What is Five Star Bancorp's Shariah compliance score?

Five Star Bancorp's (FSBC) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Five Star Bancorp pass AAOIFI screening?

Five Star Bancorp (FSBC) 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% (FSBC: 8.4%), (3) interest-bearing deposits below 30% (FSBC: 55.2%), and (4) prohibited income below 5% (FSBC: 98.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Five Star Bancorp stock?

Five Star Bancorp (FSBC) has a non-permissible income ratio of 97.96%. Muslim investors should purify this percentage of any dividends received and capital gains realized from FSBC 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 Five Star Bancorp for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Five Star Bancorp (FSBC) 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 FSBC's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

FSBC: Is Five Star Bancorp Halal?

Five Star Bancorp

NASDAQFinancial ServicesUS

$47.87

-0.91%

Market Cap: 1.0B

Compliance Status

Not Halal

Screened on Jul 19, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Five Star Bancorp (FSBC) halal? Not Halal. Based on AAOIFI screening, Five Star Bancorp 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%.

8.4% of 30.0% limit

What this means for you

Most scholars advise not holding FSBC

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Five Star Bancorp

Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank's lending portfolio encompasses commercial and residential real estate loans, general commercial financing, commercial land loans, agricultural land loans, and construction loans for both commercial and residential projects, alongside consumer and other credit facilities. Additionally, it provides debit cards, remote check deposit capabilities, online and mobile banking services, and direct deposit options. Operating in Northern California, Five Star Bancorp maintains seven branch locations and two dedicated loan production offices. The company was established in 1999 and its headquarters are located in Rancho Cordova, California.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 19, 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

$368.41

+0.17%

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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JPMorgan Chase & Co.

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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 Five Star Bancorp (FSBC) halal to invest in?

Five Star Bancorp (FSBC) 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 Five Star Bancorp get a F compliance rating?

Five Star Bancorp (FSBC) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 8.4% (limit 30%); interest-bearing deposits of 55.2% (limit 30%); prohibited income of 97.96% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Five Star Bancorp's Shariah verdict?

Five Star 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 Five Star Bancorp re-screened for Shariah compliance?

Five Star Bancorp (FSBC) 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 19, 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.