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First Ottawa Bancshares (DE)FOTB +0.44%67 Equity-to-Asset is 0.07 as of Jun. 2026, which is 17% above its 10-year median of 0.06. GuruFocus rates FOTB with a GF Score™ of 67/100 and a GF Value™ of $181.33 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,522 Banks companies, First Ottawa Bancshares (DE) ranks worse than 76.22% on this metric.
First Ottawa Bancshares (DE) (OTCPK:FOTB) 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%.
First Ottawa Bancshares (DE) Equity-to-Asset Related Terms
First Ottawa Bancshares (DE) 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.
First Ottawa Bancshares (DE) Equity-to-Asset Chart
FOTB vs CBTN, PSBQ, FCAP: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First Ottawa Bancshares (DE)'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.
First Ottawa Bancshares (DE) Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Ottawa Bancshares (DE)'s Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First Ottawa Bancshares (DE)'s Equity-to-Asset falls into.
First Ottawa Bancshares (DE) 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.
First Ottawa Bancshares (DE)'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.
First Ottawa Bancshares (DE) (FOTB) has a Equity-to-Asset of 0.07 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Ottawa Bancshares (DE) and its competitors. This is 17% above median its historical median of 0.06. Over the past decade, First Ottawa Bancshares (DE)'s Equity-to-Asset has ranged from 0.05 to 0.13. According to the industry distribution chart, First Ottawa Bancshares (DE) ranks #1160 out of 1522 companies in the Banks industry, placing it in the top 76.2%.
Is First Ottawa Bancshares (DE)'s Equity-to-Asset too high?
First Ottawa Bancshares (DE)'s current Equity-to-Asset of 0.07 is 17% above median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. First Ottawa Bancshares (DE)'s value of 0.07 is 30% below this industry median. Based on the distribution chart, First Ottawa Bancshares (DE) ranks #1160 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Ottawa Bancshares (DE) has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Ottawa Bancshares (DE)'s Equity-to-Asset compare to CBTN and PSBQ?
According to the Banks industry distribution chart, First Ottawa Bancshares (DE) ranks #1160 out of 1522 companies for Equity-to-Asset. This places First Ottawa Bancshares (DE) in the lower half of its industry. The industry median Equity-to-Asset is 0.10. First Ottawa Bancshares (DE)'s value of 0.07 is 30% below this benchmark. Historically, First Ottawa Bancshares (DE)'s own Equity-to-Asset has ranged from 0.05 to 0.13 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.10, First Ottawa Bancshares (DE) 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 1,522 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. First Ottawa Bancshares (DE)'s current Equity-to-Asset of 0.07 is 30% 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 First Ottawa Bancshares (DE) 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. First Ottawa Bancshares (DE)'s current Equity-to-Asset is 0.07, which is 17% above median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Ottawa Bancshares (DE) stock overvalued right now?
Based on GuruFocus' analysis, First Ottawa Bancshares (DE) (FOTB) is currently considered Modestly Overvalued. The stock's GF Value™ is $181.33, compared to a current price of $226.00 — trading 24.6% above its estimated fair value. The current Equity-to-Asset is 0.07, which is 17% above median its 10-year median of 0.06 and 30% below the Banks industry median of 0.10. First Ottawa Bancshares (DE)'s overall GF Score™ is 67/100 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 First Ottawa Bancshares (DE) (FOTB), the current Equity-to-Asset is 0.07 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.
Is First Ottawa Bancshares (DE) (FOTB) Overvalued in 2026?
Based on GuruFocus' analysis, First Ottawa Bancshares (DE) stock appears to be overvalued.
The current stock price of $226.00 is trading 24.6% above its estimated GF Value™ of $181.33.
GuruFocus considers First Ottawa Bancshares (DE) to be Modestly Overvalued.
Key valuation signals for FOTB:
Equity-to-Asset: 0.07 (17% above median its 10-year median of 0.06)
GF Value™: $181.33 vs. price of $226.00 (24.6% above fair value)
Industry Position: 30% below the Banks median (#1160 of 1522)
No single metric tells the full story. See the FOTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Ottawa Bancshares Inc (DE) is a bank holding company. The bank is engaged in providing a full range of banking and financial services to individual and corporate customers in LaSalle, Grundy, Cook, and surrounding counties in Illinois.
67GF Score
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