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Chino Commercial BancorpCCBC +1.40%60 Equity-to-Asset is 0.10 as of Dec. 2025, which is 11% above its 10-year median of 0.09. GuruFocus rates CCBC with a GF Score™ of 60/100 and a GF Value™ of $12.88 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Chino Commercial Bancorp ranks better than 54.59% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Chino Commercial Bancorp Equity-to-Asset Related Terms
Chino Commercial Bancorp Equity-to-Asset Historical Data
* 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.
CCBC vs SMAL, MNMB, HFBK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Chino Commercial Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-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.
Chino Commercial Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Chino Commercial Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Chino Commercial Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Chino Commercial Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Chino Commercial Bancorp (CCBC) has a Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Chino Commercial Bancorp and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, Chino Commercial Bancorp's Equity-to-Asset has ranged from 0.08 to 0.11. According to the industry distribution chart, Chino Commercial Bancorp ranks #692 out of 1524 companies in the Banks industry, placing it in the top 45.4%.
Is Chino Commercial Bancorp's Equity-to-Asset too high?
Chino Commercial Bancorp's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Chino Commercial Bancorp's value of 0.10 is 0% at this industry median. Based on the distribution chart, Chino Commercial Bancorp ranks #692 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Chino Commercial Bancorp has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chino Commercial Bancorp's Equity-to-Asset compare to SMAL and MNMB?
According to the Banks industry distribution chart, Chino Commercial Bancorp ranks #692 out of 1524 companies for Equity-to-Asset. This puts Chino Commercial Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Chino Commercial Bancorp's value of 0.10 is 0% at this benchmark. Historically, Chino Commercial Bancorp's own Equity-to-Asset has ranged from 0.08 to 0.11 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Chino Commercial Bancorp has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chino Commercial Bancorp's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Chino Commercial Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chino Commercial Bancorp's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chino Commercial Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Chino Commercial Bancorp (CCBC) is currently considered Significantly Overvalued. The stock's GF Value™ is $12.88, compared to a current price of $18.10 — trading 40.5% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. Chino Commercial Bancorp's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current Equity-to-Asset is 0.10 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 Chino Commercial Bancorp (CCBC) Overvalued in 2026?
Based on GuruFocus' analysis, Chino Commercial Bancorp stock appears to be overvalued.
The current stock price of $18.10 is trading 40.5% above its estimated GF Value™ of $12.88.
GuruFocus considers Chino Commercial Bancorp to be Significantly Overvalued.
Key valuation signals for CCBC:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $12.88 vs. price of $18.10 (40.5% above fair value)
Industry Position: 0% at the Banks median (#692 of 1524)
No single metric tells the full story. See the CCBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Chino Commercial Bancorp is a bank holding company based in the United States. Along with its banking subsidiary, it provides a variety of commercial banking services to individuals and small businesses, mainly in the Inland Empire region of Southern California. Its portfolio products and services mainly include lending products such as real estate loans, commercial loans, personal loans, etc, and deposit products such as non-interest-bearing deposits and money market accounts. Additionally, the company also offers cash management solutions, online banking, tele banking, and other banking services. These services are offered through full-service offices in Chino, Ontario, Rancho Cucamonga, Upland, and Corona, California.
60GF Score
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