---
title: "もみじ銀行"
aliases: ["Momiji Bank", "株式会社もみじ銀行"]
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, chugoku, hiroshima, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx"
  - "https://www.momijibank.co.jp/outline/profile/"
---

# もみじ銀行

## Wiki route

This entry sits under [[regional-banks/INDEX|regional-banks INDEX]] (its domain route). Read it against [[regional-banks/hiroshima-bank|広島銀行]] 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

株式会社もみじ銀行 (Momiji Bank) 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広島県広島市本店の第二地方銀行。[[regional-banks/yamaguchi-fg|山口フィナンシャルグループ]] (YMFG) 傘下の Hiroshima-area operating bank であり、第一地銀の [[regional-banks/hiroshima-bank|広島銀行]] とは別法人の second-regional-bank peer 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, momijibank.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; momijibank.co.jp]

| Item | Notes |
|---|---|
| Legal name | 株式会社もみじ銀行 / Momiji 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 | [[regional-banks/yamaguchi-fg|YMFG]] Hiroshima operating bank |
| Home market | Hiroshima / Hiroshima City（広島県本店） |
| Wiki role | Hiroshima second-regional-bank operating-company page |

## 2. Operating model

もみじ銀行は、広島県を中心に retail deposits, SME finance, local relationship banking, and Setouchi-area business support を担う第二地方銀行。[[regional-banks/yamaguchi-fg|YMFG]] の 3-bank model（山口銀行 / もみじ銀行 / [[regional-banks/kitakyushu-bank|北九州銀行]]）の中では Hiroshima brand / operating-company boundary を持つ。広島県内では第一地銀 [[regional-banks/hiroshima-bank|広島銀行]]（[[regional-banks/hirogin-hd|ひろぎんHD]] 傘下）と peer boundary を持つ。

## 3. Regulatory & system positioning

- **Supervision**: 銀行法のもとで金融庁 ([[financial-regulators/fsa|FSA]]) と中国財務局が監督。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**: YMFG の multi-bank model と中国地方の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 for もみじ銀行.
- Separates Hiroshima second-regional-bank coverage from [[regional-banks/hiroshima-bank|広島銀行]] and [[regional-banks/hirogin-hd|ひろぎんHD]].
- Provides a bank-level anchor for [[regional-banks/yamaguchi-fg|YMFG]] multi-bank structure.

## Related

- [[regional-banks/INDEX|regional-banks INDEX]]
- [[regional-banks/yamaguchi-fg]]
- [[regional-banks/hiroshima-bank]]
- [[regional-banks/hirogin-hd]]
- [[regional-banks/kitakyushu-bank]]
- [[regional-banks/chugoku-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.
- Momiji Bank official company profile (会社概要).