What is HBT Financial, Inc.'s Shariah compliance score?

HBT Financial, Inc.'s (HBT) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does HBT Financial, Inc. pass AAOIFI screening?

HBT Financial, Inc. (HBT) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (HBT: 6.9%), (3) interest-bearing deposits below 30% (HBT: 88.7%), and (4) prohibited income below 5% (HBT: 87.2%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for HBT Financial, Inc. stock?

HBT Financial, Inc. (HBT) has a non-permissible income ratio of 87.20%. Muslim investors should purify this percentage of any dividends received and capital gains realized from HBT shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen HBT Financial, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for HBT Financial, Inc. (HBT) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about HBT's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

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

HBT: Is HBT Financial, Inc. Halal?

Not Halal

HBT Financial, Inc.

NASDAQFinancial ServicesUS

$28.47

+0.81%

AvoidBorderlineClean

About HBT Financial, Inc.

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, farmland sales, and crop insurance services; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. It operates through 57 branch locations in Central and Northeastern Illinois and four locations in Eastern Iowa. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 11, 2026

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 11, 2026Fiscal: FY 2025Source: FMP

Financial Overview

Market Cap

894.9M

Price

$28.47

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:

GLDA+

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ABA+

AllianceBernstein Holding L.P.

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IPCXA+

Inflection Point Acquisition Corp. III

$10.31

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AXINA+

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$10.42

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Frequently Asked Questions

Is HBT Financial, Inc. (HBT) halal to invest in?

HBT Financial, Inc. (HBT) 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 HBT Financial, Inc. get a F compliance rating?

HBT Financial, Inc. (HBT) 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 88.7% (limit 30%); prohibited income of 87.20% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change HBT Financial, Inc.'s Shariah verdict?

HBT Financial, 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 HBT Financial, Inc. re-screened for Shariah compliance?

HBT Financial, Inc. (HBT) 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 11, 2026.

Screened according to AAOIFI Standard No. 21 · 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.