株式会社常陽銀行 (Joyo Bank)
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This entry sits under regional-banks INDEX. Read it against Ashikaga Bank for peer / contrast context and banking index for the broader system / regulatory boundary.
TL;DR
Joyo Bank is the core bank of Mebuki FG, based in Ibaraki Prefecture. It was established in 1935年7月30日 through the merger of Joban Bank and Itsuju Bank, and in 2016年10月 it launched Mebuki FG via a business integration with Ashikaga HD. It is an anchor for viewing the regional finance of Ibaraki / Tochigi / the northern Tokyo metropolitan area, and of manufacturing, agriculture, the Tsukuba research-and-academic city, and the Hitachi-group supply chain.
1. Company overview
| 項目 | 内容 |
|---|---|
| 正式名 | 株式会社 常陽銀行 |
| 本店 | 茨城県水戸市南町2丁目5番5号 |
| 創立 | 1935年7月30日 |
| 親会社 | [[regional-banks/mebuki-fg |
| 統合 | 2016年10月、足利 HD と経営統合 |
| 主地盤 | 茨城県、北関東、首都圏北部 |
According to official and parent-company materials, as of 2025-09-30 the bank reports capital of 851億円, 3,112 employees, 181 店 domestic branches, 4 overseas representative offices, total assets of 12兆8,287億円, deposits of 10兆4,059億円, loans of 7兆6,250億円, and a consolidated capital-adequacy ratio of 13.13%.
2. Business-segment map
| 事業セグメント | 内容 | 重要性 |
|---|---|---|
| 茨城法人金融 | 地場中小企業、製造業、農業、医療向け | 常陽銀行の基盤 |
| 研究都市・大学連携 | つくば、研究機関、スタートアップ | 成長産業支援 |
| 首都圏北部 | 東京近接企業、物流、住宅 | 地銀と都市圏の境界 |
| 個人金融 | 預金、住宅ローン、資産運用 | 地域家計基盤 |
| 海外支援 | 上海、シンガポール、ニューヨーク、ハノイ拠点 | 県内企業の海外展開支援 |
| グループ連携 | 足利銀行・めぶき証券・めぶきリース | 北関東広域化 |
3. Strategy / competition
- Northern-Kanto wide-area model: With Joyo Bank’s main base in Ibaraki and Ashikaga Bank’s in Tochigi, the two form a regional-bank group spanning prefectural borders as Mebuki FG.
- Tsukuba / Hitachi / manufacturing touchpoints: Ibaraki concentrates research institutes, industrial parks, and Hitachi-group, materials, food, and agriculture-related companies, so depth in corporate support is important.
- Tokyo-metropolitan-adjacent regional bank: Its proximity to the Tokyo area exposes it to competition from megabanks, net banks, and securities firms.
- Comparison with 77 Bank: Whereas 77-bank is a standalone major bank at the core of Tohoku, Joyo has already been reorganized as one part of a wide-area holding company.
4. Regulation / policy
- The bank entity is subject to the Banking Act, and the parent is subject to bank-holding-company regulation.
- Through the listed holding company mebuki-fg it is subject to TSE and FIEA disclosure.
- In regional financial policy, business succession, industrial transition, municipal cooperation, and regional DX support across the wider northern Kanto are the points of discussion.
Related
- mebuki-fg · 77-bank · chiba-bank
- banking INDEX · FinWiki index
Sources
- 常陽銀行「会社概要・沿革・年史」: https://www.joyobank.co.jp/kabunushi/corporate/history.html
- めぶき FG Annual Report / disclosure library: https://www.mebuki-fg.co.jp/eng/shareholder/ir_library/annual_report/
[!info] Verification status confidence: likely. The Joyo Bank–Mebuki FG integration relationship and 2025-09-30 KPIs are confirmed in official and parent-company materials.