Compliance Status
Not Halal
Screened on Oct 11, 2026 · AAOIFI Standard 21
Non-Compliant
Is Texas Community Bancshares, Inc. (TCBS) halal? Not Halal. Based on AAOIFI screening, Texas Community Bancshares, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).
Quote this verdict
HalalScreener rates Texas Community Bancshares, Inc. (TCBS) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 11, 2026. Source: https://halalscreener.app/en/stock/TCBS
Business activity
Involved in prohibited business activities.
Company debt
Over 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 TCBS
It does not pass AAOIFI Shariah screening.
See halal alternatives from the same sector further down this page
TCBS: Is Texas Community Bancshares, Inc. Halal?
Texas Community Bancshares, Inc.
$17.00
Market Cap: 49.1M
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About Texas Community Bancshares, Inc.
Texas Community Bancshares, Inc. operates as the parent company for Mineola Community Bank, S.S.B., delivering a comprehensive suite of financial products and services. These offerings serve both individual consumers and businesses throughout Mineola, Texas, its surrounding communities, and the broader Dallas-Fort Worth metropolitan area. The bank offers various deposit accounts, such as traditional checking and savings, certificates of deposit, and individual retirement accounts. Its lending portfolio predominantly includes mortgages for one-to-four family residences, as well as commercial real estate, construction, and land development loans. Further credit options are available for agricultural endeavors, general commercial needs, and a range of consumer purposes, including vehicle, boat, and unsecured personal loans. Beyond core banking activities, the company also engages in securities investments. Customers can additionally access services like sweep accounts, secure safe deposit boxes, various card solutions, and convenient online and mobile banking platforms. Established in 1934, Texas Community Bancshares, Inc. maintains its corporate headquarters in Mineola, Texas.
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 debt is 94.7% of market cap, over the 30% AAOIFI limit.
- 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.
AI Compliance Insight
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 Aug 2026.
No status changes recorded since we began tracking.
Tracked since Aug 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.