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Fifth District BancorpFDSB -0.80%14 Equity-to-Asset is 0.24 as of Jun. 2026, which is at its 10-year median of 0.24. GuruFocus rates FDSB with a GF Score™ of 14/100. The stock has 6 warning signs investors should review. Among 1,518 Banks companies, Fifth District Bancorp ranks better than 94.99% on this metric.
Fifth District Bancorp (NAS:FDSB) Equity-to-Asset Explanation
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%.
Fifth District Bancorp Equity-to-Asset Related Terms
Fifth District Bancorp Equity-to-Asset Historical Data
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The historical data trend for Fifth District 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.
FDSB vs CULL, BSFO, SEBC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Fifth District 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.
Fifth District Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Fifth District Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Fifth District Bancorp's Equity-to-Asset falls into.
Fifth District Bancorp Equity-to-Asset Calculation
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.
Fifth District 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.
Fifth District Bancorp (FDSB) has a Equity-to-Asset of 0.24 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Fifth District Bancorp and its competitors. This is near median its historical median of 0.24. Over the past decade, Fifth District Bancorp's Equity-to-Asset has ranged from 0.15 to 0.24. According to the industry distribution chart, Fifth District Bancorp ranks #76 out of 1518 companies in the Banks industry, placing it in the top 5%.
Is Fifth District Bancorp's Equity-to-Asset too high?
Fifth District Bancorp's current Equity-to-Asset of 0.24 is near median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.24. The Banks industry median Equity-to-Asset is 0.10. Fifth District Bancorp's value of 0.24 is 140% above this industry median. Based on the distribution chart, Fifth District Bancorp ranks #76 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Fifth District Bancorp has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Fifth District Bancorp's Equity-to-Asset compare to CULL and BSFO?
According to the Banks industry distribution chart, Fifth District Bancorp ranks #76 out of 1518 companies for Equity-to-Asset. This places Fifth District Bancorp in the top 5% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Fifth District Bancorp's value of 0.24 is 140% above this benchmark. Historically, Fifth District Bancorp's own Equity-to-Asset has ranged from 0.15 to 0.24 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.10, Fifth District Bancorp has consistently been above 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 1,518 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. Fifth District Bancorp's current Equity-to-Asset of 0.24 is 140% above 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 Fifth District 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. Fifth District Bancorp's current Equity-to-Asset is 0.24, which is near median its own 10-year median of 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fifth District Bancorp stock overvalued right now?
Fifth District Bancorp (FDSB) has a current Equity-to-Asset of 0.24. The current Equity-to-Asset is 0.24, which is near median its 10-year median of 0.24 and 140% above the Banks industry median of 0.10. Fifth District Bancorp's overall GF Score™ is 14/100 with 6 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 Fifth District Bancorp (FDSB), the current Equity-to-Asset is 0.24 as of Jun. 2026. 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.
Fifth District Bancorp inc is a holding company of Fifth District. The company's loan portfolio consists mainly of fixed-rate one- to four-family residential mortgage loans. It also originates construction loans (residential and commercial), home equity loans, home equity lines of credit, land loans, commercial real estate loans, commercial and industrial loans, and share loans (secured by deposit accounts), and purchase consumer and commercial business loans. The company offers a variety of deposit accounts, including checking accounts, money market accounts, and certificates of deposit. In addition, it offers electronic banking services including mobile banking, online banking, telephone banking, bill pay, and electronic funds transfer via SmartPay.
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