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CCCB BancorpCCYY 47 Equity-to-Asset is 0.06 as of Dec. 2025, which is 14% below its 10-year median of 0.07. GuruFocus rates CCYY with a GF Score™ of 47/100 and a GF Value™ of $6.92 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,524 Banks companies, CCCB Bancorp ranks worse than 84.78% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. CCCB Bancorp's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $17.04 Mil. CCCB Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $266.27 Mil.
Therefore, CCCB Bancorp's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.06.
The historical rank and industry rank for CCCB Bancorp's Equity-to-Asset or its related term are showing as below:
CCYY'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.07 Max: 0.1
Current: 0.06
During the past 7 years, the highest Equity to Asset Ratio of CCCB Bancorp was 0.10. The lowest was 0.06. And the median was 0.07.
CCYY's Equity-to-Asset is ranked worse than 84.78% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs CCYY: 0.06
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%.
CCCB Bancorp Equity-to-Asset Related Terms
CCCB Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for CCCB Bancorp's Equity-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.
CCYY vs CRZY, TCNB, JTNB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, CCCB 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.
CCCB Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, CCCB Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where CCCB 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.
CCCB 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.
CCCB Bancorp (CCYY) has a Equity-to-Asset of 0.06 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on CCCB Bancorp and its competitors. This is 14% below median its historical median of 0.07. Over the past decade, CCCB Bancorp's Equity-to-Asset has ranged from 0.06 to 0.10. According to the industry distribution chart, CCCB Bancorp ranks #1292 out of 1524 companies in the Banks industry, placing it in the top 84.8%.
Is CCCB Bancorp's Equity-to-Asset too high?
CCCB Bancorp's current Equity-to-Asset of 0.06 is 14% below median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. CCCB Bancorp's value of 0.06 is 40% below this industry median. Based on the distribution chart, CCCB Bancorp ranks #1292 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CCCB Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CCCB Bancorp's Equity-to-Asset compare to CRZY and TCNB?
According to the Banks industry distribution chart, CCCB Bancorp ranks #1292 out of 1524 companies for Equity-to-Asset. This places CCCB Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. CCCB Bancorp's value of 0.06 is 40% below this benchmark. Historically, CCCB Bancorp's own Equity-to-Asset has ranged from 0.06 to 0.10 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, CCCB Bancorp has consistently been below 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. CCCB Bancorp's current Equity-to-Asset of 0.06 is 40% below 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 CCCB 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. CCCB Bancorp's current Equity-to-Asset is 0.06, which is 14% below median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CCCB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CCCB Bancorp (CCYY) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.92, compared to a current price of $11.00 — trading 59% above its estimated fair value. The current Equity-to-Asset is 0.06, which is 14% below median its 10-year median of 0.07 and 40% below the Banks industry median of 0.10. CCCB Bancorp's overall GF Score™ is 47/100 with 7 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 CCCB Bancorp (CCYY), the current Equity-to-Asset is 0.06 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 CCCB Bancorp (CCYY) Overvalued in 2026?
Based on GuruFocus' analysis, CCCB Bancorp stock appears to be overvalued.
The current stock price of $11.00 is trading 59% above its estimated GF Value™ of $6.92.
GuruFocus considers CCCB Bancorp to be Significantly Overvalued.
Key valuation signals for CCYY:
Equity-to-Asset: 0.06 (14% below median its 10-year median of 0.07)
GF Value™: $6.92 vs. price of $11.00 (59% above fair value)
Industry Position: 40% below the Banks median (#1292 of 1524)
No single metric tells the full story. See the CCYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CCCB Bancorp Inc is a banking company that provides financial services through its offices in Clarion County, Venango County, and Erie County. Its services include personal banking, business banking, and e-banking. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial real estate, commercial, and consumer loans.
47GF Score
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