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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. Oregon Pacific Bancorp's Total Liabilities for the quarter that ended in Dec. 2025 was $734.40 Mil. Oregon Pacific Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $812.22 Mil.
Therefore, Oregon Pacific Bancorp's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.90.
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.
Oregon Pacific Bancorp Liabilities-to-Assets Related Terms
Oregon Pacific Bancorp Liabilities-to-Assets Historical Data
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The historical data trend for Oregon Pacific Bancorp'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.
ORPB vs CZBC, MCBK, SLRK: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Oregon Pacific 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.
Oregon Pacific Bancorp Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Oregon Pacific Bancorp's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Oregon Pacific Bancorp'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.
Oregon Pacific Bancorp'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.
Oregon Pacific Bancorp (ORPB) has a Liabilities-to-Assets of 0.90 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Oregon Pacific Bancorp and its competitors.
Is Oregon Pacific Bancorp's Liabilities-to-Assets too high?
Oregon Pacific Bancorp's current Liabilities-to-Assets is 0.90. Overall, Oregon Pacific Bancorp has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Oregon Pacific Bancorp's Liabilities-to-Assets compare to CZBC and MCBK?
Oregon Pacific Bancorp's Liabilities-to-Assets of 0.90 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 Oregon Pacific Bancorp and its competitors. Oregon Pacific Bancorp's current Liabilities-to-Assets is 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oregon Pacific Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Oregon Pacific Bancorp (ORPB) is currently considered Modestly Undervalued. The stock's GF Value™ is $15.33, compared to a current price of $12.25 — trading 20.1% below its estimated fair value. The current Liabilities-to-Assets is 0.90. Oregon Pacific Bancorp's overall GF Score™ is 68/100 with 3 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 Oregon Pacific Bancorp (ORPB), the current Liabilities-to-Assets is 0.90 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 Oregon Pacific Bancorp (ORPB) Overvalued in 2026?
Based on GuruFocus' analysis, Oregon Pacific Bancorp stock appears to be undervalued.
The current stock price of $12.25 is trading 20.1% below its estimated GF Value™ of $15.33.
GuruFocus considers Oregon Pacific Bancorp to be Modestly Undervalued.
Key valuation signals for ORPB:
Liabilities-to-Assets: 0.90
GF Value™: $15.33 vs. price of $12.25 (20.1% below fair value)
No single metric tells the full story. See the ORPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oregon Pacific Bancorp is a holding company based in the United States. Through its subsidiaries, it mainly provides banking products and services from full-service branches in Florence, Eugene, Portland, Coos Bay, Roseburg, and Medford. Additionally, it offers trust and wealth management products and services. The various financial services offered by the Group include full-service banking for both individual and business customers, which includes checking, savings, money market, and time deposit accounts; internet banking, online bill pay, and mobile banking services; lending services, including commercial and consumer; wealth management solutions; trust services; and others.
68GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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