MetroCity Bankshares (FRA:7IR) LT-Debt-to-Total-Asset: 0.09 (As of Mar. 2026)

What is MetroCity Bankshares LT-Debt-to-Total-Asset?

MetroCity Bankshares FRA:7IR 71 LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. GuruFocus rates FRA:7IR with a GF Score™ of 71/100 and a GF Value™ of €29.70 (Fairly Valued). The stock has 7 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. MetroCity Bankshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.09.

MetroCity Bankshares's long-term debt to total assets ratio declined from Mar. 2025 (0.12) to Mar. 2026 (0.09). It may suggest that MetroCity Bankshares is progressively becoming less dependent on debt to grow their business.

MetroCity Bankshares (FRA:7IR) 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.

MetroCity Bankshares LT-Debt-to-Total-Asset Related Terms

MetroCity Bankshares LT-Debt-to-Total-Asset Historical Data

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The historical data trend for MetroCity Bankshares'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.

MetroCity Bankshares LT-Debt-to-Total-Asset Chart

MetroCity Bankshares Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.16

0.11

0.10

0.11

0.08

MetroCity Bankshares Quarterly Data
	Jun21	Sep21	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															0.12	0.12	0.12	0.08	0.09

71GF Score

MetroCity Bankshares Inc FRA:7IR

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

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MetroCity Bankshares LT-Debt-to-Total-Asset Calculation

MetroCity Bankshares'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 )
	=	330.167	/	4072.214
	=	0.08

MetroCity Bankshares'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 )
	=	380.181	/	4055.42
	=	0.09

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

What does a LT-Debt-to-Total-Asset of 0.09 mean?

MetroCity Bankshares (FRA:7IR) has a LT-Debt-to-Total-Asset of 0.09 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 MetroCity Bankshares and its competitors.

Is MetroCity Bankshares' LT-Debt-to-Total-Asset too high?

MetroCity Bankshares' current LT-Debt-to-Total-Asset is 0.09. Overall, MetroCity Bankshares has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does MetroCity Bankshares' LT-Debt-to-Total-Asset compare to EQBK and ESQ?

MetroCity Bankshares' LT-Debt-to-Total-Asset of 0.09 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 MetroCity Bankshares and its competitors. MetroCity Bankshares's current LT-Debt-to-Total-Asset is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is MetroCity Bankshares stock overvalued right now?

Based on GuruFocus' analysis, MetroCity Bankshares (FRA:7IR) is currently considered Fairly Valued. The stock's GF Value™ is €29.70, compared to a current price of €31.80 — trading 7.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. MetroCity Bankshares' overall GF Score™ is 71/100 with 7 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 MetroCity Bankshares (FRA:7IR), the current LT-Debt-to-Total-Asset is 0.09 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 MetroCity Bankshares (FRA:7IR) Overvalued in 2026?

Based on GuruFocus' analysis, MetroCity Bankshares stock appears to be overvalued. The current stock price of €31.80 is trading 7.1% above its estimated GF Value™ of €29.70. GuruFocus considers MetroCity Bankshares to be Fairly Valued.

Key valuation signals for FRA:7IR:

LT-Debt-to-Total-Asset: 0.09
GF Value™: €29.70 vs. price of €31.80 (7.1% above fair value)
GF Score™: 71/100 with 7 warning signs

No single metric tells the full story. See the FRA:7IR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

MetroCity Bankshares Business Description

Industry Financial Services Banks

Comparable Companies EQBK ESQ FSBC FBAK BFST HBNC SBSI CCNE AMTB CFFN SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges MCBS:USA

Address 5114 Buford Highway, Doraville, GA, USA, 30340

Website https://www.metrocitybank.com

MetroCity Bankshares Inc is a bank holding company. Through its banking subsidiary, it operates as a full-service commercial bank focused on delivering various financial products and services to the small-to medium-sized businesses and individuals in its markets, including many customers in diverse and multi-ethnic communities in metropolitan markets in the Eastern U.S., Texas and California. The company provides commercial banking services such as consumer and commercial checking accounts, savings accounts, certificates of deposits, commercial and consumer loans, money transfers, and a variety of other banking services. The majority of its revenue is generated in the form of interest income.

71GF Score

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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.

€31.80

Price

€29.70

GF Value

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