---
title: "きらやか銀行"
aliases: ["Kirayaka Bank", "株式会社きらやか銀行"]
domain: regional-banks
created: 2026-05-21
last_updated: 2026-07-30
last_tended: 2026-07-30
review_by: 2026-11-21
confidence: likely
tags: [JapanFG, banking, second-regional-bank, jimoto-hd, tohoku, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx"
  - "https://www.kirayaka.co.jp/aboutus/outline/company.php"
---

# きらやか銀行


## Wiki route

This entry sits under [[regional-banks/INDEX|regional-banks INDEX]]. Read it against [[regional-banks/sendai-bank|仙台銀行]] for peer / contrast context and [[banking/INDEX|banking index]] for the broader system / regulatory boundary.

## TL;DR

株式会社きらやか銀行は、金融庁の銀行免許一覧に掲載される山形県本店の第二地方銀行で、[[regional-banks/jimoto-hd]] 傘下の operating bank。山形県市場では [[regional-banks/yamagata-bank]] と競合し、[[regional-banks/sendai-bank]] と合わせて Jimoto group の banking license surface を構成する。

## 1. License / group boundary

The following table is scoped to public primary sources (fsa.go.jp, kirayaka.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^[source:fsa.go.jp; kirayaka.co.jp]

| Item | Notes |
|---|---|
| Legal name | 株式会社きらやか銀行 |
| License route | Banking Act second regional bank; FSA bank license list |
| Group boundary | [[regional-banks/jimoto-hd]] operating bank |
| Home market | Yamagata |
| Wiki role | Yamagata second-regional-bank operating-company page |

## 2. Operating model

きらやか銀行は、山形県内の retail deposits, SME finance, business-support services, and local restructuring support を担う second regional bank。[[regional-banks/jimoto-hd]] page covers group-level public-funds and shareholder structure; this page keeps the bank license and local branch footprint visible. Tohoku second-regional-bank consolidation context は [[banking/regional-bank-consolidation-pattern]] を参照。

## 3. Why this page matters

- Closes a legal-name exact page that was previously only group-covered through [[regional-banks/jimoto-hd]].
- Helps distinguish [[regional-banks/yamagata-bank]] first-regional-bank coverage from second-regional-bank coverage.
- Provides a direct anchor for SBI / RCC / public-funds context without overloading the parent page.

## Related

- [[regional-banks/jimoto-hd]]
- [[regional-banks/sendai-bank]]
- [[regional-banks/yamagata-bank]]
- [[megabanks/sbi-regional-bank-hd]]

## Sources

- FSA: bank license list, second regional banks, as of 2026-05-02.
- Kirayaka Bank official company profile.