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

Southern California Bancorp

BCAL: Is Southern California Bancorp Halal?

Not Halal

Southern California Bancorp

NASDAQFinancial ServicesUS

$19.50

-0.86%

About Southern California Bancorp

Southern California Bancorp operates as the parent organization for Bank of Southern California, N.A., delivering a comprehensive array of financial solutions. Their services are designed to meet the needs of individuals, professionals, and small to mid-sized businesses. Customers can choose from a variety of deposit products, including checking, personal and business savings accounts, money market accounts, and certificates of deposit. For lending, the bank offers home equity lines of credit, diverse business loan options such as lines of credit, commercial real estate and construction loans, and Small Business Administration (SBA) loans, in addition to letters of credit, and both personal and business credit cards. Beyond traditional banking, the company provides a suite of specialized services. These encompass cash vault and sweep accounts, remote deposit capture, convenient online and mobile banking platforms, courier and lockbox services, and merchant services. The institution maintains a physical presence through branches located in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as throughout the Inland Empire region. Southern California Bancorp was established in 2001 and its main office is situated in San Diego, California.

Sector: Financial Services 路 Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 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 Cap11.4% / 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 18, 2026Fiscal: FY 2025Source: FMP

Financial Overview

Market Cap

627.2M

Price

$19.50

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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Inflection Point Acquisition Corp. III

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Axiom Intelligence Acquisition Corp 1
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Axiom Intelligence Acquisition Corp 1

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+0.29%

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Frequently Asked Questions

Is Southern California Bancorp (BCAL) halal to invest in?
Southern California Bancorp (BCAL) 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 Southern California Bancorp get a F compliance rating?
Southern California Bancorp (BCAL) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 11.4% (limit 30%); interest-bearing deposits of 45.7% (limit 30%); prohibited income of 95.32% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Southern California Bancorp's Shariah verdict?
Southern California Bancorp'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 Southern California Bancorp re-screened for Shariah compliance?
Southern California Bancorp (BCAL) 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 18, 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.