What is Peoples Bancorp of North Carolina, Inc.'s Shariah compliance score?

Peoples Bancorp of North Carolina, Inc.'s (PEBK) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Peoples Bancorp of North Carolina, Inc. pass AAOIFI screening?

Peoples Bancorp of North Carolina, Inc. (PEBK) 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% (PEBK: 8.0%), (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. HalalScreener provides free AAOIFI screening for 6,200+ stocks at halalscreener.app.

How much purification is needed for Peoples Bancorp of North Carolina, Inc. stock?

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 exact percentage and amount for Peoples Bancorp of North Carolina, Inc. (PEBK) using the latest financial data.

Where can I screen Peoples Bancorp of North Carolina, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Peoples Bancorp of North Carolina, Inc. (PEBK) and 5,100+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows the verdict, compliance grade, score, and debt ratio free. No credit card or signup required for basic screening; the full ratio breakdown is part of Pro. HalalScreener also includes an AI Islamic Scholar for follow-up questions about PEBK's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

PEBK: Is Peoples Bancorp of North Carolina, Inc. Halal?

Peoples Bancorp of North Carolina, Inc.

NASDAQFinancial ServicesUS

$43.84

-0.63%

Market Cap: 239.4M

Compliance Status

Not Halal

Screened on Aug 26, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Peoples Bancorp of North Carolina, Inc. (PEBK) halal? Not Halal. Based on AAOIFI screening, Peoples Bancorp of North Carolina, Inc. 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%.

8.0% of 30.0% limit

What this means for you

Most scholars advise not holding PEBK

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Peoples Bancorp of North Carolina, Inc.

Peoples Bancorp of North Carolina, Inc. functions as the holding company for Peoples Bank, delivering a broad spectrum of financial products and services to individuals and small to medium-sized enterprises. Its deposit offerings encompass checking, savings, money market, and demand accounts, along with certificates of deposit (CDs) and time deposits. The bank also handles borrowed funds. For lending, Peoples Bank provides various credit options, including commercial real estate and general commercial loans, construction and land development financing, and agricultural loans. For personal needs, it extends single-family residential, standard residential mortgage, and Individual Taxpayer Identification Number (ITIN) mortgage loans. Beyond traditional banking, the company furnishes investment advisory services and a range of non-deposit investment instruments, such as stocks, bonds, mutual funds, and tax-deferred annuities, supported by brokerage services. It also handles real estate appraisal and brokerage. Furthermore, Peoples Bancorp operates an appraisal clearing-house for other community banks and manages, acquires, and sells real property and other assets obtained through debt collection. An insurance agency is also part of its service portfolio. As of year-end 2021, the company maintained a substantial presence across North Carolina, with 17 full-service banking branches in cities including Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, Charlotte, Cornelius, Mooresville, Raleigh, and Cary. Additionally, it operates loan production offices in Charlotte, Denver, Salisbury, and Winston-Salem, North Carolina. Established in 1912, Peoples Bancorp of North Carolina, Inc. maintains its headquarters in Newton, North Carolina.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Aug 26, 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 Aug 2026.

No status changes recorded since we began tracking.

Tracked since Aug 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

$398.55

+0.17%

SLVA+

iShares Silver Trust

$57.44

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

CEFA+

Sprott Physical Gold and Silver Trust

$43.28

+4.44%

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Frequently Asked Questions

Is Peoples Bancorp of North Carolina, Inc. (PEBK) halal to invest in?

Peoples Bancorp of North Carolina, Inc. (PEBK) 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 Peoples Bancorp of North Carolina, Inc. get a F compliance rating?

Peoples Bancorp of North Carolina, Inc. (PEBK) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 8.0% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Peoples Bancorp of North Carolina, Inc.'s Shariah verdict?

Peoples Bancorp of North Carolina, Inc.'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 Peoples Bancorp of North Carolina, Inc. re-screened for Shariah compliance?

Peoples Bancorp of North Carolina, Inc. (PEBK) 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: Aug 26, 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.