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

Republic Bancorp, Inc. (RBCAA) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does Republic Bancorp, Inc. pass AAOIFI screening?

Republic Bancorp, Inc. (RBCAA) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. RBCAA's debt-to-market-cap is 15.8%.

How much purification is needed for Republic Bancorp, Inc.?

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 percentage and amount for Republic Bancorp, Inc. (RBCAA) using the latest financial data.

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

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Republic Bancorp, Inc. (RBCAA) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

RBCAANot HalalF

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Compliance Status

Not Halal

Screened on Oct 19, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Republic Bancorp, Inc. (RBCAA) halal? Not Halal. Based on AAOIFI screening, Republic Bancorp, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Republic Bancorp, Inc. (RBCAA) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 19, 2026. Source: https://halalscreener.app/en/stock/RBCAA

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Within the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

15.8% of 30.0% limit

PRO DETAIL

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.

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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding RBCAA

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

RBCAA: Is Republic Bancorp, Inc. Halal?

Republic Bancorp, Inc.

NASDAQFinancial ServicesUS

$92.39

+0.69%

Market Cap: 1.6B

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About Republic Bancorp, Inc.

Republic Bancorp, Inc., a financial holding company established in Louisville, Kentucky in 1974, provides a comprehensive suite of banking products and services throughout the United States. Its operations are strategically divided into five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The institution accepts a variety of deposits, including demand, money market, savings, individual retirement accounts, and various types of certificates of deposit. Its lending portfolio is extensive, featuring residential and commercial real estate loans, construction and land development financing, home improvement and equity loans, as well as secured and unsecured personal loans and aircraft financing. Beyond core banking, Republic Bancorp also offers credit cards, title insurance, and an array of sophisticated services such as memory banking, private banking, lockbox processing, remote deposit capture, and robust online and mobile banking solutions for businesses. Specialized services include providing short-term and revolving credit facilities for mortgage bankers, facilitating the processing and payment of federal and state tax refunds through partnerships with tax preparers and software companies, and distributing general purpose reloadable prepaid cards via third-party providers. Additionally, the company delivers consumer credit products and property and casualty insurance. As of January 28, 2022, Republic Bancorp operated 42 full-service banking locations.

Sector: Financial Services · Industry: Banks - Regional

Why this does not pass

Business activity: the company earns from an activity AAOIFI treats as prohibited.

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

AAOIFI Standard 21Updated Oct 19, 2026

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See why RBCAA is rated Not Halal with institutional-grade analysis

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: Q2 2026Data source: EDGAR

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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$51.51

PSLVA+

Sprott Physical Silver Trust

$18.48

PHYSA+

Sprott Physical Gold Trust

$31.50

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Sprott Physical Gold and Silver Trust

$40.45

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Frequently Asked Questions

Is Republic Bancorp, Inc. (RBCAA) halal to invest in?

Republic Bancorp, Inc. (RBCAA) 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 Republic Bancorp, Inc. get a F compliance rating?

Republic Bancorp, Inc. (RBCAA) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 15.8% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

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

Republic 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 Republic Bancorp, Inc. re-screened for Shariah compliance?

Republic Bancorp, Inc. (RBCAA) 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: Oct 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.