---
title: "北日本銀行"
aliases: ["きたぎん", "Kita-Nippon Bank", "The Kita-Nippon Bank", "株式会社北日本銀行"]
domain: regional-banks
created: 2026-05-21
last_updated: 2026-07-30
last_tended: 2026-07-30
review_by: 2026-12-05
confidence: likely
tags: [JapanFG, banking, second-regional-bank, tohoku, iwate, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx"
  - "https://www.kitagin.co.jp/company/corporate/outline/"
---

# 北日本銀行

## Wiki route

This entry sits under [[regional-banks/INDEX|regional-banks INDEX]] (its domain route). Read it against [[regional-banks/iwate-bank|岩手銀行]] for the same-prefecture peer / contrast (first vs second regional bank), and against [[financial-regulators/fsa|the FSA]] plus [[banking/INDEX|banking]] for the supervisory / system boundary.

## TL;DR

株式会社北日本銀行 (The Kita-Nippon Bank, きたぎん) は、銀行法上の銀行免許を持ち金融庁の銀行免許一覧に掲載される岩手県盛岡市本店の第二地方銀行。岩手県内の regional-bank surface では第一地銀の [[regional-banks/iwate-bank|岩手銀行]]、[[regional-banks/tohoku-bank|東北銀行]] と並ぶ licensed bank operating company として扱う。事業の中身は県内の預金受入と中小企業・個人向け貸出という第二地銀の標準モデル。

## 1. License / group boundary

The following table is scoped to public primary sources (fsa.go.jp, kitagin.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; kitagin.co.jp]

| Item | Notes |
|---|---|
| Legal name | 株式会社北日本銀行 / The Kita-Nippon Bank, Ltd. |
| License route | 銀行法上の銀行免許 (second regional bank / 第二地銀); FSA bank license list |
| Group boundary | Independent second-regional bank（独立系第二地銀） |
| Home market | Iwate / Morioka（岩手県本店） |
| Wiki role | Iwate second-regional-bank operating-company page |

## 2. Operating model

北日本銀行は、岩手県を中心に retail deposits, SME loans, payment services, local consulting, and asset-formation support を提供する第二地方銀行。県内の main-bank competition を見る時は、第一地銀の [[regional-banks/iwate-bank|岩手銀行]]、[[regional-banks/tohoku-bank|東北銀行]]、および信用金庫・信用組合と合わせて読む。

## 3. Regulatory & system positioning

- **Supervision**: 銀行法のもとで金融庁 ([[financial-regulators/fsa|FSA]]) と東北財務局が監督。自己資本比率規制（国内基準）等で健全性が規律される。
- **Industry body**: 第二地方銀行協会（第二地銀協）に属する第二地方銀行。全国銀行資金決済ネットワーク（全銀システム）に参加し、業界団体としては [[financial-regulators/zenginkyo|全国銀行協会（全銀協）]] の枠組みに連なる。
- **Depositor protection**: 預金は預金保険機構（DIC）の付保対象。
- **Consolidation context**: 東北の地銀・第二地銀再編の一般文脈は [[banking/regional-bank-consolidation-pattern|regional-bank consolidation pattern]] を参照。

## 4. Why this page matters

- Closes the FSA exact-name operating-company gap in the Iwate banking cluster.
- Distinguishes a second-regional bank from the first-regional bank pages.
- Provides a clean anchor for banking structure and regional-bank consolidation notes.

## Related

- [[regional-banks/INDEX|regional-banks INDEX]]
- [[regional-banks/iwate-bank]]
- [[regional-banks/tohoku-bank]]
- [[financial-regulators/fsa|FSA]]
- [[banking/regional-bank-consolidation-pattern]]
- [[banking/INDEX]]
- [[INDEX|FinWiki index]]

## Sources

- FSA (金融庁): 銀行免許一覧 (`ginkou.xlsx`), second regional banks.
- The Kita-Nippon Bank official company profile (会社概要).