---
title: "城北信用金庫"
aliases: ["Johoku Shinkin Bank", "城北信金", "信金"]
domain: cooperative-banks
created: 2026-05-24
last_updated: 2026-07-29
last_tended: 2026-07-29
review_by: 2026-10-27
confidence: likely
tags: [JapanFG, shinkin, cooperative-banking, tokyo, kanto, operating-company]
status: active
sources:
  - "https://www.shinkin.co.jp/johoku/profile/"
  - "https://www.fsa.go.jp/menkyo/menkyoj/shinkin.xlsx"
  - "https://www.shinkin-central-bank.jp/"
---

# 城北信用金庫

## Wiki route

This entry sits under [[cooperative-banks/INDEX|cooperative-banks index]]. Read it against [[cooperative-banks/jonan-shinkin|城南信用金庫]] for peer / contrast context (Tokyo 南西部 vs 北部) inside the Tokyo shinkin block, [[banking/shinkin-bank-registry-japan|Japan shinkin bank registry]] for the system landscape, [[cooperative-banks/shinkin-central|信金中央金庫]] for the cooperative central institution above it, and [[financial-regulators/fsa|the FSA]] for the supervisory / licensing boundary over 信用金庫.

## TL;DR

城北信用金庫は、東京都荒川区に本店を置く、東京北部（荒川・足立・北・台東・葛飾・板橋など）と埼玉県南部を主たる営業地盤とする中堅信用金庫。下町の中小製造業・商店・個人事業主への融資を中核とする協同組織金融機関。

## 1. License / group boundary

| Item | Notes |
|---|---|
| Legal name | 城北信用金庫 |
| Institution type | 信用金庫 (shinkin bank) — member-based cooperative under 信用金庫法 |
| License route | 信用金庫法 / FSA 信用金庫免許一覧 |
| Supervisor | [[financial-regulators/fsa|金融庁 (FSA)]] + 関東財務局 (regional 財務局 delegated supervision) |
| Group boundary | Member of [[cooperative-banks/shinkin-central|信金中央金庫]] cooperative system |
| Deposit protection | [[financial-regulators/dic|預金保険機構 (DIC)]] — shinkin deposits are DIC-insured |
| Home market | 東京都北部 + 埼玉県南部 |
| Wiki role | Tokyo 北部 shinkin operating-company anchor page |

Sources: 正式名、法人番号、本店所在地、免許名簿上の存在は金融庁一覧、営業地区・組織情報は城北信用金庫の公式プロフィールで確認する。 ^[Sources: https://www.fsa.go.jp/menkyo/menkyoj/shinkin.xlsx; https://www.shinkin.co.jp/johoku/profile/.]

## 2. Institution-type business model

As a **信用金庫 (shinkin bank)**, 城北信用金庫 is a *member-based cooperative deposit-taking institution* chartered under 信用金庫法, not a joint-stock bank. Membership and lending are confined to a defined 営業地区 — here Tokyo's 下町 (荒川・足立・葛飾 etc.) and 埼玉県南部 — and credit is statutorily oriented to member SMEs (町工場・金属加工・印刷・革製品 などの中小製造業) and retail households rather than the open corporate market. Surplus is returned to members and reserves, the defining feature of the 協同組織金融 (cooperative finance) tier it shares with [[cooperative-banks/jonan-shinkin|城南信用金庫]] and [[cooperative-banks/asahi-shinkin|朝日信用金庫]].

城北信用金庫は、東京北部の下町地域（荒川・足立・葛飾など）の中小製造業・町工場・小売商店向けの SME 融資・運転資金・住宅ローンを中核業務とする。下町の中小企業集積（金属加工・印刷・革製品など）への密着型融資が特徴。東京の shinkin landscape では [[cooperative-banks/jonan-shinkin|城南信用金庫]]（南西部）・[[cooperative-banks/asahi-shinkin|朝日信用金庫]]（都心部）と並ぶ地域分担の一翼を担う。

## 3. System & regulatory positioning

- **Central institution**: sits beneath [[cooperative-banks/shinkin-central|信金中央金庫 (Shinkin Central Bank)]] for liquidity, surplus-fund investment, and settlement — the shinkin analogue of [[cooperative-banks/norinchukin|農林中央金庫]] for the JA system.
- **Supervision**: licensed under 信用金庫法 by [[financial-regulators/fsa|the FSA]] with day-to-day oversight delegated to the regional 財務局; deposits are insured by [[financial-regulators/dic|the Deposit Insurance Corporation (DIC)]].
- **System context**: see [[banking/cooperative-banking-japan|cooperative banking in Japan]] for the shinkin tier's place within 協同組織金融 and [[banking/shinkin-bank-registry-japan|the shinkin registry]] for the national 信用金庫 population.

## 4. Why this page matters

- 東京下町中小製造業金融のキープレイヤーの operating-company entry。
- 東京 shinkin の地理的分担（城南 vs 城北 vs 朝日）のアンカー。
- 下町中小企業集積の協同組織金融モデルのケース。

## Related

- [[cooperative-banks/shinkin-central]]
- [[cooperative-banks/jonan-shinkin]]
- [[cooperative-banks/asahi-shinkin]]
- [[cooperative-banks/tama-shinkin]]
- [[banking/shinkin-bank-registry-japan]]
- [[banking/cooperative-banking-japan]]
- [[banking/INDEX]]

## Sources

- FSA: 信用金庫免許一覧 (latest snapshot per FSA registry)
- 城北信用金庫 公式 会社概要 (per official 城北信用金庫 corporate site)
- 信金中央金庫 cooperative system context