SCYT (Security Bancorp) Debt-to-Asset : 0.05 (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SCYT Security Bancorp Inc SCYT
55 GF Score
Price $120.00
GF Value $90.12
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Security Bancorp Debt-to-Asset?

Security Bancorp SCYT 55 Debt-to-Asset is 0.05 as of Dec. 2025. GuruFocus rates SCYT with a GF Score™ of 55/100 and a GF Value™ of $90.12 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Security Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $9.00 Mil. Security Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $10.00 Mil. Security Bancorp's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $381.58 Mil. Security Bancorp's debt to asset for the quarter that ended in Dec. 2025 was 0.05.

Security Bancorp  (OTCPK:SCYT) 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.

Security Bancorp Debt-to-Asset Related Terms

Security Bancorp Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Security Bancorp'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.

Security Bancorp Debt-to-Asset Chart

Security Bancorp Annual Data
Trend Dec00 Dec01 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.05

Security Bancorp Quarterly Data
Dec99 Jun00 Dec00 Jun01 Dec01 Jun02 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
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 Premium Member Only 0.00 0.00 0.00 0.05 0.00

SCYT vs ESBS, SSBP, HCBC: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Security Bancorp'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.

Security Bancorp Debt-to-Asset vs Banks Industry

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

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


SCYT
55GF Score
Security Bancorp Inc SCYT
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Security Bancorp Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Security Bancorp'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
=(9 + 10) / 381.579614
=0.05

Security Bancorp'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
=(9 + 10) / 381.579614
=0.05

* 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 0.05 mean?
Security Bancorp (SCYT) has a Debt-to-Asset of 0.05 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Security Bancorp and its competitors.
Is Security Bancorp's Debt-to-Asset too high?
Security Bancorp's current Debt-to-Asset is 0.05. Overall, Security Bancorp has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Bancorp's Debt-to-Asset compare to ESBS and SSBP?
Security Bancorp's Debt-to-Asset of 0.05 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 Security Bancorp and its competitors. Security Bancorp's current Debt-to-Asset is 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Security Bancorp (SCYT) is currently considered Significantly Overvalued. The stock's GF Value™ is $90.12, compared to a current price of $120.00 — trading 33.2% above its estimated fair value. The current Debt-to-Asset is 0.05. Security Bancorp's overall GF Score™ is 55/100 with 5 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 Security Bancorp (SCYT), the current Debt-to-Asset is 0.05 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 Security Bancorp (SCYT) Overvalued in 2026?

Based on GuruFocus' analysis, Security Bancorp stock appears to be overvalued. The current stock price of $120.00 is trading 33.2% above its estimated GF Value™ of $90.12. GuruFocus considers Security Bancorp to be Significantly Overvalued.

Key valuation signals for SCYT:

  • Debt-to-Asset: 0.05
  • GF Value™: $90.12 vs. price of $120.00 (33.2% above fair value)
  • GF Score™: 55/100 with 5 warning signs

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

Security Bancorp Business Description

Address 306 West Main Street, Mcminnville, TN, USA, 37110
Security Bancorp Inc is a bank holding company. The company is a community-oriented financial institution organized to address the needs of McMinnville and Warren County. It is engaged in attracting deposits from the general public and using those funds to originate one to four-family mortgage loans. Its services include mobile banking, online banking, personal checking, business checking, savings accounts, CD's, and telephone banking.
55GF Score

Get the complete analysis for SCYT

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

$120.00
Price
$90.12
GF Value