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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. Third Century Bancorp's Total Liabilities for the quarter that ended in Dec. 2025 was $336.02 Mil. Third Century Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $349.19 Mil.
Therefore, Third Century Bancorp's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.96.
Third Century Bancorp (OTCPK:TDCB) 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.
Third Century Bancorp Liabilities-to-Assets Related Terms
Third Century Bancorp Liabilities-to-Assets Historical Data
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The historical data trend for Third Century 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.
TDCB vs TVLF, UNTN, CIBN: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, Third Century 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.
Third Century Bancorp Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, Third Century Bancorp's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Third Century Bancorp's Liabilities-to-Assets falls into.
Third Century 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.
Third Century 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.
Third Century Bancorp (TDCB) has a Liabilities-to-Assets of 0.96 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Third Century Bancorp and its competitors.
Is Third Century Bancorp's Liabilities-to-Assets too high?
Third Century Bancorp's current Liabilities-to-Assets is 0.96. Overall, Third Century Bancorp has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Third Century Bancorp's Liabilities-to-Assets compare to TVLF and UNTN?
Third Century Bancorp's Liabilities-to-Assets of 0.96 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 Third Century Bancorp and its competitors. Third Century Bancorp's current Liabilities-to-Assets is 0.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Third Century Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Third Century Bancorp (TDCB) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.82, compared to a current price of $18.00 — trading 83.3% above its estimated fair value. The current Liabilities-to-Assets is 0.96. Third Century Bancorp's overall GF Score™ is 43/100 with 2 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 Third Century Bancorp (TDCB), the current Liabilities-to-Assets is 0.96 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 Third Century Bancorp (TDCB) Overvalued in 2026?
Based on GuruFocus' analysis, Third Century Bancorp stock appears to be overvalued.
The current stock price of $18.00 is trading 83.3% above its estimated GF Value™ of $9.82.
GuruFocus considers Third Century Bancorp to be Significantly Overvalued.
Key valuation signals for TDCB:
Liabilities-to-Assets: 0.96
GF Value™: $9.82 vs. price of $18.00 (83.3% above fair value)
No single metric tells the full story. See the TDCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Third Century Bancorp operates as a holding company. It provides banking and financial services to individual and corporate customers. The bank offers a variety of deposit products, loans, mortgages, residential, commercial and consumer lending products. It also offers a full suite of deposit products, including savings, checking, money market accounts, as well as term deposits in the form of CDs and IRAs. The Bank also offers and supports a full line of digital banking products.
43GF 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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