---
title: "熊本銀行"
aliases: ["Kumamoto Bank", "The Kumamoto Bank", "株式会社熊本銀行"]
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, kyushu, kumamoto, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx"
  - "https://www.kumamotobank.co.jp/aboutus/outline/"
  - "https://www.fukuoka-fg.com/group/company.html"
---

# 熊本銀行


## Wiki route

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

## TL;DR

株式会社熊本銀行は、金融庁の銀行免許一覧に掲載される熊本県本店の第二地方銀行。[[regional-banks/fukuoka-fg]] 傘下の Kumamoto operating bank であり、[[regional-banks/higo-bank]] とは別法人の peer として扱う。

## 1. License / group boundary

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

| Item | Notes |
|---|---|
| Legal name | 株式会社熊本銀行 |
| License route | Banking Act second regional bank; FSA bank license list |
| Group boundary | [[regional-banks/fukuoka-fg]] group bank |
| Home market | Kumamoto / Kumamoto City |
| Wiki role | Kumamoto second-regional-bank operating-company page |

## 2. Operating model

熊本銀行は、熊本県内の retail deposits, SME finance, consumer banking, and FFG group distribution を担う second regional bank。[[regional-banks/higo-bank]] page は Kyushu FG core-bank boundary を扱い、本ページは FFG-side Kumamoto license boundary を扱う。Kyushu regional-bank consolidation context は [[banking/regional-bank-consolidation-pattern]] を参照。

## 3. Why this page matters

- Closes the FSA exact-name page for 熊本銀行.
- Separates FFG's Kumamoto operating bank from [[regional-banks/higo-bank]] and [[regional-banks/kyushu-fg]].
- Provides a peer anchor for [[regional-banks/fukuoka-fg]], [[regional-banks/higo-bank]], and [[regional-banks/kyushu-fg]] analysis.

## Related

- [[regional-banks/fukuoka-fg]]
- [[regional-banks/fukuoka-bank]]
- [[regional-banks/higo-bank]]
- [[regional-banks/kyushu-fg]]
- [[banking/minna-bank-baas-model]]
- [[banking/regional-bank-consolidation-pattern]]
- [[banking/INDEX]]

## Sources

- FSA: bank license list, second regional banks / other, as of 2026-05-02.
- Kumamoto Bank official company profile.
- Fukuoka Financial Group official group-company list.