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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%.
Northeast Indiana Bancorp Equity-to-Asset Related Terms
Northeast Indiana Bancorp 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.
NIDB vs FFWC, CIBH, DENI: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Northeast Indiana 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.
Northeast Indiana Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Northeast Indiana Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Northeast Indiana 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.
Northeast Indiana 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.
Northeast Indiana Bancorp (NIDB) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Northeast Indiana Bancorp and its competitors. This is near median its historical median of 0.10. Over the past decade, Northeast Indiana Bancorp's Equity-to-Asset has ranged from 0.09 to 0.12. According to the industry distribution chart, Northeast Indiana Bancorp ranks #692 out of 1518 companies in the Banks industry, placing it in the top 45.6%.
Is Northeast Indiana Bancorp's Equity-to-Asset too high?
Northeast Indiana Bancorp's current Equity-to-Asset of 0.10 is near 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. Northeast Indiana Bancorp's value of 0.10 is 0% at this industry median. Based on the distribution chart, Northeast Indiana Bancorp ranks #692 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Northeast Indiana Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Northeast Indiana Bancorp's Equity-to-Asset compare to FFWC and CIBH?
According to the Banks industry distribution chart, Northeast Indiana Bancorp ranks #692 out of 1518 companies for Equity-to-Asset. This puts Northeast Indiana Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Northeast Indiana Bancorp's value of 0.10 is 0% at this benchmark. Historically, Northeast Indiana 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, Northeast Indiana Bancorp has consistently been at 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. Northeast Indiana Bancorp's current Equity-to-Asset of 0.10 is 0% at 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 Northeast Indiana 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. Northeast Indiana Bancorp's current Equity-to-Asset is 0.10, which is near 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 Northeast Indiana Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Northeast Indiana Bancorp (NIDB) is currently considered Fairly Valued. The stock's GF Value™ is $22.69, compared to a current price of $24.25 — trading 6.9% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. Northeast Indiana Bancorp's overall GF Score™ is 62/100 with 3 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 Northeast Indiana Bancorp (NIDB), the current Equity-to-Asset is 0.10 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 Northeast Indiana Bancorp (NIDB) Overvalued in 2026?
Based on GuruFocus' analysis, Northeast Indiana Bancorp stock appears to be overvalued.
The current stock price of $24.25 is trading 6.9% above its estimated GF Value™ of $22.69.
GuruFocus considers Northeast Indiana Bancorp to be Fairly Valued.
Key valuation signals for NIDB:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: $22.69 vs. price of $24.25 (6.9% above fair value)
Industry Position: 0% at the Banks median (#692 of 1518)
No single metric tells the full story. See the NIDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Northeast Indiana Bancorp Inc is a financial services company and bank holding company that provides commercial and residential real estate loans in the United States. It operates through Residential Mortgage, Commercial Mortgage, Construction and Land Development, Commercial and Industrial, and Consumer segments. The bank offers key personal products such as checking and savings accounts, debit cards, and deposits, as well as business services including checking accounts, merchant services, and cash management.
62GF Score
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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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