MCBI (Mountain Commerce Bancorp) Debt-to-Equity : 0.54 (As of Sep. 2024)

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What is Mountain Commerce Bancorp Debt-to-Equity?

Mountain Commerce Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $0.00 Mil. Mountain Commerce Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $70.96 Mil. Mountain Commerce Bancorp's Total Stockholders Equity for the quarter that ended in Sep. 2024 was $132.74 Mil. Mountain Commerce Bancorp's debt to equity for the quarter that ended in Sep. 2024 was 0.53.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Mountain Commerce Bancorp's Debt-to-Equity or its related term are showing as below:

MCBI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.19 Med: 0.69 Max: 1.69
Current: 0.54

During the past 9 years, the highest Debt-to-Equity Ratio of Mountain Commerce Bancorp was 1.69. The lowest was 0.19. And the median was 0.69.

MCBI's Debt-to-Equity is ranked better than
55% of 1451 companies
in the Banks industry
Industry Median: 0.63 vs MCBI: 0.54

Mountain Commerce Bancorp Debt-to-Equity Historical Data

The historical data trend for Mountain Commerce Bancorp's Debt-to-Equity 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.

* Premium members only.

Mountain Commerce Bancorp Debt-to-Equity Chart

Mountain Commerce Bancorp Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.56

0.71

0.80

1.07

1.06

Mountain Commerce Bancorp Quarterly Data
	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24
Debt-to-Equity	Get a 7-Day Free Trial															N/A	1.06	0.64	0.78	0.54

Competitive Comparison of Mountain Commerce Bancorp's Debt-to-Equity

For the Banks - Regional subindustry, Mountain Commerce Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.

Mountain Commerce Bancorp's Debt-to-Equity Distribution in the Banks Industry

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

* The bar in red indicates where Mountain Commerce Bancorp's Debt-to-Equity falls into.

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Mountain Commerce Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Mountain Commerce Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	129.918)	/	122.787
	=	1.06

Mountain Commerce Bancorp's Debt to Equity Ratio for the quarter that ended in Sep. 2024 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	70.957)	/	132.743
	=	0.53

Mountain Commerce Bancorp (OTCPK:MCBI) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Mountain Commerce Bancorp Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Mountain Commerce Bancorp's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Mountain Commerce Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Mountain Commerce Bancorp Inc (OTCPK:MCBI) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

6101 Kingston Pike, P.O. Box 52942, Knoxville, TN, USA, 37919

Website

https://www.mcb.com

Mountain Commerce Bancorp Inc operates as a bank holding company. It offers personal and business banking services. The bank offers checking and savings accounts; certificates of deposit; and loans and lines of credit, such as mortgage loans, personal loans and lines of credit, commercial real estate lending, small business administration loans, equipment lending, operating lines of credit, and credit cards. Its primary lending products are one-to-four family residential, commercial real estate, commercial and industrial, and consumer lending.