What is First Northwest Bancorp's Shariah compliance score?

First Northwest Bancorp (FNWB) 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 First Northwest Bancorp pass AAOIFI screening?

First Northwest Bancorp (FNWB) 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%. FNWB's debt-to-market-cap is 352.6%.

How much purification is needed for First Northwest Bancorp?

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 First Northwest Bancorp (FNWB) using the latest financial data.

Where can I screen First Northwest Bancorp for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for First Northwest Bancorp (FNWB) 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.

FNWBNot HalalF

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Compliance Status

Not Halal

Screened on Oct 10, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

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

Quote this verdict

HalalScreener rates First Northwest Bancorp (FNWB) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 10, 2026. Source: https://halalscreener.app/en/stock/FNWB

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%.

352.6% 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 FNWB

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

FNWB: Is First Northwest Bancorp Halal?

First Northwest Bancorp

NASDAQFinancial ServicesUS

$9.83

Market Cap: 93.4M

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About First Northwest Bancorp

First Northwest Bancorp serves as the parent company for First Fed Bank, a financial institution that delivers a broad spectrum of commercial and consumer banking services. These services are provided to individuals, businesses, and nonprofit organizations across western Washington, USA. The bank offers various ways to deposit funds, including checking, money market, savings, and transaction accounts, as well as certificates of deposit. On the lending side, it originates residential mortgages for one-to-four family properties, financing for commercial and multi-family real estate, loans for construction and land development, and credit for commercial businesses. Its consumer loan portfolio largely consists of vehicle loans and home equity loans or lines of credit. Operations are conducted through twelve full-service branch locations and a specialized lending center in Seattle. The company was established in 1923 and its headquarters are situated in Port Angeles, Washington.

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 352.6% 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

AAOIFI Standard 21Updated Oct 10, 2026

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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.

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Screened according to AAOIFI Standard 21

Compliance History

Not Halal, unchanged since Aug 2026.

No status changes recorded since we began tracking.

Tracked since Aug 2026. Updates automatically on each re-screen.

Fiscal: Q2 2026Data 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:

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$384.58

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$54.78

PSLVA+

Sprott Physical Silver Trust

$19.89

PHYSA+

Sprott Physical Gold Trust

$31.70

CEFA+

Sprott Physical Gold and Silver Trust

$41.67

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Frequently Asked Questions

Is First Northwest Bancorp (FNWB) halal to invest in?

First Northwest Bancorp (FNWB) 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 Northwest Bancorp get a F compliance rating?

First Northwest Bancorp (FNWB) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 352.6% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change First Northwest Bancorp's Shariah verdict?

First Northwest Bancorp'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 Northwest Bancorp re-screened for Shariah compliance?

First Northwest Bancorp (FNWB) 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 10, 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.