Compliance Status
Not Halal
Screened on Oct 16, 2026 · AAOIFI Standard 21
Non-Compliant
Is Bank OZK (OZK) halal? Not Halal. Based on AAOIFI screening, Bank OZK has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).
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HalalScreener rates Bank OZK (OZK) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 16, 2026. Source: https://halalscreener.app/en/stock/OZK
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 OZK
It does not pass AAOIFI Shariah screening.
See halal alternatives from the same sector further down this page
OZK: Is Bank OZK Halal?
Bank OZK
$46.12
Market Cap: 5.0B
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About Bank OZK
Bank OZK is a financial institution offering a comprehensive range of banking services to both retail and commercial clients. Its deposit offerings encompass a wide array of account types, such as demand deposit accounts (both interest and non-interest-bearing), business sweep, savings, money market, and individual retirement accounts, alongside various time deposit options. Beyond deposits, Bank OZK extends diverse lending solutions. These include financing for real estate, consumers, and businesses, as well as specialized areas like recreational vehicles, marine vessels, commercial & industrial projects, and government-guaranteed loans. The bank also supports agriculture, small businesses, homebuilders, and affordable housing initiatives. Additional financial provisions cover business aviation and subscription-based services, as well as conventional mortgage and other loan products. Furthermore, the institution delivers trust and wealth management services. This encompasses personal wealth planning, custodial arrangements, investment management, and retirement account administration. For corporate clients, it provides essential corporate trust services, acting as a trustee, paying agent, and registered transfer agent, among other related functions. Its suite of treasury management offerings is designed to streamline business operations, featuring services like automated clearing house (ACH) transactions, wire transfers, detailed transaction reporting, wholesale lockbox processing, remote deposit capture, automated credit line transfers, account reconciliation, positive pay fraud prevention, and merchant and commercial card services. It also manages specialized accounts such as zero balance and investment sweep accounts. Customers also benefit from convenient access through ATMs, telephone, online, and mobile banking platforms. The bank issues both debit and credit cards, offers safe deposit boxes, and processes merchant debit and credit card transactions, along with other supplementary products and services. With a history dating back to its founding in 1903, Bank OZK is headquartered in Little Rock, Arkansas. It expanded its footprint to approximately 240 branches across states including Arkansas, Georgia, Florida, North Carolina, Texas, Carolina, California, New York, and Mississippi as of the end of 2021. The institution adopted its current name, Bank OZK, in July 2018, having previously been known as Bank of the Ozarks.
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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PROInstitutional-grade Shariah analysis
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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 May 2026.
No status changes recorded since we began tracking.
Tracked since May 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.