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High Country BancorpHCBC 61 Equity-to-Asset is 0.08 as of Mar. 2026, which is 11% below its 10-year median of 0.09. GuruFocus rates HCBC with a GF Score™ of 61/100 and a GF Value™ of $38.86 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, High Country Bancorp ranks worse than 66.69% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. High Country Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $44.17 Mil. High Country Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $524.52 Mil.
Therefore, High Country Bancorp's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.08.
The historical rank and industry rank for High Country Bancorp's Equity-to-Asset or its related term are showing as below:
HCBC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.09 Max: 0.11
Current: 0.08
During the past 13 years, the highest Equity to Asset Ratio of High Country Bancorp was 0.11. The lowest was 0.08. And the median was 0.09.
HCBC's Equity-to-Asset is ranked worse than 66.69% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs HCBC: 0.08
High Country Bancorp (OTCPK:HCBC) 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%.
High Country Bancorp Equity-to-Asset Related Terms
High Country Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for High Country 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.
HCBC vs MBBC, HFBA, TMAK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, High Country 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.
High Country Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, High Country Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where High Country 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.
High Country Bancorp's Equity to Asset Ratio for the fiscal year that ended in Jun. 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.
High Country Bancorp (HCBC) has a Equity-to-Asset of 0.08 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on High Country Bancorp and its competitors. This is 11% below median its historical median of 0.09. Over the past decade, High Country Bancorp's Equity-to-Asset has ranged from 0.08 to 0.11. According to the industry distribution chart, High Country Bancorp ranks #1017 out of 1525 companies in the Banks industry, placing it in the top 66.7%.
Is High Country Bancorp's Equity-to-Asset too high?
High Country Bancorp's current Equity-to-Asset of 0.08 is 11% below 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. High Country Bancorp's value of 0.08 is 20% below this industry median. Based on the distribution chart, High Country Bancorp ranks #1017 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, High Country Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does High Country Bancorp's Equity-to-Asset compare to MBBC and HFBA?
According to the Banks industry distribution chart, High Country Bancorp ranks #1017 out of 1525 companies for Equity-to-Asset. This places High Country Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. High Country Bancorp's value of 0.08 is 20% below this benchmark. Historically, High Country 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, High Country 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 1,525 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. High Country Bancorp's current Equity-to-Asset of 0.08 is 20% 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 High Country 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. High Country Bancorp's current Equity-to-Asset is 0.08, which is 11% below 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 High Country Bancorp stock overvalued right now?
Based on GuruFocus' analysis, High Country Bancorp (HCBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.86, compared to a current price of $44.08 — trading 13.4% above its estimated fair value. The current Equity-to-Asset is 0.08, which is 11% below median its 10-year median of 0.09 and 20% below the Banks industry median of 0.10. High Country Bancorp's overall GF Score™ is 61/100 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 High Country Bancorp (HCBC), the current Equity-to-Asset is 0.08 as of Mar. 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 High Country Bancorp (HCBC) Overvalued in 2026?
Based on GuruFocus' analysis, High Country Bancorp stock appears to be overvalued.
The current stock price of $44.08 is trading 13.4% above its estimated GF Value™ of $38.86.
GuruFocus considers High Country Bancorp to be Modestly Overvalued.
Key valuation signals for HCBC:
Equity-to-Asset: 0.08 (11% below median its 10-year median of 0.09)
GF Value™: $38.86 vs. price of $44.08 (13.4% above fair value)
Industry Position: 20% below the Banks median (#1017 of 1525)
No single metric tells the full story. See the HCBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
High Country Bancorp Inc is a bank holding company. Through its subsidiaries, it provides a variety of financial services mainly in Salida, Buena Vista, Canon City, and Longmont, Colorado. The group's primary deposit products include non-interest-bearing and interest-bearing checking accounts, savings accounts, and time deposit accounts. Its primary lending products are real estate mortgages, construction loans, consumer loans, and commercial loans. Additionally, it also offers online banking services. The group serves both individuals and business clients.
61GF Score
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