TRCY (Tri City Bankshares) LT-Debt-to-Total-Asset: 0.01 (As of Dec. 2025)


TRCY Tri City Bankshares Corp TRCY
64 GF Score
Price $19.12
GF Value $15.43
Valuation Modestly Overvalued
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What is Tri City Bankshares LT-Debt-to-Total-Asset?

Tri City Bankshares TRCY +1.20% 64 LT-Debt-to-Total-Asset is 0.01 as of Dec. 2025. GuruFocus rates TRCY with a GF Score™ of 64/100 and a GF Value™ of $15.43 (Modestly Overvalued).

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. Tri City Bankshares's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.01.

Tri City Bankshares's long-term debt to total assets ratio declined from Dec. 2020 (0.01) to Dec. 2025 (0.01). It may suggest that Tri City Bankshares is progressively becoming less dependent on debt to grow their business.

Tri City Bankshares  (OTCPK:TRCY) 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.

Tri City Bankshares LT-Debt-to-Total-Asset Related Terms

Tri City Bankshares LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Tri City 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.

Tri City Bankshares LT-Debt-to-Total-Asset Chart

Tri City Bankshares Annual Data
Trend Dec10 Dec11 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.01 0.01 0.00 0.01

Tri City Bankshares Semi-Annual Data
Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec24 Dec25
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 0.00 0.01 0.01 0.00 0.01
TRCY
64GF Score
Tri City Bankshares Corp TRCY
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Tri City Bankshares LT-Debt-to-Total-Asset Calculation

Tri City 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 )
=12.086/2004.767
=0.01

Tri City Bankshares'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 )
=12.086/2004.767
=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?
Tri City Bankshares (TRCY) has a LT-Debt-to-Total-Asset of 0.01 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 Tri City Bankshares and its competitors.
Is Tri City Bankshares' LT-Debt-to-Total-Asset too high?
Tri City Bankshares' current LT-Debt-to-Total-Asset is 0.01. Overall, Tri City Bankshares has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri City Bankshares' LT-Debt-to-Total-Asset compare to UBAB and SBKO?
Tri City Bankshares' 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 Tri City Bankshares and its competitors. Tri City Bankshares'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 Tri City Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Tri City Bankshares (TRCY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.43, compared to a current price of $19.12 — trading 23.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. Tri City Bankshares' overall GF Score™ is 64/100. 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 Tri City Bankshares (TRCY), the current LT-Debt-to-Total-Asset is 0.01 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.

Is Tri City Bankshares (TRCY) Overvalued in 2026?

Based on GuruFocus' analysis, Tri City Bankshares stock appears to be overvalued. The current stock price of $19.12 is trading 23.9% above its estimated GF Value™ of $15.43. GuruFocus considers Tri City Bankshares to be Modestly Overvalued.

Key valuation signals for TRCY:

  • LT-Debt-to-Total-Asset: 0.01
  • GF Value™: $15.43 vs. price of $19.12 (23.9% above fair value)
  • GF Score™: 64/100

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

Tri City Bankshares Business Description

Address 6400 South 27th Street, Oak Creek, WI, USA, 53154
Tri City Bankshares Corp is a bank holding company. It provides consumer and commercial banking services to individuals and businesses. The services provided by the bank are loan facilities, credit card facilities, reverse mortgages, online banking services, business cards, savings facilities, and other services. It has one reportable segment, community banking.
64GF Score

Get the complete analysis for TRCY

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.12
Price
$15.43
GF Value