CHCONot HalalF
Unlock full report, free

Compliance Status

Not Halal

Screened on Oct 16, 2026 · AAOIFI Standard 21

F

Non-Compliant

0Score

Is City Holding Company (CHCO) halal? Not Halal. Based on AAOIFI screening, City Holding Company has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates City Holding Company (CHCO) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 16, 2026. Source: https://halalscreener.app/en/stock/CHCO

Business activity

Involved in prohibited business activities.

Failed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

7.5% of 30.0% limit
PRO DETAIL

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.

Card needed, nothing charged today

Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding CHCO

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

City Holding Company

CHCO: Is City Holding Company Halal?

City Holding Company

NASDAQFinancial ServicesUS

$141.69

Market Cap: 2.0B

Get an email if CHCO's halal status changes

We re-screen City Holding Company 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 City Holding Company

City Holding Company operates as the parent entity for City National Bank of West Virginia, offering a broad spectrum of financial services including banking, wealth management, and investment solutions throughout the United States. Its product suite features various deposit accounts like checking, savings, money market, certificates of deposit, and individual retirement accounts. The company provides an extensive range of loan products, such as commercial and industrial financing primarily for small to mid-sized enterprises, commercial real estate loans secured by non-residential and multi-family properties, residential real estate loans for home purchases or refinancing, and first-priority home equity loans. Consumer loans are also available, which can be secured by assets like vehicles, boats, recreational vehicles, or CDs, or remain unsecured; the company also covers demand deposit account overdrafts. Its mortgage banking division handles fixed and adjustable-rate mortgages, construction financing, land acquisition loans, and the origination of conventional and government-insured mortgages, supported by secondary market operations and mortgage servicing. For business clients, services include treasury management, lockbox facilities, and other cash management tools, as well as merchant credit card processing. The wealth management segment delivers trust administration, investment, and custodial services to both corporate and individual clients, encompassing corporate trust, institutional custody, financial and estate planning, and retirement plan services. Additionally, it offers modern banking access via ATMs, interactive teller machines (ITMs), mobile banking, interactive voice response (IVR) systems, and various credit and debit card services. The company maintains a presence with 94 branches and approximately 905 full-time equivalent employees across West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

Sector: Financial Services · Industry: Banks - Regional

Why this does not pass

  • Business activity: the company earns from an activity AAOIFI treats as prohibited.

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

AAOIFI Standard 21Updated Oct 16, 2026

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.

Free for 7 days. Cancel anytime.

Card needed, nothing charged today

AI Compliance Insight

PRO

Institutional-grade Shariah analysis

Card needed, nothing charged today

See why CHCO is rated Not Halal with institutional-grade analysis

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

  • Prohibited industry: Banks - Regional

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.

Fiscal: FY 2025Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

Free · No credit card required

Know the day CHCO'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.

8,200+ assets AAOIFI standards Free watchlist

Frequently Asked Questions

Is City Holding Company (CHCO) halal to invest in?
City Holding Company (CHCO) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.
Why did City Holding Company get a F compliance rating?
City Holding Company (CHCO) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 7.5% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change City Holding Company's Shariah verdict?
City Holding Company's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.
How often is City Holding Company re-screened for Shariah compliance?
City Holding Company (CHCO) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Oct 16, 2026.

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.