What is West Coast Community Bancorp's Shariah compliance score?

West Coast Community Bancorp (WCCB) 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 West Coast Community Bancorp pass AAOIFI screening?

West Coast Community Bancorp (WCCB) 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%. WCCB's debt-to-market-cap is 0.0%.

How much purification is needed for West Coast Community Bancorp?

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 West Coast Community Bancorp (WCCB) using the latest financial data.

Where can I screen West Coast Community Bancorp for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for West Coast Community Bancorp (WCCB) 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.

WCCBNot HalalF

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Compliance Status

Not Halal

Screened on Oct 8, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

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

Quote this verdict

HalalScreener rates West Coast Community Bancorp (WCCB) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 8, 2026. Source: https://halalscreener.app/en/stock/WCCB

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%.

0.0% 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 WCCB

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

WCCB: Is West Coast Community Bancorp Halal?

West Coast Community Bancorp

NASDAQFinancial ServicesUS

$61.16

+0.02%

Market Cap: 643.0M

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About West Coast Community Bancorp

West Coast Community Bancorp functions as the parent organization overseeing West Coast Community Bank, which was formerly recognized as Santa Cruz County Bank. This financial institution offers a comprehensive suite of banking services tailored for both businesses and individual customers. Its diverse product range includes various lending options such as corporate loans, revolving lines of credit, commercial real estate mortgages, construction development financing, and agricultural credit. Additionally, the bank facilitates government-backed loans through SBA and USDA programs, along with asset-based financing. Beyond credit solutions, clients can access services like credit cards, merchant processing, digital check deposit capabilities (remote deposit capture), convenient mobile and online banking platforms, bill payment options, and advanced treasury management tools.

Sector: Financial Services · Industry: Banks - Regional

Why this does not pass

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

AAOIFI Standard 21Updated Oct 8, 2026

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Institutional-grade Shariah analysis

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Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

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

Compliance History

Not Halal, unchanged since Oct 2026.

No status changes recorded since we began tracking.

Tracked since Oct 2026. Updates automatically on each re-screen.

Fiscal: Q2 2026Data 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

$378.62

SLVA+

iShares Silver Trust

$53.82

PSLVA+

Sprott Physical Silver Trust

$19.40

PHYSA+

Sprott Physical Gold Trust

$31.20

CEFA+

Sprott Physical Gold and Silver Trust

$40.90

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Frequently Asked Questions

Is West Coast Community Bancorp (WCCB) halal to invest in?

West Coast Community Bancorp (WCCB) 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 West Coast Community Bancorp get a F compliance rating?

West Coast Community Bancorp (WCCB) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 0.0% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change West Coast Community Bancorp's Shariah verdict?

West Coast Community Bancorp'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 West Coast Community Bancorp re-screened for Shariah compliance?

West Coast Community Bancorp (WCCB) 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 8, 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.