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大垣共立銀行 (OKB)

Confidence: Likely Updated 2026-05-26 Review by 2026-11-15 Sources 4 Machine-translated Original (JA)
#JapanFG#regional-bank
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This entry sits under regional-banks INDEX. Read it against Fukuoka FG (FFG) for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

A regional bank of the Tokai region headquartered in Ogaki City, Gifu Prefecture. Founded in 1896-03 , listed on TSE PRIME 8361 , with a single-bank structure that has not become a holding company. Based in the Seino area of Gifu Prefecture, it takes the northern edge of the Chukyo economic zone in the northwestern part of Aichi Prefecture and the northern part of Mie Prefecture as its main business area. VI abbreviation “OKB” (introduced 1991 年). Under the concept of a “fun bank,” it is known for unique measures such as drive-through branches・pink-toned interior decoration・mobile branch vehicles, and also espouses being “Japan’s number-one bank for women’s empowerment.” In terms of intra-prefecture share, it is one of the two major banks alongside juroku-fg.

1. 会社概要

正式名：株式会社大垣共立銀行 英名：The Ogaki Kyoritsu Bank, Ltd. 証券コード：東証 PRIME 8361 / 名証プレミア 8361 創業：1896-03 (明治 29 年・大垣共立銀行として) 株式会社化：1929 東証上場：1949 本店：岐阜県大垣市郭町 3-98 統一金融機関コード：0152

主要数値 (2025年3月末・連結)

項目数値
業態地方銀行 (全国地方銀行協会加盟)
預金残高 (連結)5 兆 7,232 億円 (前年度末比 △75 億円)
貸出金残高 (連結)4 兆 4,947 億円 (前年度末比 △339 億円)
総資産 (連結)6 兆 5,418 億円
店舗数国内 149 店舗 (うち出張所 32) + 海外駐在員事務所 4 (岐阜県・愛知県・三重県中心)
従業員数単体 約 2,300 名 / 連結 約 2,960 名

グループ構造

大垣共立銀行 (単独銀行・上場 8361)
  ├── OKB 信用保証 (住宅ローン・消費者ローン保証)
  ├── OKB ビジネスサービス (事務代行・人材派遣)
  ├── OKB カード (クレジットカード・JCB 提携)
  ├── OKB リサーチセンター (地域シンクタンク)
  ├── OKB リース (リース)
  └── OKB ベンチャーキャピタル / 投資ファンド系子会社

The point that it has not become a holding company is a distinctive feature. While many major regional banks become FGs, OKB maintains its PRIME listing as a single bank.

重要年表 (抜粋)

年月事象
1896-03大垣共立銀行 設立 (大垣)
1929株式会社化
1944戦時統合で岐阜県内中小銀行を合併
1949東証上場
1989名証上場・コンピュータシステム第三次オンライン稼働
1991「OKB」VI 導入 (頭取・土屋嶢のもとブランディング刷新)
1995阪神・淡路大震災復興支援活動
2000 年代「楽しい銀行」コンセプト本格化・ドライブスルー支店展開
2010 年代移動店舗車「OKB ハートフルプラザ」運行・ピンク店舗増設
2014 年頃「日本一の女性活躍銀行」宣言
2022-04東証市場区分見直しで PRIME 市場へ移行
2024中期経営計画策定・サステナビリティ重視

2. 事業セグメント・マップ

セグメント主な対象特徴
個人預金・住宅ローン岐阜県・愛知県北西部・三重県北部住民「楽しい銀行」B2C ブランド
中小企業融資西濃地方の製造業 (自動車部品・繊維・食品)中京経済圏サプライチェーン
観光・地域融資養老・関ヶ原・大垣城下町観光業観光振興融資
ATM ネットワークコンビニ・ドライブスルー365 日年中無休稼動・他行 ATM 提携網
クレカOKB カード (JCB 提携)-
リース・投信OKB リース・他-

「楽しい銀行」ブランディング

  • Drive-through branches: deposits・withdrawals・transfers possible while staying in the car. A pioneering case in the regional-bank industry
  • Pink-toned interior: intentionally deconstructing the “banks are stiff” image. A strategy to capture female customers
  • Mobile branch vehicles: itinerant services for depopulated areas・the elderly
  • OKB レンガ通り (around the Ogaki head office): making it a regional-community base by attaching cultural facilities・a hall

「日本一の女性活躍銀行」

  • raising the ratio of female managers・childcare-support systems・financial products for women

競合関係

  • juroku-fg (Juroku FG・Gifu head office) ★largest competitor: overlapping across all of Gifu Prefecture + northern Aichi. Within Gifu Prefecture, Juroku leans toward the north of the prefecture / Gifu City and OKB toward Seino, so there is a division, but both deposits and loans are in direct competition
  • san-jusan-fg (San-jusan FG・Mie): overlapping in the northern part of Mie Prefecture (Kuwana・Yokkaichi)
  • Nagoya Bank (Aichi): overlapping in the northwestern part of Aichi Prefecture
  • Megabanks (mufg / smfg / mizuho-fg): competing in lending to large enterprises within Nagoya City
  • Shinkin・JA: small-scale businesses・agricultural finance in the Seino area

地理的ポジショニング

  • Based in the Seino area of Gifu Prefecture (Ogaki City・Yoro Town・Sekigahara Town・Ibigawa Town・Kaizu City, etc.)
  • Cross-border expansion into the northwestern part of Aichi Prefecture (Ichinomiya・Inazawa・Tsushima, etc.)
  • Also expanding into the northern part of Mie Prefecture (Kuwana・Inabe, etc.)
  • A “northern edge of the Chukyo economic zone” position — Nagoya-economic-zone access + tourism・agriculture + auto-parts supply-chain lending

観光融資

  • tourist inflows from the Chukyo region + inbound recovery create tourism-related lending needs

中期経営計画 (2024〜)

  • strengthening sustainability・ESG
  • DX・branch digitalization
  • women’s empowerment・human-capital investment

4. 規制・政策

  • 主管: 金融庁 (FSA) ・東海財務局
  • 加盟協会: 全国地方銀行協会 (地銀協)
  • 直近政策論点:
    • 2024〜 BOJ policy-rate normalization → expectations of margin improvement for regional banks
    • 2025〜 regional-bank restructuring pressure (management integration among regional banks・FG-ization) — OKB maintains its single-bank status
    • the structural transformation of the auto industry in the Chukyo economic zone (EV shift) affects lending to local SMEs

頭取・経営

  • Tsuchiya Takashi (土屋嶢): a figure who served at the top of management for a long time and is something of a “restorer,” driving the introduction of the “OKB” VI (1991)・and the “fun bank” concept

Sources

[!info] Verification status confidence: likely (based on v1.0 Wikipedia + official-site public information, created 2026-05-19). Specific settlement figures・number of branches・number of ATMs, etc. fluctuate over time, so for the latest values refer directly to OKB’s official IR・有価証券報告書. This note centers on structural information via Wikipedia and does not guarantee the point-in-time accuracy of quantitative figures.