Banking Ratios
Debt Ratio
Total liabilities / total assets.
Inputs
Assets
Total: $462,000.00
$
$
$
$
Liabilities
Total: $240,000.00
$
$
$
Results
Debt-to-assets ratio
51.9%
Liabilities ÷ assets
Debt-to-equity ratio
108.1%
Liabilities ÷ equity
Equity ratio
48.1%
Equity ÷ assets
Leverage rating
Moderate
Total assets
$462,000.00
Total liabilities
$240,000.00
Net equity
$222,000.00
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Debt-to-Income Ratio
Total monthly debt / gross monthly income — supports multiple income and debt sources.
Loan-to-Value Ratio
First + second mortgage vs. property value, with max-LTV limits.
Housing Ratio
Front-end ratio: housing cost / gross income.
Liquidity Ratio
Liquid assets / monthly expenses (months of runway).