MCHB (Mechanics Bancorp) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)


MCHB Mechanics Bancorp MCHB
12 GF Score
Price $16.16
! 2 Warning Signs
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What is Mechanics Bancorp LT-Debt-to-Total-Asset?

Mechanics Bancorp MCHB -1.22% 12 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates MCHB with a GF Score™ of 12/100. The stock has 2 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. Mechanics Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Mechanics Bancorp's long-term debt to total assets ratio increased from Dec. 2024 (0.00) to Mar. 2026 (0.01). It may suggest that Mechanics Bancorp is progressively becoming more dependent on debt to grow their business.

Mechanics Bancorp  (NAS:MCHB) 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.

Mechanics Bancorp LT-Debt-to-Total-Asset Related Terms

Mechanics Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Mechanics 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.

Mechanics Bancorp LT-Debt-to-Total-Asset Chart

Mechanics Bancorp Annual Data
Trend Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
0.00 0.05 0.00 0.01

Mechanics Bancorp Quarterly Data
Dec23 Mar24 Sep24 Dec24 Mar25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial 0.00 0.00 0.01 0.01 0.01
MCHB
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Mechanics Bancorp MCHB
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Mechanics Bancorp LT-Debt-to-Total-Asset Calculation

Mechanics 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 )
=231.255/22351.475
=0.01

Mechanics 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 )
=163.177/21388.955
=0.01

* 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 0.01 mean?
Mechanics Bancorp (MCHB) has a LT-Debt-to-Total-Asset of 0.01 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 Mechanics Bancorp and its competitors.
Is Mechanics Bancorp's LT-Debt-to-Total-Asset too high?
Mechanics Bancorp's current LT-Debt-to-Total-Asset is 0.01. Overall, Mechanics Bancorp has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Mechanics Bancorp's LT-Debt-to-Total-Asset compare to FFBC and CBU?
Mechanics Bancorp's LT-Debt-to-Total-Asset of 0.01 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 Mechanics Bancorp and its competitors. Mechanics Bancorp's current LT-Debt-to-Total-Asset is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mechanics Bancorp stock overvalued right now?
Mechanics Bancorp (MCHB) has a current LT-Debt-to-Total-Asset of 0.01. The current LT-Debt-to-Total-Asset is 0.01. Mechanics Bancorp's overall GF Score™ is 12/100 with 2 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 Mechanics Bancorp (MCHB), the current LT-Debt-to-Total-Asset is 0.01 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.

Mechanics Bancorp Business Description

Address 1111 Civic Drive, Suite 390, Walnut Creek, CA, USA, 94596
Mechanics Bancorp is a full-service community bank providing a multiple products and services in consumer and business banking, commercial lending, cash management, private banking, and wealth management and trust services. Its activities mainly include offering loan products such as commercial business loans, residential mortgages, consumer loans, real estate and construction loans, and small business lending, supported by various lending units including commercial banking, mortgage and consumer lending, commercial real estate lending, and private banking. The bank also provides deposit products such as checking and savings accounts, money market accounts, and certificates of deposit, along with treasury management and digital banking services.
12GF 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.

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