株式会社常陽銀行 (Joyo Bank)

Wiki route

This entry sits under regional-banks INDEX. Read it against Ashikaga Bank for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

Joyo Bank is the core bank of Mebuki FG, based in Ibaraki Prefecture. It was established in 1935年7月30日 through the merger of Joban Bank and Itsuju Bank, and in 2016年10月 it launched Mebuki FG via a business integration with Ashikaga HD. It is an anchor for viewing the regional finance of Ibaraki / Tochigi / the northern Tokyo metropolitan area, and of manufacturing, agriculture, the Tsukuba research-and-academic city, and the Hitachi-group supply chain.

1. Company overview

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

According to official and parent-company materials, as of 2025-09-30 the bank reports capital of 851億円, 3,112 employees, 181 店 domestic branches, 4 overseas representative offices, total assets of 12兆8,287億円, deposits of 10兆4,059億円, loans of 7兆6,250億円, and a consolidated capital-adequacy ratio of 13.13%.

2. Business-segment map

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

3. Strategy / competition

• Northern-Kanto wide-area model: With Joyo Bank’s main base in Ibaraki and Ashikaga Bank’s in Tochigi, the two form a regional-bank group spanning prefectural borders as Mebuki FG.
• Tsukuba / Hitachi / manufacturing touchpoints: Ibaraki concentrates research institutes, industrial parks, and Hitachi-group, materials, food, and agriculture-related companies, so depth in corporate support is important.
• Tokyo-metropolitan-adjacent regional bank: Its proximity to the Tokyo area exposes it to competition from megabanks, net banks, and securities firms.
• Comparison with 77 Bank: Whereas 77-bank is a standalone major bank at the core of Tohoku, Joyo has already been reorganized as one part of a wide-area holding company.

4. Regulation / policy

• The bank entity is subject to the Banking Act, and the parent is subject to bank-holding-company regulation.
• Through the listed holding company mebuki-fg it is subject to TSE and FIEA disclosure.
• In regional financial policy, business succession, industrial transition, municipal cooperation, and regional DX support across the wider northern Kanto are the points of discussion.

Related

• mebuki-fg · 77-bank · chiba-bank
• banking INDEX · FinWiki index

Sources

• 常陽銀行「会社概要・沿革・年史」: https://www.joyobank.co.jp/kabunushi/corporate/history.html
• めぶき FG Annual Report / disclosure library: https://www.mebuki-fg.co.jp/eng/shareholder/ir_library/annual_report/

---

[!info] Verification status confidence: likely. The Joyo Bank–Mebuki FG integration relationship and 2025-09-30 KPIs are confirmed in official and parent-company materials.