Summit State Bank (SSBI) — Cash Flow-to-Debt Ratio
Summit State Bank (SSBI) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $2.65 Million could theoretically repay 0% of its total liabilities ($903.41 Million) in one year. See SSBI financial flexibility score to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Summit State Bank Cash Flow-to-Debt Ratio (2003–2025)
Historical debt coverage capacity for Summit State Bank across 23 annual periods. For the full cash flow conversion analysis, see cash flow conversion of Summit State Bank.
Annual Cash Flow-to-Debt Ratio for Summit State Bank (2003–2025)
Year-by-year debt coverage analysis for Summit State Bank. Check Summit State Bank (SSBI) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $6.59 Million | $903.41 Million | ▲ +21.7% |
| 2024 | 0.01x | $5.85 Million | $975.37 Million | ▲ +358.3% |
| 2023 | 0.00x | $-2.38 Million | $1.02 Billion | ▼ -117.4% |
| 2022 | 0.01x | $13.72 Million | $1.03 Billion | ▼ -77.6% |
| 2021 | 0.06x | $52.02 Million | $873.80 Million | ▲ +1165.4% |
| 2020 | 0.00x | $3.72 Million | $790.23 Million | ▼ -28.5% |
| 2019 | 0.01x | $4.14 Million | $628.63 Million | ▼ -1.5% |
| 2018 | 0.01x | $3.75 Million | $560.58 Million | ▼ -13.2% |
| 2017 | 0.01x | $4.24 Million | $551.19 Million | ▼ -33.0% |
| 2016 | 0.01x | $5.22 Million | $455.08 Million | ▲ +15.8% |
| 2015 | 0.01x | $4.52 Million | $456.04 Million | ▼ -20.1% |
| 2014 | 0.01x | $4.86 Million | $392.10 Million | ▼ -23.7% |
| 2013 | 0.02x | $6.38 Million | $392.44 Million | ▼ -27.2% |
| 2012 | 0.02x | $8.53 Million | $382.03 Million | ▲ +7.2% |
| 2011 | 0.02x | $6.80 Million | $326.62 Million | ▼ -3.7% |
| 2010 | 0.02x | $6.33 Million | $292.62 Million | ▲ +24.6% |
| 2009 | 0.02x | $4.95 Million | $284.89 Million | ▼ -5.3% |
| 2008 | 0.02x | $5.66 Million | $309.03 Million | ▲ +54.1% |
| 2007 | 0.01x | $3.48 Million | $292.48 Million | ▲ +62.6% |
| 2006 | 0.01x | $1.94 Million | $265.14 Million | ▼ -52.1% |
| 2005 | 0.02x | $4.87 Million | $318.70 Million | ▼ -21.3% |
| 2004 | 0.02x | $4.32 Million | $222.39 Million | ▲ +98.1% |
| 2003 | 0.01x | $2.05 Million | $209.11 Million | — |