The Shonai Bank

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Hokuto Bank for the same-group peer / contrast (the planned merger counterparty) and Yamagata Bank for the same-prefecture rival, and against the FSA plus banking for the supervisory / system boundary. The holding-company view lives on Fidea HD.

TL;DR

The Shonai Bank, Ltd. (株式会社荘内銀行) is a regional bank based in Yamagata Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list; it is an operating bank under Fidea HD. It has a lineage that includes the 67th National Bank and was established in 1941 年 through wartime consolidation. In 2025 年 5 月 it relocated its registered head-office location from Tsuruoka City to Yamagata City. Fidea HD has announced a plan under which, effective 2027 年 1 月 1 日, the Shonai Bank will absorb Hokuto Bank on the Akita side and become “Fidea Bank.”

1. License / group boundary

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

2. Operating model

The Shonai Bank is a regional bank responsible for retail, SME, agriculture, tourism, inheritance / wealth support, and public finance in Yamagata Prefecture (centered on the Shonai region but also inland), and is the designated financial institution for Tsuruoka City, Sakata City, and others. Within the prefecture it competes with the first regional bank Yamagata Bank, while in the Yamagata–Akita wide-area model of Fidea HD it is organized in combination with Hokuto Bank on the Akita side. For the curve of regional-bank consolidation pressure, see Regional bank consolidation pattern.

3. Registry / boundary note

Both the FSA bank-license list and the official company profile identify the legal entity, but the head-office-location notation differs by point in time (relocated from Tsuruoka City → Yamagata City in 2025-05 ). This page treats the official profile as the current company-profile source and the FSA workbook as the license-registry source; the 2027-01 Fidea Bank integration is treated as a forecast shape based on the holding company’s disclosures.

Related

• Fidea HD
• Hokuto Bank
• Yamagata Bank
• Regional bank consolidation pattern
• regional-banks INDEX
• FinWiki index

Sources

• FSA: bank license list (ginkou.xlsx), regional banks.
• Shonai Bank official company profile.
• 荘内銀行 (Wikipedia): 1941 wartime-consolidation establishment (第六十七国立銀行 lineage); HQ relocation Tsuruoka→Yamagata City (2025-05); Fidea HD announced 2027-01-01 merger with Hokuto Bank to form フィデア銀行.

[!info] Verification status confidence: likely. License / group boundary, HQ relocation, and the announced 2027-01 merger are public (FSA register, official profile, Fidea HD disclosure). The post-merger entity name and structure are the announced shape, not yet a completed fact.