FPBC (First Pacific Bancorp) LT-Debt-to-Total-Asset: 0.07 (As of Mar. 2026)

What is First Pacific Bancorp LT-Debt-to-Total-Asset?

First Pacific Bancorp FPBC 59 LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus rates FPBC with a GF Score™ of 59/100 and a GF Value™ of $6.53 (Fairly Valued). The stock has 5 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. First Pacific Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.07.

First Pacific Bancorp's long-term debt to total assets ratio increased from Mar. 2025 (0.05) to Mar. 2026 (0.07). It may suggest that First Pacific Bancorp is progressively becoming more dependent on debt to grow their business.

First Pacific Bancorp (OTCPK:FPBC) 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 Pacific Bancorp LT-Debt-to-Total-Asset Related Terms

First Pacific Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for First Pacific 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.

First Pacific Bancorp LT-Debt-to-Total-Asset Chart

First Pacific Bancorp Annual Data

Trend

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.04

0.18

0.11

0.09

0.07

First Pacific Bancorp Quarterly Data
	Dec20	Mar21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.05	0.12	0.10	0.07	0.07

59GF Score

First Pacific Bancorp FPBC

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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First Pacific Bancorp LT-Debt-to-Total-Asset Calculation

First Pacific 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 )
	=	36.287	/	489.616
	=	0.07

First Pacific Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	33.269	/	490.312
	=	0.07

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.07 mean?

First Pacific Bancorp (FPBC) has a LT-Debt-to-Total-Asset of 0.07 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on First Pacific Bancorp and its competitors.

Is First Pacific Bancorp's LT-Debt-to-Total-Asset too high?

First Pacific Bancorp's current LT-Debt-to-Total-Asset is 0.07. Overall, First Pacific Bancorp has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does First Pacific Bancorp's LT-Debt-to-Total-Asset compare to FBPI and WVFC?

First Pacific Bancorp's LT-Debt-to-Total-Asset of 0.07 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 Pacific Bancorp and its competitors. First Pacific Bancorp's current LT-Debt-to-Total-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is First Pacific Bancorp stock overvalued right now?

Based on GuruFocus' analysis, First Pacific Bancorp (FPBC) is currently considered Fairly Valued. The stock's GF Value™ is $6.53, compared to a current price of $6.00 — trading 8.1% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. First Pacific Bancorp's overall GF Score™ is 59/100 with 5 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 First Pacific Bancorp (FPBC), the current LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. 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 First Pacific Bancorp (FPBC) Overvalued in 2026?

Based on GuruFocus' analysis, First Pacific Bancorp stock appears to be undervalued. The current stock price of $6.00 is trading 8.1% below its estimated GF Value™ of $6.53. GuruFocus considers First Pacific Bancorp to be Fairly Valued.

Key valuation signals for FPBC:

LT-Debt-to-Total-Asset: 0.07
GF Value™: $6.53 vs. price of $6.00 (8.1% below fair value)
GF Score™: 59/100 with 5 warning signs

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

First Pacific Bancorp Business Description

Industry Financial Services Banks

Comparable Companies FBPI WVFC ECLP HRBK MNBO BCCB CNAF GTPS SNNF UNIF SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 16011 E Whittier Boulevard, Whittier, CA, USA, 90603

Website https://www.firstpacbank.com

First Pacific Bancorp is engaged in the banking business. The bank offers custom financial solutions for individuals and businesses. The bank offers services such as mobile banking, consumer loans, personal online banking, personal savings and checking plans, business professional services, cash management services, and additional financial services, among others. Its principal source of revenue is providing loans to customers, who are small and middle-market businesses and individuals.

59GF Score

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$6.00

Price

$6.53

GF Value

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