FCBM (First Carolina Financial Services) LT-Debt-to-Total-Asset: 0.02 (As of Dec. 2025)

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FCBM First Carolina Financial Services Inc FCBM
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What is First Carolina Financial Services LT-Debt-to-Total-Asset?

First Carolina Financial Services FCBM +0.97% 10 LT-Debt-to-Total-Asset is 0.02 as of Dec. 2025. GuruFocus rates FCBM with a GF Score™ of 10/100.

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. First Carolina Financial Services's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.02.

First Carolina Financial Services's long-term debt to total assets ratio declined from Dec. 2023 (0.02) to Dec. 2025 (0.02). It may suggest that First Carolina Financial Services is progressively becoming less dependent on debt to grow their business.

First Carolina Financial Services  (NYSE:FCBM) 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.

First Carolina Financial Services LT-Debt-to-Total-Asset Related Terms

First Carolina Financial Services LT-Debt-to-Total-Asset Historical Data

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The historical data trend for First Carolina Financial Services'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.

First Carolina Financial Services LT-Debt-to-Total-Asset Chart

First Carolina Financial Services Annual Data
Trend Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
0.02 0.02 0.02

First Carolina Financial Services Semi-Annual Data
Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset 0.02 0.02 0.02
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First Carolina Financial Services Inc FCBM
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First Carolina Financial Services LT-Debt-to-Total-Asset Calculation

First Carolina Financial Services'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 )
=63.436/3317.508
=0.02

First Carolina Financial Services'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 )
=63.436/3317.508
=0.02

* 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 0.02 mean?
First Carolina Financial Services (FCBM) has a LT-Debt-to-Total-Asset of 0.02 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 First Carolina Financial Services and its competitors.
Is First Carolina Financial Services' LT-Debt-to-Total-Asset too high?
First Carolina Financial Services' current LT-Debt-to-Total-Asset is 0.02. Overall, First Carolina Financial Services has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does First Carolina Financial Services' LT-Debt-to-Total-Asset compare to FRST and PKBK?
First Carolina Financial Services' LT-Debt-to-Total-Asset of 0.02 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 First Carolina Financial Services and its competitors. First Carolina Financial Services's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Carolina Financial Services stock overvalued right now?
First Carolina Financial Services (FCBM) has a current LT-Debt-to-Total-Asset of 0.02. The current LT-Debt-to-Total-Asset is 0.02. First Carolina Financial Services' overall GF Score™ is 10/100. 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 First Carolina Financial Services (FCBM), the current LT-Debt-to-Total-Asset is 0.02 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.

First Carolina Financial Services Business Description

Address 2626 Glenwood Avenue, Suite 200, Raleigh, NC, USA, 27608
First Carolina Financial Services Inc is a bank holding company. The company's activities consist of managing and owning the Bank and its direct and indirect subsidiaries. The Bank provides commercial banking, payment, consumer banking, and wealth management services to small and medium-sized businesses, individuals, professionals, as well as institutions of higher education. It has four primary lines of business: Commercial Banking, Payments, Consumer Banking and Wealth Management. The reportable segments are Community Banking and BM Tech. The majority of revenue is derived from the Community Banking segment, which comprises activities of a traditional banking institution, gathering deposits and originating loans for portfolio in its respective primary market areas.
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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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