Is RCBC halal?
RIVER CITY BANK
Not halal
RIVER CITY BANK did not pass AAOIFI screening. The failed check is shown below.
Checked: 16 October 2026
Exchange
NASDAQ
Price
53.86
Day
-0.20%
Market cap
$758.7M
Industry
Banks - Regional
Sector
Financial Services
What the company does
River City Bank is a Sacramento, California commercial bank offering business loans, deposits and cash management (agribusiness, healthcare, construction clients). Money comes from interest on loans.
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 $100.00M ÷ 36-month average market cap (estimated) $484.75M = 20.6%
20.6%
Pass
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $477.47M ÷ 36-month average market cap (estimated) $484.75M = 98.5%
98.5%
Fail
Non-compliant income / total revenue
limit 5%
Interest income $282.93M ÷ annual revenue $141.56M (2025) = 199.9%
199.9%
Fail
Figures from the company's filings (2025-12-31), 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: $758.66M.
For information (AAOIFI 3/1 note): cash + receivables are 8.6% of total assets (2025-12-31). AAOIFI recommends tangible assets of at least one third — this figure does not affect the verdict, and other major screeners do not apply it either.
Note: the screener found the latest filing to be stale — the verdict rests on old data.
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 investingBlogWhy a company's cash affects whether its stock is halalLots of cash sounds like a good sign — but halal screening checks it separately. What counts, what doesn't, and where we are stricter than AAOIFI.
- Halal investingBlogAAOIFI Shariah Standard No. 21 in plain languageThe most widely used standard for halal stock screening: the two-step test, the three ratios and how it differs from other methods.
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.