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

Rhinebeck Bancorp, Inc. (RBKB) 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 Rhinebeck Bancorp, Inc. pass AAOIFI screening?

Rhinebeck Bancorp, Inc. (RBKB) 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%. RBKB's debt-to-market-cap is 5.1%.

How much purification is needed for Rhinebeck 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 Rhinebeck Bancorp, Inc. (RBKB) using the latest financial data.

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

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Rhinebeck Bancorp, Inc. (RBKB) 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.

RBKBNot HalalF

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RBKB: Is Rhinebeck Bancorp, Inc. Halal?

Rhinebeck Bancorp, Inc.

NASDAQFinancial ServicesUS

$12.83

Market Cap: 200.6M

Compliance Status

Not Halal

Screened on Sep 24, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

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

Quote this verdict

HalalScreener rates Rhinebeck Bancorp, Inc. (RBKB) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Sep 24, 2026. Source: https://halalscreener.app/en/stock/RBKB

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%.

5.1% 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.

Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding RBKB

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

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About Rhinebeck Bancorp, Inc.

Rhinebeck Bancorp, Inc. functions as the holding company for Rhinebeck Bank, which is dedicated to providing a full spectrum of banking and financial services. These offerings cater to both individual consumers and business clients throughout New York's Hudson Valley region. The company's financial products include various deposit accounts, automobile financing, and a wide range of real estate loans. This extensive lending portfolio covers commercial real estate, encompassing multi-family properties, construction, and land development, in addition to business loans and mortgages for one-to four-family residential dwellings. Furthermore, Rhinebeck Bancorp, Inc. extends brokerage and financial advisory services, along with life insurance and investment products, to its diverse clientele. As of December 31, 2021, the company operated through 15 branches and 2 representative offices situated across Dutchess, Ulster, Orange, and Albany counties. It also maintains an ATM in Tivoli, New York. Established in 1860, the company's primary corporate base is located in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates under the umbrella of its parent company, Rhinebeck Bancorp, MHC.

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.

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 Sep 24, 2026

See which ratio caused the failure.

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AI Compliance Insight

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Institutional-grade Shariah analysis

See why RBKB 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 Aug 2026.

No status changes recorded since we began tracking.

Tracked since Aug 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:

GLDA+

SPDR Gold Shares

$393.36

SLVA+

iShares Silver Trust

$58.14

PSLVA+

Sprott Physical Silver Trust

$21.01

PHYSA+

Sprott Physical Gold Trust

$32.35

CEFA+

Sprott Physical Gold and Silver Trust

$43.51

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Frequently Asked Questions

Is Rhinebeck Bancorp, Inc. (RBKB) halal to invest in?

Rhinebeck Bancorp, Inc. (RBKB) 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 Rhinebeck Bancorp, Inc. get a F compliance rating?

Rhinebeck Bancorp, Inc. (RBKB) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 5.1% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

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

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

Rhinebeck Bancorp, Inc. (RBKB) 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: Sep 24, 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.