Toho Bank (東邦銀行)
On this page
- Wiki route
- TL;DR
- 1. Company overview
- Characteristics of the business type
- Major affiliates
- Wartime-consolidation period: launch under the one-prefecture-one-bank policy
- Postwar〜bubble period
- Great East Japan Earthquake + nuclear accident (most important) ★
- Geographic base
- Competitive landscape
- Sense of scale (based on public information)
- 5. Regulation / policy
- 6. Branding / culture
- Related
- Sources
Wiki route
This entry sits under regional-banks INDEX. Read it against Fidea HD for peer / contrast context and banking index for the broader system / regulatory boundary.
TL;DR
The only first-tier regional bank in Fukushima Prefecture / No.1 share within Fukushima Prefecture, head office in Fukushima City, TSE PRIME 8346. Established at 1941-11-21 by consolidating 5 行 within Fukushima Prefecture through wartime consolidation; listed on the TSE at 1949 . Maintaining a standalone-bank structure, it participates in the TSUBASA Alliance led by 2015 chiba-bank, advancing systems sharing and wide-area cooperation. Having experienced the 2011-03-11 double disaster of the Great East Japan Earthquake + the Fukushima Daiichi nuclear accident, it plays a central role in reconstruction lending and transactions in the nuclear-accident-related difficult-to-return zones ★. Abbreviated “Toho.”
1. Company overview
Legal name: The Toho Bank, Ltd. English name: The Toho Bank, Ltd. Securities code: TSE PRIME 8346 Established: 1941-11-21 (consolidating 5 行 within Fukushima Prefecture through wartime consolidation) Head office: 3-25 Omachi, Fukushima City, Fukushima Prefecture Governance structure: Company with an Audit and Supervisory Committee Main supervisors: FSA, Tohoku Local Finance Bureau, BOJ Fukushima Branch
Characteristics of the business type
- Standalone bank / no holding-company formation
- Like 77-bank / chiba-bank / shizuoka-bank, a standalone path that does not opt for holding-company formation
- Maintaining independence while neighboring-prefecture banks have integrated under holding companies: Aomori Bank→proclair-hd, Ashikaga Bank→mebuki-fg, Joyo Bank→mebuki-fg
- TSUBASA Alliance member bank
- A regional-bank alliance established under the leadership of 2015 chiba-bank; 11 行 collaboration
- Acquiring scale merits while avoiding holding-company formation through systems sharing, overseas support, and product standardization
- No.1 deposit share within Fukushima Prefecture; the only within-prefecture first-tier regional bank as a commercial bank
Major affiliates
Toho Bank (standalone, listed 8346)
├── Toho Lease
├── Toho Card Co., Ltd.
├── Toho Credit Guarantee
├── Toho Information Systems
├── Toho Smile Co., Ltd.
├── Toho Consulting Partners Co., Ltd.
├── Toho IT Human Solutions Co., Ltd.
└── (no holding company; directly operated by the bank itself)Note: The comprehensive lineup of affiliated subsidiaries should be checked against the official disclosure publication (annual).
Wartime-consolidation period: launch under the one-prefecture-one-bank policy
| Year/Month | Event |
|---|---|
| 1872 | National Bank Ordinance promulgated |
| 1878〜1898 | Multiple national banks established within Fukushima Prefecture (the later predecessor-bank group) |
| 1936-1945 | Wartime consolidation / one-prefecture-one-bank policy |
| 1941-11-21 | The Toho Bank, Ltd. established (consolidating 5 行 within Fukushima Prefecture) |
| 1949 | Listed on the Tokyo Stock Exchange |
Postwar〜bubble period
| Year/Month | Event |
|---|---|
| 1950s〜1980s | Expanded its branch network across all of Fukushima Prefecture during the high-growth period, advancing into neighboring prefectures such as the metropolitan area, Miyagi, and Ibaraki |
| 1990s | Maintained the standalone path even through the regional-bank-industry reorganization period after the bursting of the bubble |
Great East Japan Earthquake + nuclear accident (most important) ★
| Year/Month | Event |
|---|---|
| 2011-03-11 | Great East Japan Earthquake occurred ★ Branches on the Fukushima Prefecture coast suffered tsunami damage, and inland branches also suffered earthquake damage |
| 2011-03-12 | TEPCO Fukushima Daiichi nuclear accident ★ Branches in the Futaba district and northern Hamadori were designated as difficult-to-return zones / evacuation-order zones and were closed long-term |
| 2011-03〜04 | Relief money / emergency lending, special measures for deposit withdrawals by disaster victims (handling without passbooks or seals) |
| 2012-2015 | The 5 -year intensive reconstruction period: the Great East Japan Earthquake reconstruction special-lending system, group subsidies, nuclear-damage-compensation-related lending |
| 2015 | Joined the TSUBASA Alliance (a founding member of the 11 行 alliance led by chiba-bank) |
| 2022-04 | Listed on TSE PRIME (market-segment review) |
Geographic base
- Main: all of Fukushima Prefecture (the 3 regions of Nakadori, Hamadori, and Aizu)
Competitive landscape
| Competitor | Base | Relationship |
|---|---|---|
| Daito Bank | Koriyama City, Fukushima Prefecture | A second-tier regional bank in Fukushima Prefecture, competing in SMEs and small-scale corporates |
| 77-bank | Sendai | The No.1 Tohoku regional bank in neighboring Miyagi, competing in metropolitan-area and Tohoku-traversing transactions |
| jimoto-hd | Sendai / Yamagata | Sendai Bank + Kirayaka Bank, a neighboring-prefecture regional-bank group |
| mebuki-fg | Ibaraki / Tochigi | Joyo Bank + Ashikaga Bank, a neighboring integrated regional bank |
| Megabanks (mufg / smfg / mizuho-fg) | Tokyo | Competing in large-corporate / metropolitan-area transactions; Toho is dominant in local SMEs |
| Shinkin / shinkumi (Fukushima Shinkin, etc.) | Various locations | Local micro-corporates / individuals |
Sense of scale (based on public information)
| Item | Scale |
|---|---|
| Total assets | approx. 6兆6,532億円 (end of 2025-03 ) |
| Deposit balance | 6兆1,205億円 (end of 2025-09 ) |
| Loan balance | 4兆1,561億円 (end of 2025-09 ) |
| Employees | non-consolidated 1,916 名 / consolidated 2,018 名 (end of 2025-09 / end of 2025-03 ) |
| Number of branches | 123 head office and branches (end of 2025-09 ) |
Note: Deposits, loans, employees, and number of branches are from Toho Bank’s official “Company overview” (as of end of 2025-09 ); total assets are on a 2025-03 -term-results basis. The latest figures should be checked against the official IR.
5. Regulation / policy
- Supervisor: FSA / Tohoku Local Finance Bureau
- Deposit insurance: Member of the Deposit Insurance Corporation
- G-SIB / D-SIB designation: Not applicable (as a regional bank)
- Recent policy points:
- 2024〜 BOJ policy-rate normalization → expectation of improved deposit-lending margins
- 2011〜 its role as a local financial institution under the Fukushima Reconstruction Special Act / the Act on Special Measures for the Reconstruction and Revitalization of Fukushima
- 2020s〜 lending related to the Fukushima Innovation Coast Framework, hydrogen, renewable energy, and the decommissioning-industry cluster
6. Branding / culture
- Abbreviation / common name: “Toho,” “Toho”
- CSR: Earthquake / nuclear-accident reconstruction, local education / culture support, decommissioning-related regional support
Related
- 77-bank · jimoto-hd · mebuki-fg · proclair-hd
- chiba-bank (TSUBASA Alliance lead bank)
- sbi-regional-bank-hd (neighboring competitor: Fukushima Bank affiliation)
- mufg · smfg · mizuho-fg
Sources
- Wikipedia: The Toho Bank, Ltd. (https://ja.wikipedia.org/wiki/東邦銀行, extracted 2026-05-19. Confirmed governance structure, subsidiaries, and TSUBASA participation)
- Toho Bank official company overview — https://www.tohobank.co.jp/company/information/data/ (deposits, loans, employees, number of branches, as of end of 2025-09 )
- Toho Bank 2025年3月-term earnings report — https://www.tohobank.co.jp/cms_source/data/zaimu/tanshin/files/20250509-1.pdf
- Toho Bank integrated report / disclosure publication (2025年3月 term) — https://www.tohobank.co.jp/company/ir/library/disclosure/2025/
- TSUBASA Alliance official information (Toho joined at 2012-04 ) — https://tsubasa-al.co.jp/
- Public materials related to the Act on Special Measures for the Reconstruction and Revitalization of Fukushima
[!info] Verification status confidence: likely (v1.0 based on public information 2026-05-19, 2026-05-29 figure cross-check). Qualitative information on the history and the earthquake / nuclear-accident response can be publicly confirmed via Wikipedia. Financial figures (total assets, deposits, loans, employees, number of branches) are fixed on the basis of Toho Bank’s official “Company overview” (as of end of 2025-09 ) and the 2025-03 -term results; the governance structure (company with an Audit and Supervisory Committee), subsidiary lineup, and TSUBASA participation (2012-04) have also been confirmed. Nuclear-accident-related provisions are not quantified in the body. To be updated with the latest-term figures at the next review (2026-11-15). Note that the date of establishment is recorded as 1941-11-04 in the official company overview (there is a discrepancy with this article’s 1941-11-21, which requires scrutiny).