The Hokuto Bank (北都銀行)

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against The Shonai Bank for the same-group merger counterparty, and against the FSA plus banking for the supervisory / system boundary. Group context lives in the parent Fidea HD page.

TL;DR

The Hokuto Bank, Ltd. (株式会社北都銀行) is a regional bank (first regional bank) headquartered in Akita Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list, an operating bank under Fidea HD. As announced 2024-11 , it is scheduled to merge in 2027 年 1 月 with The Shonai Bank (Yamagata) under the same FG and launch as “Fidea Bank” (head office: Yamagata City). The substance of its business is the standard regional-bank model of deposit-taking within Akita Prefecture and lending to SMEs, individuals, and local governments.

1. License / group boundary

Item	Notes
Legal name	株式会社北都銀行 / The Hokuto Bank, Ltd.
License route	Bank license under the Banking Act (regional bank / first regional bank); FSA bank license list
Group boundary	[[regional-banks/fidea-hd
Home market	Akita（秋田県本店）
Merger watch	Scheduled 2027-01 : merge with [[regional-banks/shonai-bank
Wiki role	Akita regional-bank operating-company page

2. Operating model

The Hokuto Bank is a regional bank that, centered on Akita Prefecture, handles retail, SME, public-sector, renewable-energy, tourism, and local-asset-management support. While it faces the same Akita Prefecture market as the separately listed Akita Bank, the Hokuto Bank is the Akita-side operating company of Fidea HD‘s Yamagata-Akita wide-area model. Through the 2027 年 1 月 merger with the Shonai Bank, the two banks will be reorganized into a single wide-area bank (Fidea Bank).

3. Regulatory & system positioning

Supervision: Supervised by the FSA (FSA) and the Tohoku Local Finance Bureau under the Banking Act. Its soundness is disciplined by capital-adequacy-ratio regulation (domestic standard) and the like.
Industry body: A first regional bank belonging to the Regional Banks Association of Japan. It participates in the nationwide bank fund-settlement network (Zengin System), and as for an industry body it connects to the framework of Zenginkyo.
Depositor protection: Deposits are covered by the Deposit Insurance Corporation (DIC).
Consolidation context: For the general context of cross-prefecture FG-led regional-bank mergers (Fidea Bank), see regional-bank consolidation pattern.

4. Why this page matters

Parent fidea-hd coverage alone did not expose the licensed bank boundary.
The 2027-01 planned merger into Fidea Bank needs a bank-level watch anchor.
Useful peer for akita-bank and shonai-bank.

Sources

FSA (金融庁): bank license list (ginkou.xlsx), regional banks.
The Hokuto Bank official company profile (会社概要), https://www.hokutobank.co.jp/profile/.
Nikkin Online: “Hokuto Bank and Shonai Bank to merge into ‘Fidea Bank’, starting 27/1” (Fidea HD merger announcement, announced 2024-11-08), https://www.nikkinonline.com/article/228318.