NIDB (Northeast Indiana Bancorp) LT-Debt-to-Total-Asset: 0.06 (As of Jun. 2026)

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NIDB Northeast Indiana Bancorp Inc NIDB
62 GF Score
Price $24.56
GF Value $22.54
Valuation Fairly Valued
! 4 Warning Signs
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What is Northeast Indiana Bancorp LT-Debt-to-Total-Asset?

Northeast Indiana Bancorp NIDB +1.49% 62 LT-Debt-to-Total-Asset is 0.06 as of Jun. 2026. GuruFocus rates NIDB with a GF Score™ of 62/100 and a GF Value™ of $22.54 (Fairly Valued). The stock has 4 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. Northeast Indiana Bancorp's long-term debt to total assests ratio for the quarter that ended in Jun. 2026 was 0.06.

Northeast Indiana Bancorp's long-term debt to total assets ratio declined from Jun. 2025 (0.08) to Jun. 2026 (0.06). It may suggest that Northeast Indiana Bancorp is progressively becoming less dependent on debt to grow their business.

Northeast Indiana Bancorp  (OTCPK:NIDB) 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.

Northeast Indiana Bancorp LT-Debt-to-Total-Asset Related Terms

Northeast Indiana Bancorp LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Northeast Indiana 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.

Northeast Indiana Bancorp LT-Debt-to-Total-Asset Chart

Northeast Indiana Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.07 0.10 0.08 0.08

Northeast Indiana Bancorp Quarterly Data
Sep15 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.08 0.08 0.08 0.07 0.06
NIDB
62GF Score
Northeast Indiana Bancorp Inc NIDB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Northeast Indiana Bancorp LT-Debt-to-Total-Asset Calculation

Northeast Indiana 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 )
=44.4/559.334
=0.08

Northeast Indiana Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Jun. 2026 is calculated as

LT Debt to Total Assets (Q: Jun. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Jun. 2026 )/Total Assets (Q: Jun. 2026 )
=35/553.893
=0.06

* 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 0.06 mean?
Northeast Indiana Bancorp (NIDB) has a LT-Debt-to-Total-Asset of 0.06 as of Jun. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Northeast Indiana Bancorp and its competitors.
Is Northeast Indiana Bancorp's LT-Debt-to-Total-Asset too high?
Northeast Indiana Bancorp's current LT-Debt-to-Total-Asset is 0.06. Overall, Northeast Indiana Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Northeast Indiana Bancorp's LT-Debt-to-Total-Asset compare to CIBH and MBKL?
Northeast Indiana Bancorp's LT-Debt-to-Total-Asset of 0.06 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 Northeast Indiana Bancorp and its competitors. Northeast Indiana Bancorp's current LT-Debt-to-Total-Asset is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northeast Indiana Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Northeast Indiana Bancorp (NIDB) is currently considered Fairly Valued. The stock's GF Value™ is $22.54, compared to a current price of $24.56 — trading 9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. Northeast Indiana Bancorp's overall GF Score™ is 62/100 with 4 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 Northeast Indiana Bancorp (NIDB), the current LT-Debt-to-Total-Asset is 0.06 as of Jun. 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 Northeast Indiana Bancorp (NIDB) Overvalued in 2026?

Based on GuruFocus' analysis, Northeast Indiana Bancorp stock appears to be overvalued. The current stock price of $24.56 is trading 9% above its estimated GF Value™ of $22.54. GuruFocus considers Northeast Indiana Bancorp to be Fairly Valued.

Key valuation signals for NIDB:

  • LT-Debt-to-Total-Asset: 0.06
  • GF Value™: $22.54 vs. price of $24.56 (9% above fair value)
  • GF Score™: 62/100 with 4 warning signs

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

Northeast Indiana Bancorp Business Description

Address 648 North Jefferson Street, P.O. Box 70, Huntington, IN, USA, 46750
Northeast Indiana Bancorp Inc is a financial services company and bank holding company that provides commercial and residential real estate loans in the United States. It operates through Residential Mortgage, Commercial Mortgage, Construction and Land Development, Commercial and Industrial, and Consumer segments. The bank offers key personal products such as checking and savings accounts, debit cards, and deposits, as well as business services including checking accounts, merchant services, and cash management.
62GF 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.

$24.56
Price
$22.54
GF Value