What is Virginia National Bankshares Corporation's Shariah compliance score?

Virginia National Bankshares Corporation's (VABK) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Virginia National Bankshares Corporation pass AAOIFI screening?

Virginia National Bankshares Corporation (VABK) 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% (VABK: 11.7%), (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 Virginia National Bankshares Corporation 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 Virginia National Bankshares Corporation (VABK) using the latest financial data.

Where can I screen Virginia National Bankshares Corporation for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Virginia National Bankshares Corporation (VABK) 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 VABK's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

VABK: Is Virginia National Bankshares Corporation Halal?

Virginia National Bankshares Corporation

NASDAQFinancial ServicesUS

$46.97

+0.50%

Market Cap: 254.7M

Compliance Status

Not Halal

Screened on Aug 26, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Virginia National Bankshares Corporation (VABK) halal? Not Halal. Based on AAOIFI screening, Virginia National Bankshares Corporation 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%.

11.7% of 30.0% limit

What this means for you

Most scholars advise not holding VABK

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Virginia National Bankshares Corporation

Virginia National Bankshares Corporation operates as the parent entity for Virginia National Bank, delivering a comprehensive suite of commercial banking solutions. Its operations are structured into four distinct divisions: the primary banking segment, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital. The institution provides a diverse range of deposit products, including checking accounts, demand deposits, NOW accounts, money market savings, time deposits, certificates of deposit (CDs), and individual retirement accounts (IRAs), among other related savings options. Furthermore, it extends various lending services, such as financing for commercial and industrial ventures, real estate loans for construction and land development, commercial property loans, mortgages for 1-4 family homes, and consumer credit offerings like student loans, revolving lines of credit, and installment loans. Ancillary services include access to automated teller machines (ATMs), online banking platforms, treasury management solutions, cash handling services, and merchant and debit card processing. The company also delivers wealth management, investment advisory, brokerage, insurance, and consulting services. Its specialized offerings extend to investment management, acting as a corporate trustee, trust and estate administration, IRA administration, in-house investment management, and custodial services. Its clientele encompasses private individuals, businesses, and non-profit organizations. As of December 31, 2021, the corporation maintained a network of sixteen full-service banking branches situated in the cities of Charlottesville, Manassas, Richmond, and Winchester, alongside locations in the counties of Albemarle, Fauquier, and Prince William. Established in 1998, Virginia National Bankshares Corporation's main office is located in Charlottesville, Virginia.

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

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SLVA+

iShares Silver Trust

$57.44

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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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Free · No credit card required

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Frequently Asked Questions

Is Virginia National Bankshares Corporation (VABK) halal to invest in?

Virginia National Bankshares Corporation (VABK) 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 Virginia National Bankshares Corporation get a F compliance rating?

Virginia National Bankshares Corporation (VABK) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 11.7% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Virginia National Bankshares Corporation's Shariah verdict?

Virginia National Bankshares Corporation'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 Virginia National Bankshares Corporation re-screened for Shariah compliance?

Virginia National Bankshares Corporation (VABK) 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.