Independent Bank Group Long-Term Debt 2011-2026 | IBTX

Long-term debt is a financial obligation of a company or an individual with a repayment period exceeding one year from the date it arises. In accounting, such obligations are recorded under the "long-term liabilities" section.

Main characteristics:

Term exceeds 12 months
Can take the form of bonds, bank loans, credit lines, leasing, or loans from affiliated parties
Repaid through regular payments (interest and/or principal) over several years

Why long-term debt is needed:

Investment in development
Allows financing of large projects — new factories, production lines, innovative developments — without diverting working capital.
Smoothing of cash flows
A long-term payment schedule facilitates budget planning and reduces short-term financial risks.
Optimization of capital structure
A combination of equity and borrowed capital can reduce the average cost of business financing.

A high level of long-term debt may indicate that a company heavily relies on borrowed funds. This increases risks, especially in conditions of rising interest rates or declining profits. However, a moderate level of debt can signal a sound growth strategy — for example, the company takes a loan to expand its business.

If a company uses borrowed funds effectively (e.g., invests in profitable projects), this can lead to profit growth and, consequently, an increase in stock value. An investor evaluates whether the investments made using debt are paying off.

It is important to monitor whether the company can regularly pay interest and repay the principal. Payment difficulties can lead to reduced dividends, a drop in stock value, and even bankruptcy.

Examples of long-term debt:

Mortgage loans for property purchases
Corporate bonds issued by a company to raise capital
Project financing — long-term loans for building or expanding production facilities
Leasing obligations for equipment or transport

Annual Long-Term Debt Independent Bank Group

2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-	-	-	-	557 M	455 M	695 M	586 M	377 M	320 M	213 M	219 M	133 M

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
695 M	133 M	395 M

Quarterly Long-Term Debt Independent Bank Group

2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	70.8 M	-	-	-	72.7 M	-	-	-	7.73 M	-	-	-	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
72.7 M	7.73 M	50.4 M

Long-Term Debt of other stocks in the Banks regional industry

Issuer	Long-Term Debt	Price	% 24h	Market Cap	Country
Signature Bank SBNY	3.67 B	-	-	$ 4.41 B	USA
Amalgamated Bank AMAL	75 M	$ 39.67	0.69 %	$ 1.2 B	USA
Atlantic Capital Bancshares ACBI	73.8 M	-	-1.48 %	$ 566 M	USA
Allegiance Bancshares ABTX	264 M	-	-0.86 %	$ 1.51 B	USA
First Midwest Bancorp, Inc. FMBI	1.64 B	-	-1.2 %	$ 2.26 B	USA
Arrow Financial Corporation AROW	4.26 M	$ 34.23	0.29 %	$ 565 M	USA
Ames National Corporation ATLO	18.4 M	$ 28.49	0.46 %	$ 253 M	USA
Atlantic Union Bankshares Corporation AUB	772 M	$ 36.08	-0.03 %	$ 4.65 B	USA
Auburn National Bancorporation AUBN	3.22 M	$ 23.19	-	$ 81 M	USA
American National Bankshares AMNB	35.5 M	-	-	$ 508 M	USA
Axos Financial AX	313 M	$ 85.51	0.18 %	$ 4.86 B	USA
Banc of California BANC	2.06 B	$ 17.73	0.57 %	$ 2.83 B	USA
Banco BBVA Argentina S.A. BBAR	1.17 B	$ 16.25	1.5 %	$ 450 B	Argentina
Banco Bradesco S.A. BBDO	213 B	$ 3.38	1.91 %	$ 13.1 M	Brasil
Business First Bancshares BFST	118 M	$ 27.5	-0.11 %	$ 808 M	USA
Bar Harbor Bankshares BHB	60.7 M	$ 33.08	-	$ 501 M	USA
BankUnited BKU	297 M	$ 45.55	0.02 %	$ 3.37 B	USA
Banco Macro S.A. BMA	39.2 B	$ 78.76	1.68 %	$ 14.4 M	Argentina
Bank of Marin Bancorp BMRC	2.84 M	$ 25.92	0.31 %	$ 413 M	USA
BOK Financial Corporation BOKF	4.63 B	$ 128.82	0.19 %	$ 8.07 B	USA
Popular BPOP	1.1 B	$ 137.24	0.31 %	$ 9.28 B	USA
Blue Ridge Bankshares BRBS	135 M	$ 4.14	0.49 %	$ 363 M	USA
Banco Santander-Chile BSAC	14.5 T	$ 33.49	0.89 %	$ 3.42 T	Chile
Bogota Financial Corp. BSBK	104 M	$ 8.74	-0.11 %	$ 110 M	USA
First Busey Corporation BUSE	114 M	$ 25.64	0.12 %	$ 2.15 B	USA
Cadence Bancorporation CADE	373 M	-	-	$ 5.43 B	USA
Camden National Corporation CAC	69.1 M	$ 48.36	0.27 %	$ 817 M	USA
BankFinancial Corporation BFIN	4 M	-	-	$ 151 M	USA
Cathay General Bancorp CATY	119 M	$ 50.63	0.06 %	$ 3.65 B	USA
Colony Bankcorp CBAN	258 M	$ 20.14	0.15 %	$ 358 M	USA
CB Financial Services CBFV	6 M	$ 35.2	-	$ 177 M	USA
Capital Bancorp CBNK	26 M	$ 30.14	-0.59 %	$ 500 M	USA
Community Bank System CBU	94.9 M	$ 59.17	-0.57 %	$ 3.12 B	USA
CNB Financial Corporation CCNE	84.9 M	$ 29.31	-0.02 %	$ 721 M	USA
CF Bankshares CFBK	29.5 M	$ 28.05	0.18 %	$ 179 M	USA
C&F Financial Corporation CFFI	69.8 M	$ 72.1	-	$ 233 M	USA
Cullen/Frost Bankers CFR	235 M	$ 138.15	-0.3 %	$ 8.85 B	USA
City Holding Company CHCO	150 M	$ 122.66	0.54 %	$ 1.78 B	USA
Bancolombia S.A. CIB	30.9 T	$ 72.47	0.42 %	$ 13.9 B	Colombia
Columbia Financial CLBK	1.18 B	$ 17.57	-0.51 %	$ 1.79 B	USA
ConnectOne Bancorp CNOB	629 M	$ 27.05	0.07 %	$ 1.22 B	USA
ChoiceOne Financial Services COFS	33.2 M	$ 28.05	-1.58 %	$ 391 M	USA
Citizens Holding Company CIZN	18 M	-	-5.65 %	$ 49.5 M	USA
Central Pacific Financial Corp. CPF	156 M	$ 32.11	-	$ 869 M	USA
Spirit of Texas Bancshares, Inc. STXB	92.2 M	-	-0.23 %	$ 446 M	USA
People's United Financial, Inc. PBCT	1.02 B	-	-	$ 8.34 B	USA
Brookline Bancorp BRKL	1.52 B	-	-	$ 974 M	USA
Cincinnati Bancorp CNNB	47.2 M	-	-4.28 %	$ 43.3 M	USA
Carver Bancorp CARV	20.2 M	-	-	$ 7.31 M	USA