Atos Bank a.d. (XBLB:ZPKB-R-A) Equity-to-Asset: 0.16 (As of Dec. 2025)


What is Atos Bank a.d. Equity-to-Asset?

Atos Bank a.d. XBLB:ZPKB-R-A Equity-to-Asset is 0.16 as of Dec. 2025.

Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Atos Bank a.d.'s Total Stockholders Equity for the quarter that ended in Dec. 2025 was BAM211.98 Mil. Atos Bank a.d.'s Total Assets for the quarter that ended in Dec. 2025 was BAM1,360.23 Mil. Therefore, Atos Bank a.d.'s Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.16.

The historical rank and industry rank for Atos Bank a.d.'s Equity-to-Asset or its related term are showing as below:

XBLB:ZPKB-R-A's Equity-to-Asset is not ranked *
in the Banks industry.
Industry Median: 0.1
* Ranked among companies with meaningful Equity-to-Asset only.

Atos Bank a.d.  (XBLB:ZPKB-R-A) 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%.

Atos Bank a.d. Equity-to-Asset Related Terms

Atos Bank a.d. Equity-to-Asset Historical Data

* Premium members only.

The historical data trend for Atos Bank a.d.'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.

Atos Bank a.d. Equity-to-Asset Chart

Atos Bank a.d. Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Equity-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.13 0.15 0.15 0.16 0.16

Atos Bank a.d. Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Equity-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.15 0.15 0.16 0.15 0.16

XBLB:ZPKB-R-A vs LCHTF: Equity-to-Asset Comparison

For the Banks - Regional subindustry, Atos Bank a.d.'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.

Atos Bank a.d. Equity-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Atos Bank a.d.'s Equity-to-Asset distribution charts can be found below:

* The bar in red indicates where Atos Bank a.d.'s Equity-to-Asset falls into.


Atos Bank a.d. 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.

Atos Bank a.d.'s Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Equity to Asset (A: Dec. 2025 )=Total Stockholders Equity/Total Assets
=211.976/1360.23
=0.16

Atos Bank a.d.'s Equity to Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

Equity to Asset (Q: Dec. 2025 )=Total Stockholders Equity/Total Assets
=211.976/1360.23
=0.16

* 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.

Frequently Asked Questions Learn more about Equity-to-Asset →
What does a Equity-to-Asset of 0.16 mean?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a Equity-to-Asset of 0.16 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Atos Bank a.d. and its competitors.
Is Atos Bank a.d.'s Equity-to-Asset too high?
Atos Bank a.d.'s current Equity-to-Asset is 0.16. The Banks industry median Equity-to-Asset is 0.10. Atos Bank a.d.'s value of 0.16 is 60% above this industry median.
How does Atos Bank a.d.'s Equity-to-Asset compare to LCHTF?
Atos Bank a.d.'s Equity-to-Asset of 0.16 can be compared against companies in the Banks industry. The industry median Equity-to-Asset is 0.10. Atos Bank a.d.'s value of 0.16 is 60% above this benchmark. 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 1,527 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. Atos Bank a.d.'s current Equity-to-Asset of 0.16 is 60% 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 Atos Bank a.d. 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. Atos Bank a.d.'s current Equity-to-Asset is 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atos Bank a.d. stock overvalued right now?
Atos Bank a.d. (XBLB:ZPKB-R-A) has a current Equity-to-Asset of 0.16. The current Equity-to-Asset is 0.16 and 60% above the Banks industry median of 0.10. 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 Atos Bank a.d. (XBLB:ZPKB-R-A), the current Equity-to-Asset is 0.16 as of Dec. 2025. 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.

Atos Bank a.d. Business Description

Address Jevrejska 71 Street, Banja Luka, BIH, 78000
Atos Bank a.d. operates in the finance and banking sector. It offers various banking services including accounts and payments, package accounts, savings, and cards. The bank also offers online banking, mobile banking, and automated teller machine (ATM) services.