SMAL (Summit Bancshares,) Debt-to-Asset : 0.00 (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.

SMAL Summit Bancshares, Inc. SMAL
58 GF Score
Price $12.49
GF Value $40.41
Valuation Significantly Undervalued
! 1 Warning Sign
View Full Analysis

What is Summit Bancshares, Debt-to-Asset?

Summit Bancshares, SMAL 58 Debt-to-Asset is 0.00 as of Dec. 2025. GuruFocus rates SMAL with a GF Score™ of 58/100 and a GF Value™ of $40.41 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Summit Bancshares,'s Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.00 Mil. Summit Bancshares,'s Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.74 Mil. Summit Bancshares,'s Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $278.72 Mil. Summit Bancshares,'s debt to asset for the quarter that ended in Dec. 2025 was 0.00.

Summit Bancshares,  (OTCPK:SMAL) 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.

Summit Bancshares, Debt-to-Asset Related Terms

Summit Bancshares, Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Summit 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.

Summit Bancshares, Debt-to-Asset Chart

Summit Bancshares, Annual Data
Trend Dec10 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Summit Bancshares, Semi-Annual Data
Dec99 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

SMAL vs SRNN, GLBZ, ASCN: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Summit 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.

Summit Bancshares, Debt-to-Asset vs Banks Industry

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

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


SMAL
58GF Score
Summit Bancshares, Inc. SMAL
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Summit Bancshares, Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Summit 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 + 0.736) / 278.718
=0.00

Summit 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 + 0.736) / 278.718
=0.00

* 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 0.00 mean?
Summit Bancshares, (SMAL) has a Debt-to-Asset of 0.00 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Summit Bancshares, and its competitors.
Is Summit Bancshares,'s Debt-to-Asset too high?
Summit Bancshares,'s current Debt-to-Asset is 0.00. Overall, Summit Bancshares, has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bancshares,'s Debt-to-Asset compare to SRNN and GLBZ?
Summit Bancshares,'s Debt-to-Asset of 0.00 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 Summit Bancshares, and its competitors. Summit Bancshares,'s current Debt-to-Asset is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bancshares, stock overvalued right now?
Based on GuruFocus' analysis, Summit Bancshares, (SMAL) is currently considered Significantly Undervalued. The stock's GF Value™ is $40.41, compared to a current price of $12.49 — trading 69.1% below its estimated fair value. The current Debt-to-Asset is 0.00. Summit Bancshares,'s overall GF Score™ is 58/100 with 1 warning sign 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 Summit Bancshares, (SMAL), the current Debt-to-Asset is 0.00 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 Summit Bancshares, (SMAL) Overvalued in 2026?

Based on GuruFocus' analysis, Summit Bancshares, stock appears to be undervalued. The current stock price of $12.49 is trading 69.1% below its estimated GF Value™ of $40.41. GuruFocus considers Summit Bancshares, to be Significantly Undervalued.

Key valuation signals for SMAL:

  • Debt-to-Asset: 0.00
  • GF Value™: $40.41 vs. price of $12.49 (69.1% below fair value)
  • GF Score™: 58/100 with 1 warning sign

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

Summit Bancshares, Business Description

Address 2969 Broadway, Oakland, CA, USA, 94611
Summit Bancshares, Inc. operates in the banking industry. It offers personal banking, business banking, and other services. The Bank operates approximately three branches and provides commercial credit and other banking services to small and mid-sized businesses and professionals, including professional firms of physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors.
58GF Score

Get the complete analysis for SMAL

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

$12.49
Price
$40.41
GF Value