MBKL (MBT Bancshares) Debt-to-Asset : 0.03 (As of Dec. 2025)

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MBKL MBT Bancshares Inc MBKL
56 GF Score
Price $30.16
GF Value $24.74
Valuation Modestly Overvalued
! 6 Warning Signs
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What is MBT Bancshares Debt-to-Asset?

MBT Bancshares MBKL +3.39% 56 Debt-to-Asset is 0.03 as of Dec. 2025. GuruFocus rates MBKL with a GF Score™ of 56/100 and a GF Value™ of $24.74 (Modestly Overvalued). The stock has 6 warning signs investors should review.

MBT Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.00 Mil. MBT Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $20.26 Mil. MBT Bancshares's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $652.37 Mil. MBT Bancshares's debt to asset for the quarter that ended in Dec. 2025 was 0.03.

MBT Bancshares  (OTCPK:MBKL) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

MBT Bancshares Debt-to-Asset Related Terms

MBT Bancshares Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for MBT Bancshares's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

MBT Bancshares Debt-to-Asset Chart

MBT Bancshares Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.04 0.09 0.06 0.03

MBT Bancshares Semi-Annual Data
Dec02 Dec03 Dec04 Dec05 Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.03 0.04 0.09 0.06 0.03

MBKL vs CIZN, DENI, CIBH: Debt-to-Asset Comparison

For the Banks - Regional subindustry, MBT Bancshares's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

MBT Bancshares Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, MBT Bancshares's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where MBT Bancshares's Debt-to-Asset falls into.


MBKL
56GF Score
MBT Bancshares Inc MBKL
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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MBT Bancshares Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

MBT Bancshares's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 20.259) / 652.37
=0.03

MBT Bancshares's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 20.259) / 652.37
=0.03

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.03 mean?
MBT Bancshares (MBKL) has a Debt-to-Asset of 0.03 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on MBT Bancshares and its competitors.
Is MBT Bancshares' Debt-to-Asset too high?
MBT Bancshares' current Debt-to-Asset is 0.03. Overall, MBT Bancshares has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MBT Bancshares' Debt-to-Asset compare to CIZN and DENI?
MBT Bancshares' Debt-to-Asset of 0.03 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on MBT Bancshares and its competitors. MBT Bancshares's current Debt-to-Asset is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBT Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MBT Bancshares (MBKL) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.74, compared to a current price of $30.16 — trading 21.9% above its estimated fair value. The current Debt-to-Asset is 0.03. MBT Bancshares' overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For MBT Bancshares (MBKL), the current Debt-to-Asset is 0.03 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is MBT Bancshares (MBKL) Overvalued in 2026?

Based on GuruFocus' analysis, MBT Bancshares stock appears to be overvalued. The current stock price of $30.16 is trading 21.9% above its estimated GF Value™ of $24.74. GuruFocus considers MBT Bancshares to be Modestly Overvalued.

Key valuation signals for MBKL:

  • Debt-to-Asset: 0.03
  • GF Value™: $24.74 vs. price of $30.16 (21.9% above fair value)
  • GF Score™: 56/100 with 6 warning signs

No single metric tells the full story. See the MBKL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

MBT Bancshares Business Description

Address 3344 Metairie Road, Metairie, LA, USA, 70001
MBT Bancshares Inc is a United States-based company providing commercial banking services. It offers personal banking and business banking services. The services portfolio includes online banking service, checking accounts service, savings account facility, card services, and other services.
56GF Score

Get the complete analysis for MBKL

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.16
Price
$24.74
GF Value