Is TCBK halal?
TriCo Bancshares
Not halal
TriCo Bancshares did not pass AAOIFI screening. The failed check is shown below.
Checked: 16 October 2026
Exchange
NASDAQ
Price
52.04
Day
+0.29%
Market cap
$1.66B
Industry
Banks - Regional
Sector
Financial Services
What the company does
TriCo Bancshares is the parent of Tri Counties Bank in Northern California, lending to small businesses and households and taking deposits. 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 $51.76M ÷ 36-month average market cap $1.42B = 3.6%
3.6%
Pass
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $1.80B ÷ 36-month average market cap $1.42B = 126.7%
126.7%
Fail
Non-compliant income / total revenue
limit 5%
Interest income $469.06M ÷ annual revenue $411.34M (2025) = 114.0%
114.0%
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: $1.66B.
For information (AAOIFI 3/1 note): cash + receivables are 1.5% of total assets (2026-06-30). 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.
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?
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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.