The Hokuto Bank (北都銀行)

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against The Shonai Bank for the same-group merger counterparty, and against the FSA plus banking for the supervisory / system boundary. Group context lives in the parent Fidea HD page.

TL;DR

The Hokuto Bank, Ltd. (株式会社北都銀行) is a regional bank (first regional bank) headquartered in Akita Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list, an operating bank under Fidea HD. As announced 2024-11 , it is scheduled to merge in 2027 年 1 月 with The Shonai Bank (Yamagata) under the same FG and launch as “Fidea Bank” (head office: Yamagata City). The substance of its business is the standard regional-bank model of deposit-taking within Akita Prefecture and lending to SMEs, individuals, and local governments.

1. License / group boundary

The following table is scoped to public primary sources (fsa.go.jp, hokutobank.co.jp, nikkinonline.com). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

2. Operating model

The Hokuto Bank is a regional bank that, centered on Akita Prefecture, handles retail, SME, public-sector, renewable-energy, tourism, and local-asset-management support. While it faces the same Akita Prefecture market as the separately listed Akita Bank, the Hokuto Bank is the Akita-side operating company of Fidea HD’s Yamagata-Akita wide-area model. Through the 2027 年 1 月 merger with the Shonai Bank, the two banks will be reorganized into a single wide-area bank (Fidea Bank).

3. Regulatory & system positioning

• Supervision: Supervised by the FSA (FSA) and the Tohoku Local Finance Bureau under the Banking Act. Its soundness is disciplined by capital-adequacy-ratio regulation (domestic standard) and the like.
• Industry body: A first regional bank belonging to the Regional Banks Association of Japan. It participates in the nationwide bank fund-settlement network (Zengin System), and as for an industry body it connects to the framework of Zenginkyo.
• Depositor protection: Deposits are covered by the Deposit Insurance Corporation (DIC).
• Consolidation context: For the general context of cross-prefecture FG-led regional-bank mergers (Fidea Bank), see regional-bank consolidation pattern.

4. Why this page matters

• Parent fidea-hd coverage alone did not expose the licensed bank boundary.
• The 2027-01 planned merger into Fidea Bank needs a bank-level watch anchor.
• Useful peer for akita-bank and shonai-bank.

Related

• regional-banks INDEX
• fidea-hd
• shonai-bank
• akita-bank
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

• FSA (金融庁): bank license list (ginkou.xlsx), regional banks.
• The Hokuto Bank official company profile (会社概要), https://www.hokutobank.co.jp/profile/.
• Nikkin Online: “Hokuto Bank and Shonai Bank to merge into ‘Fidea Bank’, starting 27/1” (Fidea HD merger announcement, announced 2024-11-08), https://www.nikkinonline.com/article/228318.