Is NSTS Bancorp, Inc. NSTS stock halal to invest in?

No, as of August 2026, NSTS Bancorp, Inc. stock (NSTS) 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. NSTS 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 NSTS Bancorp, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

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

Tabadulat reviews NSTS Bancorp, Inc. NSTS 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 Monthly screening ensures the status shown for NSTS Bancorp, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.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 NSTS Bancorp, Inc. NSTS pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, NSTS Bancorp, Inc. stock (NSTS) 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. NSTS 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 NSTS Bancorp, Inc. NSTS pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, NSTS Bancorp, Inc. stock (NSTS) 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). NSTS 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 NSTS Bancorp, Inc. NSTS pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, NSTS Bancorp, Inc. stock (NSTS) 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. NSTS 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 NSTS Bancorp, Inc. NSTS stock?

NSTS Bancorp, Inc. (NSTS) 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 NSTS 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 NSTS Bancorp, Inc. NSTS pass the AAOIFI Preference Share screen?

Yes, as of August 2026, NSTS Bancorp, Inc. stock (NSTS) 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. NSTS 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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NSTS Bancorp, Inc.

NASDAQ

Shariah-Compliant

Not Shariah

NSTS

About

NSTS Bancorp, Inc.

NSTS

Nsts Bancorp Inc. is a financial holding company primarily engaged in the provision of banking services through its subsidiary, North Shore Trust and Savings. The company's core function is to deliver a range of financial products and services tailored to meet the needs of both individual customers and local businesses. Through its operations, Nsts Bancorp Inc. offers traditional banking solutions such as checking and savings accounts, personal and commercial loans, and mortgage products. The company plays a vital role in the regional banking industry by facilitating transactions and providing necessary credit facilities that support the economic activities of its community. As part of the financial services sector, Nsts Bancorp Inc. contributes to the stability and growth of the local economy by ensuring the efficient allocation of financial resources and promoting financial inclusion. Positioned as a regional player, its significance is underscored by its focus on customer service and community involvement, reinforcing its dedication to serving the financial needs of the regions it operates within.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

Website:

https://www.northshoretrust.com

NSTS

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NSTS Bancorp, Inc.

About

NSTS Bancorp, Inc.

NSTS

Frequently asked questions

Is NSTS Bancorp, Inc. NSTS stock halal to invest in?

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

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

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

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

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

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

Can I buy NSTS Bancorp (NSTS) stock on Tabadulat?

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