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Fidea HD (フィデア HD)

Confidence: Likely Updated 2026-05-26 Review by 2026-11-15 Sources 6 Machine-translated Original (JA)
#JapanFG#regional-bank#tohoku
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This entry sits under regional-banks INDEX. Read it against Jimoto HD for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

A mid-tier regional-bank FG based in Yamagata + Akita. Established through the 2009-10-01 joint share transfer of Shonai Bank (based in Yamagata Prefecture) + Hokuto Bank (based in Akita Prefecture), it drew attention as the first case in eastern Japan of a regional-bank integration crossing a prefectural border. 2026-05-21 Under the current wiki boundary, shonai-bank and hokuto-bank are the operating banks, while tohoku-bank is treated as a separate company whose basic agreement on management integration was dissolved at 2022-02 . Hokuto Bank’s official profile indicates a plan for Hokuto Bank and Shonai Bank to merge at 2027-01 and launch as “Fidea Bank.” The name Fidea = a coined word from the Latin for “trust (fides)” + “idea (idea).”

1. Company overview

Legal name: Fidea Holdings, Inc. English name: Fidea Holdings, Inc. Securities code: TSE PRIME 8713 Established: 2009-10-01 (holding company established via joint share transfer of Shonai Bank + Hokuto Bank) Origin of name: a combination of the Latin fides (trust) + idea (idea)

Major subsidiaries / equity stakes 

Fidea HD (holding company, listed 8713)
  ├── Shonai Bank (100%) ── Yamagata Prefecture base core / planned merger into Fidea Bank at 2027-01 
  │     └── 1878  founded as the 67th National Bank → renamed Shonai Bank in 1941 
  ├── Hokuto Bank (100%) ── Akita Prefecture base core / planned merger into Fidea Bank at 2027-01 
  │     └── 1895  48th National Bank lineage → Hokuto Bank
  ├── Fidea Information Systems ── group IT oversight
  ├── Fidea Card ── group credit card
  └── Shonai / Hokuto respective capital arms, etc. ── regional investment / consulting

The basic agreement on management integration with Tohoku Bank was dissolved at 2022-02 . Tohoku Bank is covered on a separate page, [[regional-banks/tohoku-bank]].

Merger history / predecessors

  • Former Shonai Bank: founded as the 1878 67th National Bank (Shonai-domain samurai-class capital, Tsuruoka) → renamed Shonai Bank in 1941 . Expanded with a base in the Shonai region of Yamagata Prefecture, and after the war spread across the whole prefecture
  • Former Hokuto Bank: founded as part of the 1895 48th National Bank lineage → became Hokuto Bank through the wartime and postwar regional-bank reorganization. Based in Akita Prefecture, with rice-farming and sake-brewing lending as a tradition
  • Fidea HD launched (2009-10-01): against the backdrop of population decline in both Yamagata and Akita prefectures and declining regional-bank profitability, established via joint share transfer as the first cross-prefectural-border regional-bank integration in eastern Japan
  • Dissolution of the basic agreement with Tohoku Bank (2022-02): a management-integration discussion was announced in 2021 年, but the basic agreement was dissolved at 2022-02 . Thereafter, Tohoku Bank is not a Fidea operating bank.
  • Fidea Bank planned merger (2027-01 planned): Hokuto Bank’s official profile indicates a plan for Hokuto Bank and Shonai Bank to merge at 2027-01 and launch as “Fidea Bank.”

Key chronology

Year/MonthEvent
187867th National Bank founded (predecessor of Shonai Bank)
189548th National Bank lineage founded (predecessor of Hokuto Bank)
1941Renamed Shonai Bank
2009-10-01Fidea HD launched (Shonai Bank + Hokuto Bank joint share transfer)
2017〜“Tohoku Cheer Private Placement Bonds” started, promotion of regional-revitalization projects
2022-04TSE market-segment review → TSE PRIME
2024Medium-term management plan formulated
2021-07Announced the basic agreement on management integration with Tohoku Bank
2022-02Dissolved the basic agreement on management integration with Tohoku Bank
2027-01 (planned)Shonai Bank + Hokuto Bank to merge and launch as “Fidea Bank”

2. Business segment map

SegmentMain operatorCharacteristics
Base core (Yamagata)Shonai BankShonai region (Tsuruoka / Sakata) + inland (Yamagata / Yonezawa), strengths in rice-farming and fruit-tree (cherry) finance
Base core (Akita)Hokuto BankAll of Akita Prefecture, rice-farming / sake-brewing / timber-industry finance
Planned bank mergerFidea BankShonai Bank + Hokuto Bank merger watch planned for 2027-01
Corporate lendingShonai Bank / Hokuto BankLocal SMEs + regional revitalization (tourism / agriculture 6 -ary-izing)
Private placement bondsFidea HD groupSupporting regional companies’ fundraising with “Tohoku Cheer Private Placement Bonds” (2017〜)
Individual retailShonai Bank / Hokuto BankMortgages, pension accounts, asset management for regional high-net-worth individuals
Securities / leasing / cardsGroup subsidiariesStandard regional-bank-FG lineup

North-Tohoku wide-area alliance strategy

  • Continuing the wide-area expansion across the 2 prefectures of Yamagata + Akita, with a policy of unifying Shonai Bank and Hokuto Bank into “Fidea Bank” via the 2027-01 planned merger.
  • A model similar to the neighboring proCRD-hd (Aomori ProCRD HD = Aomori Bank + Michinoku Bank): management integration led by population-declining prefectures
  • Competition / alternatives: standalone banks such as 77 Bank (77 Bank) (Miyagi), Iwate Bank (Iwate first-tier regional bank), Yamagata Bank, Akita Bank, etc., plus Japan Post Bank / agricultural-cooperative affiliates

Industry-finance specialization

  • Traditional industry finance for rice farming, fruit trees (cherries / grapes), and fisheries
  • “Tohoku Cheer Private Placement Bonds” (2017〜): linked to regional-revitalization projects, balancing support for regional companies’ fundraising with branding
  • Expansion into tourism, agriculture 6 -ary-izing, and renewable-energy finance (such as wind power along the Tohoku coast)

Competitive structure

  • Megabanks (mufg / smfg / mizuho-fg): limited contest over within-prefecture corporate main-bank relationships; rather a complementary relationship
  • Japan Post Bank (yucho): competes in individual deposits
  • Standalone regional banks within the prefectures (Yamagata Bank / Akita Bank / Iwate Bank): direct competitors, but the scale gap has widened due to the integration

4. Regulation / policy ^[extracted/inferred]

  • Supervisor: FSA / Tohoku Local Finance Bureau
  • Regional-bank reorganization policy: the 2020〜 Antimonopoly Act special-measures law (exemption of regional-bank integrations from antimonopoly-law application) tolerates within-prefecture share concentration under certain conditions. The Fidea case is not a Tohoku Bank inclusion, but rather is tracked first as a Shonai + Hokuto unification watch.
  • Holding-company regulation: Banking Act Article 52 -17
  • Recent policy points:
    • 2024〜 BOJ policy-rate normalization → improvement in regional-bank deposit-lending interest margins
    • Optimization of the branch network and DX investment in population-declining regions
    • Regional revitalization / renewable-energy finance

Sources

[!info] Verification status confidence: likely (2026-05-21 boundary correction). The Tohoku Bank planned integration has been corrected as dissolved at 2022-02 . The 2027-01 planned “Fidea Bank” is based on Hokuto Bank / Shonai Bank official information; the final merger effective date, systems integration, and brand operation are to be tracked.