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Tri County Financial GroupTYFG 56 Equity-to-Asset is 0.10 as of Mar. 2026, which is 11% above its 10-year median of 0.09. GuruFocus rates TYFG with a GF Score™ of 56/100 and a GF Value™ of $54.86 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Tri County Financial Group ranks better than 55.05% on this metric.
The historical rank and industry rank for Tri County Financial Group's Equity-to-Asset or its related term are showing as below:
TYFG'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.09 Max: 0.1
Current: 0.1
During the past 10 years, the highest Equity to Asset Ratio of Tri County Financial Group was 0.10. The lowest was 0.07. And the median was 0.09.
TYFG's Equity-to-Asset is ranked better than 55.05% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs TYFG: 0.10
Tri County Financial Group (OTCPK:TYFG) 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%.
Tri County Financial Group Equity-to-Asset Related Terms
Tri County Financial Group 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.
TYFG vs PONT, ARBV, SLBK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Tri County Financial Group'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.
Tri County Financial Group Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Tri County Financial Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Tri County Financial Group's Equity-to-Asset falls into.
Tri County Financial Group 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.
Tri County Financial Group'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.
Tri County Financial Group (TYFG) has a Equity-to-Asset of 0.10 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Tri County Financial Group and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, Tri County Financial Group's Equity-to-Asset has ranged from 0.07 to 0.10. According to the industry distribution chart, Tri County Financial Group ranks #686 out of 1526 companies in the Banks industry, placing it in the top 45%.
Is Tri County Financial Group's Equity-to-Asset too high?
Tri County Financial Group's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Tri County Financial Group's value of 0.10 is 0% at this industry median. Based on the distribution chart, Tri County Financial Group ranks #686 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Tri County Financial Group has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri County Financial Group's Equity-to-Asset compare to PONT and ARBV?
According to the Banks industry distribution chart, Tri County Financial Group ranks #686 out of 1526 companies for Equity-to-Asset. This puts Tri County Financial Group in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Tri County Financial Group's value of 0.10 is 0% at this benchmark. Historically, Tri County Financial Group's own Equity-to-Asset has ranged from 0.07 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Tri County Financial Group 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 1,526 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. Tri County Financial Group'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 Tri County Financial Group 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. Tri County Financial Group's current Equity-to-Asset is 0.10, which is 11% above 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 Tri County Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Tri County Financial Group (TYFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $54.86, compared to a current price of $66.20 — trading 20.7% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. Tri County Financial Group's overall GF Score™ is 56/100 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 Tri County Financial Group (TYFG), the current Equity-to-Asset is 0.10 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 Tri County Financial Group (TYFG) Overvalued in 2026?
Based on GuruFocus' analysis, Tri County Financial Group stock appears to be overvalued.
The current stock price of $66.20 is trading 20.7% above its estimated GF Value™ of $54.86.
GuruFocus considers Tri County Financial Group to be Modestly Overvalued.
Key valuation signals for TYFG:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $54.86 vs. price of $66.20 (20.7% above fair value)
Industry Position: 0% at the Banks median (#686 of 1526)
No single metric tells the full story. See the TYFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tri County Financial Group Inc is a United States-based bank holding company. Through its subsidiaries, it is engaged in providing comprehensive banking services and other financial products and services mainly in north central Illinois. The group caters to individuals as well as to small and medium-sized businesses, by offering demand, savings, and time deposits, and various types of loans such as industrial loans, real estate loans, one-to-four family residential mortgage loans, agricultural loans, etc. Additionally, it offers home, auto, motorcycle, farm, crop hail, multi-peril, health, and life insurance products. The group has two reportable segments: Commercial Banking, which generates the maximum revenue, and Mortgage Banking.
56GF Score
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