CCBC (Chino Commercial Bancorp) LT-Debt-to-Total-Asset: 0.03 (As of Dec. 2025)


CCBC Chino Commercial Bancorp CCBC
58 GF Score
Price $17.75
GF Value $12.79
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Chino Commercial Bancorp LT-Debt-to-Total-Asset?

Chino Commercial Bancorp CCBC -5.33% 58 LT-Debt-to-Total-Asset is 0.03 as of Dec. 2025. GuruFocus rates CCBC with a GF Score™ of 58/100 and a GF Value™ of $12.79 (Significantly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Chino Commercial Bancorp's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.03.

Chino Commercial Bancorp's long-term debt to total assets ratio declined from Dec. 2023 (0.06) to Dec. 2025 (0.03). It may suggest that Chino Commercial Bancorp is progressively becoming less dependent on debt to grow their business.

Chino Commercial Bancorp  (OTCPK:CCBC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Chino Commercial Bancorp LT-Debt-to-Total-Asset Related Terms

Chino Commercial Bancorp LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Chino Commercial Bancorp's LT-Debt-to-Total-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.

Chino Commercial Bancorp LT-Debt-to-Total-Asset Chart

Chino Commercial Bancorp Annual Data
Trend Dec10 Dec11 Dec12 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.07 0.07 0.06 0.03 0.03

Chino Commercial Bancorp Semi-Annual Data
Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-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 0.07 0.07 0.06 0.03 0.03
CCBC
58GF Score
Chino Commercial Bancorp CCBC
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Chino Commercial Bancorp LT-Debt-to-Total-Asset Calculation

Chino Commercial Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=13.093/494.163
=0.03

Chino Commercial Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=13.093/494.163
=0.03

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.03 mean?
Chino Commercial Bancorp (CCBC) has a LT-Debt-to-Total-Asset of 0.03 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Chino Commercial Bancorp and its competitors.
Is Chino Commercial Bancorp's LT-Debt-to-Total-Asset too high?
Chino Commercial Bancorp's current LT-Debt-to-Total-Asset is 0.03. Overall, Chino Commercial Bancorp has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chino Commercial Bancorp's LT-Debt-to-Total-Asset compare to FBTT and HCBN?
Chino Commercial Bancorp's LT-Debt-to-Total-Asset of 0.03 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Chino Commercial Bancorp and its competitors. Chino Commercial Bancorp's current LT-Debt-to-Total-Asset is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chino Commercial Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Chino Commercial Bancorp (CCBC) is currently considered Significantly Overvalued. The stock's GF Value™ is $12.79, compared to a current price of $17.75 — trading 38.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. Chino Commercial Bancorp's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current LT-Debt-to-Total-Asset is 0.03 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 Chino Commercial Bancorp (CCBC) Overvalued in 2026?

Based on GuruFocus' analysis, Chino Commercial Bancorp stock appears to be overvalued. The current stock price of $17.75 is trading 38.8% above its estimated GF Value™ of $12.79. GuruFocus considers Chino Commercial Bancorp to be Significantly Overvalued.

Key valuation signals for CCBC:

  • LT-Debt-to-Total-Asset: 0.03
  • GF Value™: $12.79 vs. price of $17.75 (38.8% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the CCBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Chino Commercial Bancorp Business Description

Address 14245 Pipeline Avenue, Chino, CA, USA, 91710
Chino Commercial Bancorp is a bank holding company based in the United States. Along with its banking subsidiary, it provides a variety of commercial banking services to individuals and small businesses, mainly in the Inland Empire region of Southern California. Its portfolio products and services mainly include lending products such as real estate loans, commercial loans, personal loans, etc, and deposit products such as non-interest-bearing deposits and money market accounts. Additionally, the company also offers cash management solutions, online banking, tele banking, and other banking services. These services are offered through full-service offices in Chino, Ontario, Rancho Cucamonga, Upland, and Corona, California.
58GF Score

Get the complete analysis for CCBC

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.75
Price
$12.79
GF Value