Is NBTB halal?
NBT Bancorp Inc.
Not halal
NBT Bancorp Inc. did not pass AAOIFI screening. The failed check is shown below.
Checked: 16 October 2026
Exchange
NASDAQ
Price
50.85
Day
+0.28%
Market cap
$2.64B
Industry
Banks - Regional
Sector
Financial Services
What the company does
NBT Bancorp is a regional bank in upstate New York and New England: deposits, business and consumer loans, wealth management and retirement-plan services. Revenue comes from loan interest and fees.
What was checked
The AAOIFI standard has four steps: business activity first, then three financial ratios. Fail one and the stock is not halal.
Business activity
Prohibited activity: Banks - Regional
Interest-bearing debt / market cap
limit 30%
Interest-bearing debt $311.76M ÷ 36-month average market cap $2.11B = 14.8%
14.8%
Pass
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $2.47B ÷ 36-month average market cap $2.11B = 117.3%
117.3%
Fail
Non-compliant income / total revenue
limit 5%
Interest income $710.99M ÷ annual revenue $694.39M (2025) = 102.4%
102.4%
Fail
Figures from the company's filings (2026-06-30), USD. Market cap is a 36-month average (the S&P Shariah index approach), so a one-day price move does not flip the verdict. Today's market cap: $2.64B.
In the lists
- In the S&P 500
- Not in the S&P 500
- Held by funds
- Not held by any tracked fund
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Halal is the first question. The second: when to enter?
Our scanner watches 1454 halal stocks around the clock and fires a signal with entry, TP and SL when a technical setup completes. The full signal history — with outcomes — is public.
This is neither investment advice nor a fatwa. Screening is based on public financial statements and AAOIFI standard No. 21; data may lag. For a personal decision consult your own scholar.