Is NBT Bancorp, Inc. NBTB stock halal to invest in?

No, as of August 2026, NBT Bancorp, Inc. stock (NBTB) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. NBT Bancorp, Inc. currently does not meet the threshold for the non-permissible income screen. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of NBT Bancorp, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is NBT Bancorp, Inc. NBTB reviewed for Shariah compliance?

Tabadulat reviews NBT Bancorp, Inc. NBTB for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for NBT Bancorp, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does NBT Bancorp, Inc. NBTB pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, NBT Bancorp, Inc. stock (NBTB) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. NBT Bancorp, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does NBT Bancorp, Inc. NBTB pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, NBT Bancorp, Inc. stock (NBTB) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). NBT Bancorp, Inc.'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does NBT Bancorp, Inc. NBTB pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, NBT Bancorp, Inc. stock (NBTB) passes the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. This cap limits shareholders' exposure to interest-based leverage. NBT Bancorp, Inc.'s interest-bearing debt is currently within the 30% threshold. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for NBT Bancorp, Inc. NBTB stock?

NBT Bancorp, Inc. (NBTB) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If NBT Bancorp, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does NBT Bancorp, Inc. NBTB pass the AAOIFI Preference Share screen?

Yes, as of August 2026, NBT Bancorp, Inc. stock (NBTB) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. NBT Bancorp, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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NBT Bancorp, Inc.

NASDAQ

Shariah-Compliant

Not Shariah

NBTB

About

NBT Bancorp, Inc.

NBTB

NBT Bancorp Inc. is a financial holding company that primarily engages in delivering comprehensive banking services. Serving communities primarily in the Northeastern United States, it operates over 150 banking locations, focusing on providing personal and business banking services, including savings, checking accounts, and lending products. NBT Bancorp also offers wealth management services, including trust and investment management. A critical part of its function is to support both consumer and commercial clients with customized financial solutions to meet their personal and business needs. The company's operations have a significant impact on the regional economy, supporting local businesses and contributing to community development. In the financial markets, NBT Bancorp Inc. represents a stable regional banking entity characterized by its commitment to personalized service and local engagement. Founded in 1856 and headquartered in Norwich, New York, it maintains a robust position in the community banking sector, embodying resilience and adaptability amid evolving economic conditions. As a regional bank, NBT Bancorp plays a pivotal role in facilitating local economic activity and providing the infrastructural backbone for financial transactions within its operating region.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

2083

Website:

https://www.nbtbancorp.com

NBTB

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NBT Bancorp, Inc.

About

NBT Bancorp, Inc.

NBTB

Frequently asked questions

Is NBT Bancorp, Inc. NBTB stock halal to invest in?

How often is NBT Bancorp, Inc. NBTB reviewed for Shariah compliance?

Does NBT Bancorp, Inc. NBTB pass the AAOIFI Non Permissible Income criteria?

Does NBT Bancorp, Inc. NBTB pass the AAOIFI Interest Bearing Investments criteria?

Does NBT Bancorp, Inc. NBTB pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for NBT Bancorp, Inc. NBTB stock?

Does NBT Bancorp, Inc. NBTB pass the AAOIFI Preference Share screen?

Can I buy NBT Bancorp (NBTB) stock on Tabadulat?

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