |
| Seacoast Banking Corporation of Florida (SBCF)vs › | $3.14B | 0.06% | N/A | N/A | N/A |
| CVB Financial Corp. (CVBF)vs › | $3.13B | 0.05% | N/A | N/A | N/A |
Debt/Assets
2.0%
Debt/Equity
0.15
Current ratio and interest coverage is unavailable for TowneBank: 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 | 1.99% |
| 2026-03-31 | 2.29% |
| 2025-12-31 | 1.89% |
| 2025-09-30 | 1.84% |
| 2025-06-30 | 1.61% |
| 2025-03-31 | 1.62% |
| 2024-12-31 | 1.72% |
| 2024-09-30 | 1.69% |
| 2024-06-30 | 1.73% |
| 2024-03-31 | 1.72% |
| 2023-12-31 | 2.93% |
| 2023-09-30 | 2.44% |
| 2023-06-30 | 6.15% |
| 2023-03-31 | 4.82% |
| 2022-12-31 | 2.01% |
| 2022-09-30 | 2.01% |
| 2022-06-30 | 3.56% |
| 2022-03-31 | 3.77% |
| 2021-12-31 | 2.94% |
| 2021-09-30 | 3.08% |
| 2021-06-30 | 3.73% |
| 2021-03-31 | 3.80% |
| 2020-12-31 | 5.28% |
| 2020-09-30 | 7.02% |
| 2020-06-30 | 7.80% |
| 2020-03-31 | 11.03% |
| 2019-12-31 | 6.47% |
| 2019-09-30 | 5.60% |
| 2019-06-30 | 7.00% |
| 2019-03-31 | 8.92% |
| 2018-12-31 | 9.80% |
| 2018-09-30 | 10.49% |
| 2018-06-30 | 10.82% |
| 2018-03-31 | 11.15% |
| 2017-12-31 | 9.38% |
| 2017-09-30 | 9.26% |
| 2017-06-30 | 6.60% |
| 2017-03-31 | 8.84% |
| 2016-12-31 | 9.03% |
| 2016-09-30 | 5.87% |
| 2016-06-30 | 6.86% |
| 2016-03-31 | 7.36% |
| 2015-12-31 | 7.41% |
| 2015-09-30 | 7.63% |
| 2015-06-30 | 7.82% |
| 2015-03-31 | 7.46% |
| 2014-12-31 | 8.63% |
| 2014-09-30 | 8.51% |
| 2014-06-30 | 8.60% |
| 2014-03-31 | 8.93% |
| 2013-12-31 | 9.47% |
| 2013-09-30 | 9.57% |
| 2013-06-30 | 9.52% |
| 2013-03-31 | 9.00% |
| 2012-12-31 | 8.90% |
| 2012-09-30 | 9.03% |
| 2012-06-30 | 6.87% |
| 2012-03-31 | 6.99% |
| 2011-12-31 | 7.49% |
| 2011-09-30 | 7.62% |
| 2011-06-30 | 8.87% |
| 2011-03-31 | 9.00% |
| 2010-12-31 | 9.27% |
| 2010-09-30 | 10.31% |
| 2010-06-30 | 10.15% |
| 2010-03-31 | 13.16% |
| 2009-12-31 | 14.59% |
| 2009-09-30 | 12.23% |
| 2009-06-30 | 12.21% |
| 2009-03-31 | 12.91% |
| 2008-12-31 | 14.07% |
| 2008-09-30 | 14.94% |
| 2008-06-30 | 15.95% |
| 2008-03-31 | 15.21% |
| 2007-12-31 | 28.32% |
| 2007-09-30 | 14.33% |
| 2007-06-30 | 14.12% |
| 2007-03-31 | 11.53% |
| 2006-12-31 | 10.00% |
| 2006-09-30 | 7.90% |
| 2006-06-30 | 5.07% |
| 2006-03-31 | 4.79% |
| 2005-12-31 | 5.29% |
| 2005-09-30 | 5.49% |
| 2005-06-30 | 5.62% |
| 2005-03-31 | 6.23% |
| 2004-12-31 | 8.40% |
| 2004-09-30 | 6.10% |
| 2004-06-30 | 9.36% |
| 2004-03-31 | 5.31% |
| 2003-12-31 | 8.54% |
| 2003-09-30 | 7.06% |
| 2003-06-30 | 7.05% |
| 2003-03-31 | 7.36% |
| 2002-12-31 | 7.88% |
| 2002-09-30 | 8.14% |
