The Kitakyushu Bank

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against The Bank of Fukuoka for the same-prefecture peer / contrast, and against the FSA plus banking for the supervisory / system boundary.

TL;DR

The Kitakyushu Bank, Ltd. (株式会社北九州銀行) is a regional bank headquartered in Kitakyushu City, Fukuoka Prefecture, that holds a bank license under the Banking Act and is listed on the FSA’s bank license list. It is a Kitakyushu-area operating bank under Yamaguchi FG (YMFG), and within Fukuoka Prefecture it is treated as a regional-bank peer that is a separate legal entity from The Bank of Fukuoka / Nishi-Nippon City Bank. Its business substance is deposit-taking in the Kitakyushu / Kanmon area and lending to SMEs and individuals.

1. License / group boundary

Item	Notes
Legal name	株式会社北九州銀行 / The Kitakyushu Bank, Ltd.
License route	bank license under the Banking Act (regional bank / regional bank); FSA bank license list
Group boundary	[[regional-banks/yamaguchi-fg
Home market	Fukuoka / Kitakyushu（福岡県北九州市本店）
Wiki role	Kitakyushu regional-bank operating-company page

2. Operating model

The Kitakyushu Bank is a regional bank that, centered on the Kitakyushu / Kanmon area, handles retail deposits, SME finance, local relationship banking, and cross-prefecture business support. The YMFG page handles the three-bank model of the Bank of Yamaguchi / Momiji Bank / The Kitakyushu Bank, while this page handles the bank-license entity. Within Fukuoka Prefecture it has a peer boundary with The Bank of Fukuoka and Nishi-Nippon City Bank.

3. Regulatory & system positioning

Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Kyushu Local Finance Bureau. Soundness is disciplined by capital adequacy ratio regulation (domestic standard) and the like.
Industry body: A regional bank belonging to the Regional Banks Association of Japan. It participates in the nationwide bank funds-settlement network (the Zengin System), and as an industry body it connects to the framework of Zenginkyo.
Depositor protection: Deposits are covered by the Deposit Insurance Corporation of Japan (DIC).
Consolidation context: For the general context of YMFG’s multi-bank model and Kyushu regional-bank reorganization, see regional-bank consolidation pattern.

4. Why this page matters

Closes the FSA exact-name operating-company gap for 北九州銀行.
Separates Kitakyushu bank-license coverage from YMFG group strategy.
Provides a peer anchor for The Bank of Fukuoka, Nishi-Nippon City Bank, and Momiji Bank.

Sources

FSA (金融庁): bank license list (ginkou.xlsx), regional banks.
The Kitakyushu Bank official company profile (会社概要).