Is Orange County Bancorp, Inc. (OBT) halal? Not Halal. Based on AAOIFI screening, Orange County Bancorp, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Orange County Bancorp, Inc.

OBT: Is Orange County Bancorp, Inc. Halal?

Not Halal

Orange County Bancorp, Inc.

NASDAQFinancial ServicesUS

$37.23

+3.36%

About Orange County Bancorp, Inc.

Orange County Bancorp, Inc., operating through its subsidiaries, delivers a broad spectrum of commercial and consumer financial services, alongside specialized trust and wealth management offerings. Its clientele includes small and mid-sized businesses, local government entities, and affluent individuals. The institution provides diverse deposit accounts such as interest-bearing and non-interest-bearing checking options, money market and savings accounts, and certificates of deposit. On the lending side, it extends financing for commercial real estate, commercial and industrial ventures, real estate construction, residential properties, home equity, and various consumer needs. Complementing its banking operations, the company also offers traditional trust administration, sophisticated asset management, personalized financial planning, and holistic wealth management solutions. The company's physical footprint includes 14 full-service branches and one loan production office, strategically located across Orange, Westchester, Rockland, and Bronx counties within New York. Established in 1892, Orange County Bancorp, Inc. maintains its corporate headquarters in Middletown, New York.

Sector: Financial Services 路 Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 20, 2026
F

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

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

  • Prohibited industry: Banks - Regional

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap6.9% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

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

Screened: Jun 20, 2026Fiscal: FY 2025Source: FMP

Financial Overview

Market Cap

499.2M

Price

$37.23

Sector

Financial Services

Industry

Banks - Regional

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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+6.23%

AllianceBernstein Holding L.P.
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AllianceBernstein Holding L.P.

$36.03

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Inflection Point Acquisition Corp. III
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$10.31

+0.00%

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Frequently Asked Questions

Is Orange County Bancorp, Inc. (OBT) halal to invest in?
Orange County Bancorp, Inc. (OBT) 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 Orange County Bancorp, Inc. get a F compliance rating?
Orange County Bancorp, Inc. (OBT) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 6.9% (limit 30%); interest-bearing deposits of 72.6% (limit 30%); prohibited income of 85.36% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Orange County Bancorp, Inc.'s Shariah verdict?
Orange County Bancorp, Inc.'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 Orange County Bancorp, Inc. re-screened for Shariah compliance?
Orange County Bancorp, Inc. (OBT) 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: Jun 20, 2026.

Screened according to AAOIFI Standard No. 21 路 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.