What is First Community Bankshares, Inc.'s Shariah compliance score?

First Community Bankshares, Inc.'s (FCBC) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does First Community Bankshares, Inc. pass AAOIFI screening?

First Community Bankshares, Inc. (FCBC) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (FCBC: 0.1%), (3) interest-bearing deposits below 30% (FCBC: 76.1%), and (4) prohibited income below 5% (FCBC: 76.9%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for First Community Bankshares, Inc. stock?

First Community Bankshares, Inc. (FCBC) has a non-permissible income ratio of 76.87%. Muslim investors should purify this percentage of any dividends received and capital gains realized from FCBC shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen First Community Bankshares, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for First Community Bankshares, Inc. (FCBC) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about FCBC's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

FCBC: Is First Community Bankshares, Inc. Halal?

First Community Bankshares, Inc.

NASDAQFinancial ServicesUS

$44.92

-1.66%

Market Cap: 847.5M

Compliance Status

Not Halal

Screened on Jul 20, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is First Community Bankshares, Inc. (FCBC) halal? Not Halal. Based on AAOIFI screening, First Community Bankshares, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

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%.

0.1% of 30.0% limit

What this means for you

Most scholars advise not holding FCBC

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About First Community Bankshares, Inc.

First Community Bankshares, Inc. operates as a financial holding company, primarily through its subsidiary, First Community Bank. This institution offers a broad spectrum of banking and financial services. Its offerings include a variety of deposit accounts such as checking, savings, and money market accounts, along with certificates of deposit and individual retirement arrangements. The bank also provides lending solutions, encompassing commercial, consumer, and real estate mortgage loans, in addition to lines of credit. Customers benefit from various credit, debit, and ATM card services. Furthermore, the company delivers both corporate and personal trust services. Beyond conventional banking, First Community Bankshares specializes in wealth management, which includes trust administration, estate planning, and investment advisory services. Dedicated investment management services are also provided. The company serves a diverse clientele, ranging from individual consumers to businesses operating in numerous sectors. These industries include education, government, healthcare, coal mining and natural gas extraction, retail, construction, manufacturing, tourism, and transportation. As of December 31, 2021, the company maintained an extensive network of 49 branches. This footprint included 17 locations in West Virginia, 23 in Virginia, 7 in North Carolina, and 2 in Tennessee. First Community Bankshares, Inc. was established in 1874 and has its headquarters situated in Bluefield, Virginia.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 20, 2026

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: FMP

Halal Alternatives in Financial Services

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

GLDA+

SPDR Gold Shares

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SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is First Community Bankshares, Inc. (FCBC) halal to invest in?

First Community Bankshares, Inc. (FCBC) 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 First Community Bankshares, Inc. get a F compliance rating?

First Community Bankshares, Inc. (FCBC) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 0.1% (limit 30%); interest-bearing deposits of 76.1% (limit 30%); prohibited income of 76.87% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change First Community Bankshares, Inc.'s Shariah verdict?

First Community Bankshares, Inc.'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 First Community Bankshares, Inc. re-screened for Shariah compliance?

First Community Bankshares, Inc. (FCBC) 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: Jul 20, 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.