HCBC (High Country Bancorp) LT-Debt-to-Total-Asset: 0.07 (As of Mar. 2026)

What is High Country Bancorp LT-Debt-to-Total-Asset?

High Country Bancorp HCBC 64 LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus rates HCBC with a GF Score™ of 64/100 and a GF Value™ of $38.70 (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. High Country Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.07.

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

High Country Bancorp (OTCPK:HCBC) 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.

High Country Bancorp LT-Debt-to-Total-Asset Related Terms

High Country Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for High Country 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.

High Country Bancorp LT-Debt-to-Total-Asset Chart

High Country Bancorp Annual Data

Trend

Jun16

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Jun20

Jun21

Jun22

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Jun25

LT-Debt-to-Total-Asset

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0.00

0.05

0.09

High Country Bancorp 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															0.07	0.09	0.08	0.09	0.07

64GF Score

High Country Bancorp Inc HCBC

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

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High Country Bancorp LT-Debt-to-Total-Asset Calculation

High Country Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	44.1	/	513.904
	=	0.09

High Country 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 )
	=	38	/	524.523
	=	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?

High Country Bancorp (HCBC) 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 High Country Bancorp and its competitors.

Is High Country Bancorp's LT-Debt-to-Total-Asset too high?

High Country Bancorp's current LT-Debt-to-Total-Asset is 0.07. Overall, High Country Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does High Country Bancorp's LT-Debt-to-Total-Asset compare to PNBI and SCYT?

High Country 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 High Country Bancorp and its competitors. High Country 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 High Country Bancorp stock overvalued right now?

Based on GuruFocus' analysis, High Country Bancorp (HCBC) is currently considered Fairly Valued. The stock's GF Value™ is $38.70, compared to a current price of $42.00 — trading 8.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. High Country Bancorp's overall GF Score™ is 64/100 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 High Country Bancorp (HCBC), 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 High Country Bancorp (HCBC) Overvalued in 2026?

Based on GuruFocus' analysis, High Country Bancorp stock appears to be overvalued. The current stock price of $42.00 is trading 8.5% above its estimated GF Value™ of $38.70. GuruFocus considers High Country Bancorp to be Fairly Valued.

Key valuation signals for HCBC:

LT-Debt-to-Total-Asset: 0.07
GF Value™: $38.70 vs. price of $42.00 (8.5% above fair value)
GF Score™: 64/100 with 5 warning signs

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

High Country Bancorp Business Description

Industry Financial Services Banks

Comparable Companies PNBI SCYT QNTO ESBS CYSM SOUB TMAK LUMB KFFB WDFN SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 7360 West US Highway 50, P.O. Box 309, Salida, CO, USA, 81201

Website https://www.highcountrybank.net

High Country Bancorp Inc is a bank holding company. Through its subsidiaries, it provides a variety of financial services mainly in Salida, Buena Vista, Canon City, and Longmont, Colorado. The group's primary deposit products include non-interest-bearing and interest-bearing checking accounts, savings accounts, and time deposit accounts. Its primary lending products are real estate mortgages, construction loans, consumer loans, and commercial loans. Additionally, it also offers online banking services. The group serves both individuals and business clients.

64GF 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.

$42.00

Price

$38.70

GF Value

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