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First Berlin BancorpFTFI +3.23%48 Equity-to-Asset is 0.12 as of Jun. 2026, which is 20% above its 10-year median of 0.10. GuruFocus rates FTFI with a GF Score™ of 48/100 and a GF Value™ of $30.74 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,518 Banks companies, First Berlin Bancorp ranks better than 71.94% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. First Berlin Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $86.31 Mil. First Berlin Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $750.01 Mil.
Therefore, First Berlin Bancorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.12.
The historical rank and industry rank for First Berlin Bancorp's Equity-to-Asset or its related term are showing as below:
FTFI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.1 Max: 0.12
Current: 0.12
During the past 5 years, the highest Equity to Asset Ratio of First Berlin Bancorp was 0.12. The lowest was 0.09. And the median was 0.10.
FTFI's Equity-to-Asset is ranked better than 71.94% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs FTFI: 0.12
First Berlin Bancorp (OTCPK:FTFI) 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 Berlin Bancorp Equity-to-Asset Related Terms
First Berlin Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for First Berlin 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.
FTFI vs CNBB, RVSB, STBK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First Berlin 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.
First Berlin Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Berlin Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First Berlin 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.
First Berlin 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.
First Berlin Bancorp (FTFI) has a Equity-to-Asset of 0.12 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 Berlin Bancorp and its competitors. This is 20% above median its historical median of 0.10. Over the past decade, First Berlin Bancorp's Equity-to-Asset has ranged from 0.09 to 0.12. According to the industry distribution chart, First Berlin Bancorp ranks #426 out of 1518 companies in the Banks industry, placing it in the top 28.1%.
Is First Berlin Bancorp's Equity-to-Asset too high?
First Berlin Bancorp's current Equity-to-Asset of 0.12 is 20% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. First Berlin Bancorp's value of 0.12 is 20% above this industry median. Based on the distribution chart, First Berlin Bancorp ranks #426 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, First Berlin Bancorp has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Berlin Bancorp's Equity-to-Asset compare to CNBB and RVSB?
According to the Banks industry distribution chart, First Berlin Bancorp ranks #426 out of 1518 companies for Equity-to-Asset. This puts First Berlin Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. First Berlin Bancorp's value of 0.12 is 20% above this benchmark. Historically, First Berlin Bancorp's own Equity-to-Asset has ranged from 0.09 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, First Berlin 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. First Berlin Bancorp's current Equity-to-Asset of 0.12 is 20% 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 First Berlin 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. First Berlin Bancorp's current Equity-to-Asset is 0.12, which is 20% above median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Berlin Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Berlin Bancorp (FTFI) is currently considered Modestly Overvalued. The stock's GF Value™ is $30.74, compared to a current price of $40.00 — trading 30.1% above its estimated fair value. The current Equity-to-Asset is 0.12, which is 20% above median its 10-year median of 0.10 and 20% above the Banks industry median of 0.10. First Berlin Bancorp's overall GF Score™ is 48/100 with 4 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 Berlin Bancorp (FTFI), the current Equity-to-Asset is 0.12 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 Berlin Bancorp (FTFI) Overvalued in 2026?
Based on GuruFocus' analysis, First Berlin Bancorp stock appears to be overvalued.
The current stock price of $40.00 is trading 30.1% above its estimated GF Value™ of $30.74.
GuruFocus considers First Berlin Bancorp to be Modestly Overvalued.
Key valuation signals for FTFI:
Equity-to-Asset: 0.12 (20% above median its 10-year median of 0.10)
GF Value™: $30.74 vs. price of $40.00 (30.1% above fair value)
Industry Position: 20% above the Banks median (#426 of 1518)
No single metric tells the full story. See the FTFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Berlin Bancorp Inc is a state charted bank providing a full range of financial services including the granting of agribusiness, commercial, residential and consumer loans and accepting deposits from customers mainly in Central Wisconsin.
48GF Score
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