Compliance Status
Not Halal
Screened on Oct 9, 2026 · AAOIFI Standard 21
Non-Compliant
Is OptimumBank Holdings, Inc. (OPHC) halal? Not Halal. Based on AAOIFI screening, OptimumBank Holdings, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).
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HalalScreener rates OptimumBank Holdings, Inc. (OPHC) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 9, 2026. Source: https://halalscreener.app/en/stock/OPHC
Business activity
Involved in prohibited business activities.
Company debt
Well clear of the limitHow much the company borrows, compared to its total value. AAOIFI allows up to 30%.
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.
Screened according to AAOIFI Standard 21
What this means for you
Most scholars advise not holding OPHC
It does not pass AAOIFI Shariah screening.
See halal alternatives from the same sector further down this page
OPHC: Is OptimumBank Holdings, Inc. Halal?
OptimumBank Holdings, Inc.
$8.70
Market Cap: 105.8M
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About OptimumBank Holdings, Inc.
OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank, which provides various consumer and commercial banking services to individuals and businesses. The company accepts interest-bearing and noninterest-bearing, savings, money market, and NOW accounts, as well as time deposits, wire transfers, ACH services, and certificates of deposit. It also offers multi-family real estate, residential and commercial real estate, and land and construction loans; commercial loans for working capital purposes or acquiring equipment, inventory, and furniture; and consumer loans for various purposes, including purchases of automobiles, recreational vehicles, boats, home improvements, lines of credit, personal, and deposit account collateralized loans. In addition, the company provides debit and ATM cards; cash management, notary, and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, and banking by mail. OptimumBank Holdings, Inc. was founded in 2000 and is headquartered in Fort Lauderdale, Florida.
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 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
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.
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Business Activity Screen
FailedChecks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)
- Prohibited industry: Banks - Regional
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.
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.
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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Frequently Asked Questions
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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.