What is Patriot National Bancorp, Inc.'s Shariah compliance score?

Patriot National Bancorp, Inc.'s (PNBK) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Patriot National Bancorp, Inc. pass AAOIFI screening?

Patriot National Bancorp, Inc. (PNBK) 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% (PNBK: 13.3%), (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 Patriot National Bancorp, 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 Patriot National Bancorp, Inc. (PNBK) using the latest financial data.

Where can I screen Patriot National Bancorp, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Patriot National Bancorp, Inc. (PNBK) 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 PNBK's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

PNBK: Is Patriot National Bancorp, Inc. Halal?

Patriot National Bancorp, Inc.

NASDAQFinancial ServicesUS

$1.05

-0.94%

Market Cap: 123.5M

Compliance Status

Not Halal

Screened on Aug 26, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Patriot National Bancorp, Inc. (PNBK) halal? Not Halal. Based on AAOIFI screening, Patriot National Bancorp, 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%.

13.3% of 30.0% limit

What this means for you

Most scholars advise not holding PNBK

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Patriot National Bancorp, Inc.

Patriot National Bancorp, Inc. functions as the parent company for Patriot Bank, N.A., providing a full spectrum of community banking solutions. Its services cater to individuals, small and medium-sized businesses, and professionals. The bank offers a diverse range of deposit products, including standard checking accounts, interest-bearing negotiable order of withdrawal (NOW) accounts, money market accounts, savings accounts, and prepaid deposit accounts. Specialized options like online national money market accounts, individual retirement accounts (IRAs), and health savings accounts (HSAs) are also available, alongside certificate of deposit account registry service (CDARS). In terms of lending, Patriot National Bancorp's portfolio comprises commercial real estate loans, business loans (including Small Business Administration-backed options), construction financing, purchased residential real estate mortgages, and various consumer loan products. Beyond core banking, the company facilitates automated clearing house (ACH) transfers, lockbox services, comprehensive internet banking with bill payment capabilities, remote deposit capture, debit cards, money orders, traveler's checks, and automated teller machine (ATM) access. The company operates nine physical branches: eight are located across Fairfield and New Haven Counties in Connecticut, with an additional branch in Westchester County, New York. Founded in 1994, Patriot National Bancorp, Inc. is headquartered in Stamford, Connecticut.

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%

More Financial Services Stocks

JPM

JPMorgan Chase & Co.

Visa Inc.

Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

Track PNBK and 6,200+ stocks with AI insights

Create your free account to unlock AI-powered compliance analysis, track your portfolio, calculate purification, and get unlimited AAOIFI screening.

Get Started Free Browse Screener

6,200+ assets AAOIFI standards Free watchlist

Frequently Asked Questions

Is Patriot National Bancorp, Inc. (PNBK) halal to invest in?

Patriot National Bancorp, Inc. (PNBK) 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 Patriot National Bancorp, Inc. get a F compliance rating?

Patriot National Bancorp, Inc. (PNBK) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 13.3% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Patriot National Bancorp, Inc.'s Shariah verdict?

Patriot National Bancorp, 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 Patriot National Bancorp, Inc. re-screened for Shariah compliance?

Patriot National Bancorp, Inc. (PNBK) 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.