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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Community Investors Bancorp's Total Liabilities for the quarter that ended in Jun. 2026 was $350.57 Mil. Community Investors Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $373.76 Mil.
Therefore, Community Investors Bancorp's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.94.
Community Investors Bancorp (OTCPK:CIBN) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Community Investors Bancorp Liabilities-to-Assets Related Terms
Community Investors Bancorp Liabilities-to-Assets 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.
Community Investors Bancorp Liabilities-to-Assets Chart
CIBN vs MCHT, SNNF, UNTN: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Community Investors Bancorp's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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.
Community Investors Bancorp Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Community Investors Bancorp's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Community Investors Bancorp's Liabilities-to-Assets falls into.
Community Investors Bancorp Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Community Investors Bancorp's Liabilities-to-Assets Ratio for the fiscal year that ended in Jun. 2026 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.
Community Investors Bancorp (CIBN) has a Liabilities-to-Assets of 0.94 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Community Investors Bancorp and its competitors.
Is Community Investors Bancorp's Liabilities-to-Assets too high?
Community Investors Bancorp's current Liabilities-to-Assets is 0.94. Overall, Community Investors Bancorp has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Investors Bancorp's Liabilities-to-Assets compare to MCHT and SNNF?
Community Investors Bancorp's Liabilities-to-Assets of 0.94 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Community Investors Bancorp and its competitors. Community Investors Bancorp's current Liabilities-to-Assets is 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Investors Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Community Investors Bancorp (CIBN) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.98, compared to a current price of $28.00 — trading 21.8% above its estimated fair value. The current Liabilities-to-Assets is 0.94. Community Investors Bancorp's overall GF Score™ is 47/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Community Investors Bancorp (CIBN), the current Liabilities-to-Assets is 0.94 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 Community Investors Bancorp (CIBN) Overvalued in 2026?
Based on GuruFocus' analysis, Community Investors Bancorp stock appears to be overvalued.
The current stock price of $28.00 is trading 21.8% above its estimated GF Value™ of $22.98.
GuruFocus considers Community Investors Bancorp to be Modestly Overvalued.
Key valuation signals for CIBN:
Liabilities-to-Assets: 0.94
GF Value™: $22.98 vs. price of $28.00 (21.8% above fair value)
No single metric tells the full story. See the CIBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Investors Bancorp Inc operates as a bank holding company engages in the provision of personal and commercial banking services in Ohio. Its banking services include personal, business, loan center, checking accounts, and certificates of deposit, and retirement planning.
47GF Score
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