What is Farmers National Banc Corp.'s Shariah compliance score?

Farmers National Banc Corp. (FMNB) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does Farmers National Banc Corp. pass AAOIFI screening?

Farmers National Banc Corp. (FMNB) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. FMNB's debt-to-market-cap is 40.8%.

How much purification is needed for Farmers National Banc Corp.?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for Farmers National Banc Corp. (FMNB) using the latest financial data.

Where can I screen Farmers National Banc Corp. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Farmers National Banc Corp. (FMNB) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

FMNBNot HalalF

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Compliance Status

Not Halal

Screened on Oct 15, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Farmers National Banc Corp. (FMNB) halal? Not Halal. Based on AAOIFI screening, Farmers National Banc Corp. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Farmers National Banc Corp. (FMNB) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 15, 2026. Source: https://halalscreener.app/en/stock/FMNB

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

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

40.8% 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.

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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding FMNB

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

FMNB: Is Farmers National Banc Corp. Halal?

Farmers National Banc Corp.

NASDAQFinancial ServicesUS

$15.30

Market Cap: 906.5M

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About Farmers National Banc Corp.

Farmers National Banc Corp. operates as a diversified financial services holding company, engaging in banking, trust administration, retirement planning, insurance, and financial management. It provides a comprehensive range of commercial and consumer banking solutions, including various deposit products like checking, savings, and certificate of deposit accounts. The company's lending portfolio features commercial, mortgage, personal installment, and home equity loans, alongside ancillary services such as home equity lines of credit, online banking, ATM access, safe deposit boxes, money orders, official checks, travel cards, credit and debit cards, and brokerage offerings. Furthermore, it delivers both individual and institutional trust services, covering estate settlement, trust oversight, and employee benefit plan management. Specialized retirement consulting is also offered, as well as a variety of insurance products, including property and casualty coverage, facilitated by licensed representatives. The firm strategically invests in municipal securities. With a presence across 47 branches in northeastern Ohio and one location in southwestern Pennsylvania, the corporation, founded in 1887, is headquartered in Canfield, Ohio.

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 40.8% of market cap, over the 30% AAOIFI 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

AAOIFI Standard 21Updated Oct 15, 2026

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Institutional-grade Shariah analysis

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See why FMNB 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

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

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: Q2 2026Data 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:

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iShares Silver Trust

$51.51

PSLVA+

Sprott Physical Silver Trust

$18.48

PHYSA+

Sprott Physical Gold Trust

$31.50

CEFA+

Sprott Physical Gold and Silver Trust

$40.45

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Frequently Asked Questions

Is Farmers National Banc Corp. (FMNB) halal to invest in?

Farmers National Banc Corp. (FMNB) 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 Farmers National Banc Corp. get a F compliance rating?

Farmers National Banc Corp. (FMNB) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 40.8% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Farmers National Banc Corp.'s Shariah verdict?

Farmers National Banc Corp.'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 Farmers National Banc Corp. re-screened for Shariah compliance?

Farmers National Banc Corp. (FMNB) 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 15, 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.