SBNCM.PFD (Southern Bancshares NC) LT-Debt-to-Total-Asset: 0.02 (As of Dec. 2025)

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What is Southern Bancshares NC LT-Debt-to-Total-Asset?

Southern Bancshares NC SBNCM.PFD LT-Debt-to-Total-Asset is 0.02 as of Dec. 2025. The stock has 6 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. Southern Bancshares NC's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.02.

Southern Bancshares NC's long-term debt to total assets ratio declined from Dec. 2023 (0.07) to Dec. 2025 (0.02). It may suggest that Southern Bancshares NC is progressively becoming less dependent on debt to grow their business.

Southern Bancshares NC  (OTCPK:SBNCM.PFD) 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.

Southern Bancshares NC LT-Debt-to-Total-Asset Related Terms

Southern Bancshares NC LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Southern Bancshares NC'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.

Southern Bancshares NC LT-Debt-to-Total-Asset Chart

Southern Bancshares NC Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.02 0.05 0.07 0.05 0.02

Southern Bancshares NC Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset Get a 7-Day Free Trial 0.02 0.05 0.07 0.05 0.02

Southern Bancshares NC LT-Debt-to-Total-Asset Calculation

Southern Bancshares NC'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 )
=112.85/5583.346
=0.02

Southern Bancshares NC's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=112.85/5583.346
=0.02

* 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 0.02 mean?
Southern Bancshares NC (SBNCM.PFD) has a LT-Debt-to-Total-Asset of 0.02 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Southern Bancshares NC and its competitors.
Is Southern Bancshares NC's LT-Debt-to-Total-Asset too high?
Southern Bancshares NC's current LT-Debt-to-Total-Asset is 0.02.
How does Southern Bancshares NC's LT-Debt-to-Total-Asset compare to NBBK and THFF?
Southern Bancshares NC's LT-Debt-to-Total-Asset of 0.02 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 Southern Bancshares NC and its competitors. Southern Bancshares NC's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Bancshares NC stock overvalued right now?
Southern Bancshares NC (SBNCM.PFD) has a current LT-Debt-to-Total-Asset of 0.02. The current LT-Debt-to-Total-Asset is 0.02. 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 Southern Bancshares NC (SBNCM.PFD), the current LT-Debt-to-Total-Asset is 0.02 as of Dec. 2025. 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.

Southern Bancshares NC Business Description

Other Exchanges SBNC:USA
Address 116 E. Main Street, PO Box 729, Mount Olive, NC, USA, 28365
Southern Bancshares NC Inc is a bank holding company that provides financial and banking services. The services include personal banking, business banking, and mortgage banking services including checking, savings, loans, and mortgage services. It operates 45 banking offices in eastern North Carolina and 10 banking offices in Virginia.