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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. Fcn Banc's Total Liabilities for the quarter that ended in Dec. 2025 was $729.95 Mil. Fcn Banc's Total Assets for the quarter that ended in Dec. 2025 was $793.26 Mil.
Therefore, Fcn Banc's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.92.
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.
Fcn Banc Liabilities-to-Assets Related Terms
Fcn Banc Liabilities-to-Assets Historical Data
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The historical data trend for Fcn Banc's Liabilities-to-Assets 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.
FBVI vs STBI, PGNN, FMFG: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Fcn Banc'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.
Fcn Banc Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Fcn Banc's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Fcn Banc's Liabilities-to-Assets falls into.
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.
Fcn Banc's Liabilities-to-Assets 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.
Fcn Banc (FBVI) has a Liabilities-to-Assets of 0.92 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Fcn Banc and its competitors.
Is Fcn Banc's Liabilities-to-Assets too high?
Fcn Banc's current Liabilities-to-Assets is 0.92. Overall, Fcn Banc has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fcn Banc's Liabilities-to-Assets compare to STBI and PGNN?
Fcn Banc's Liabilities-to-Assets of 0.92 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 Fcn Banc and its competitors. Fcn Banc's current Liabilities-to-Assets is 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fcn Banc stock overvalued right now?
Based on GuruFocus' analysis, Fcn Banc (FBVI) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.17, compared to a current price of $39.00 — trading 14.1% above its estimated fair value. The current Liabilities-to-Assets is 0.92. Fcn Banc's overall GF Score™ is 63/100 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 Fcn Banc (FBVI), the current Liabilities-to-Assets is 0.92 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.
Is Fcn Banc (FBVI) Overvalued in 2026?
Based on GuruFocus' analysis, Fcn Banc stock appears to be overvalued.
The current stock price of $39.00 is trading 14.1% above its estimated GF Value™ of $34.17.
GuruFocus considers Fcn Banc to be Modestly Overvalued.
Key valuation signals for FBVI:
Liabilities-to-Assets: 0.92
GF Value™: $34.17 vs. price of $39.00 (14.1% above fair value)
No single metric tells the full story. See the FBVI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fcn Banc Corp provides banking services. It provides personal and business banking services which consists of deposits, loans, mortgage. The Bank conducts a general banking business in southeast Indiana and southwest Ohio which consists of attracting deposits from the general public and applying those funds to the origination of loans for residential, consumer and commercial purposes.
63GF Score
Get the complete analysis for FBVI
Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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