Compliance Status
Not Halal
Screened on Oct 18, 2026 · AAOIFI Standard 21
Non-Compliant
Is Commerce Bancshares, Inc. (CBSH) halal? Not Halal. Based on AAOIFI screening, Commerce Bancshares, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).
Quote this verdict
HalalScreener rates Commerce Bancshares, Inc. (CBSH) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 18, 2026. Source: https://halalscreener.app/en/stock/CBSH
Business activity
Involved in prohibited business activities.
Company debt
Over the limitHow much the company borrows, compared to its total value. AAOIFI allows up to 30%.
The verdict above is final and free.
Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.
Screened according to AAOIFI Standard 21
What this means for you
Most scholars advise not holding CBSH
It does not pass AAOIFI Shariah screening.
See halal alternatives from the same sector further down this page
CBSH: Is Commerce Bancshares, Inc. Halal?
Commerce Bancshares, Inc.
$55.69
Market Cap: 8.0B
Get an email if CBSH's halal status changes
We re-screen Commerce Bancshares, Inc. daily. If the verdict moves, you hear about it the same day.
Free. One click sets it up, and you can unsubscribe any time.
About Commerce Bancshares, Inc.
Commerce Bancshares, Inc. functions as the parent organization for Commerce Bank, delivering a comprehensive suite of financial products and services. These offerings span retail banking, mortgage services, corporate finance, investment solutions, trust administration, and asset management, catering to both individuals and businesses across the United States. Its operational structure is divided into three principal divisions: Consumer, Commercial, and Wealth Management. The Consumer division focuses on individual clients, providing essential banking services such as deposit accounts and a diverse range of personal loans. These include financing for automobiles, motorcycles, marine vehicles, tractor/trailers, recreational vehicles, fixed-rate and revolving home equity loans, and other personal credit products. This segment also facilitates patient healthcare funding, real estate loans, various indirect consumer financing options, personalized mortgage banking, installment lending, and consumer debit and credit cards. The Commercial segment offers robust support to businesses and institutional clients through corporate lending, equipment leasing, international banking, merchant and commercial card services, and secure securities safekeeping with bond accounting. It also manages specific business products, government deposit accounts, and extensive commercial cash management solutions. Additionally, this segment trades fixed-income securities to correspondent banks, corporate entities, public institutions, municipalities, and individual investors. Within the Wealth Management division, the company delivers traditional trust and estate planning, expert advisory and discretionary investment portfolio management, brokerage services, and exclusive private banking accounts. Beyond these core segments, Commerce Bancshares further offers private equity investment opportunities, securities brokerage, insurance agency functions, specialized lending, and additional leasing services. It also ensures convenient access to banking through its online and mobile platforms. The company maintains a significant physical presence with 287 branch locations distributed across Missouri, Kansas, Illinois, Oklahoma, and Colorado, complemented by several dedicated commercial offices. Established in 1865, Commerce Bancshares, Inc. is headquartered in Kansas City, Missouri.
Sector: Financial Services · Industry: Banks - Regional
Why this does not pass
- Business activity: the company earns from an activity AAOIFI treats as prohibited.
- Interest-bearing debt is 30.7% of market cap, over the 30% AAOIFI limit.
- Interest-bearing deposits are over the 30% limit.
- Income from prohibited sources is over the 5% limit.
Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.
Shariah Compliance Status
See which ratio caused the failure.
See the exact debt ratio, interest income %, and prohibited revenue that caused the failure. Know before you sell or hold.
AI Compliance Insight
PROInstitutional-grade Shariah analysis
See why CBSH is rated Not Halal with institutional-grade analysis
Business Activity Screen
FailedChecks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)
- Prohibited industry: Banks - Regional
The verdict above is final and free.
Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.
Screened according to AAOIFI Standard 21
Compliance History
Not Halal, unchanged since May 2026.
No status changes recorded since we began tracking.
Tracked since May 2026. Updates automatically on each re-screen.
Halal Alternatives in Financial Services
This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:
More Financial Services Stocks
Know the day CBSH's verdict changes
A free account keeps watch on 3 stocks and emails you when a verdict moves. You also get 3 questions for the AI Scholar. No card needed.
Frequently Asked Questions
Is Commerce Bancshares, Inc. (CBSH) halal to invest in?
Why did Commerce Bancshares, Inc. get a F compliance rating?
What could change Commerce Bancshares, Inc.'s Shariah verdict?
How often is Commerce Bancshares, Inc. re-screened for Shariah compliance?
Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.
Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.