---
title: "佐賀共栄銀行"
aliases: ["Saga Kyoei Bank", "The Saga Kyoei Bank", "株式会社佐賀共栄銀行", "きょうぎん"]
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, saga, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx"
  - "https://www.kyogin.co.jp/about/philosophy/"
---

# 佐賀共栄銀行


## Wiki route

This entry sits under [[regional-banks/INDEX|regional-banks INDEX]]. Read it with [[banking/INDEX|banking index]] for adjacent context and [[financial-licenses/INDEX|JapanFG index]] for the broader system boundary.

## TL;DR

株式会社佐賀共栄銀行は、金融庁の銀行免許一覧に掲載される佐賀県本店の第二地方銀行。佐賀県の second-regional-bank operating-company anchor であり、[[regional-banks/saga-bank]] とは別法人の local peer として扱う。

## 1. License / group boundary

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

| Item | Notes |
|---|---|
| Legal name | 株式会社佐賀共栄銀行 |
| License route | Banking Act second regional bank; FSA bank license list |
| Group boundary | Standalone second regional bank |
| Home market | Saga / Saga City |
| Wiki role | Saga second-regional-bank operating-company page |

## 2. Operating model

佐賀共栄銀行は、佐賀県内の retail deposits, SME finance, small-business lending, and local consumer banking を担う second regional bank。[[regional-banks/saga-bank]] page は first-regional-bank incumbent を扱い、本ページは second-regional-bank license boundary を扱う。Kyushu second-regional-bank consolidation pressure は [[banking/regional-bank-consolidation-pattern]] を参照。

## 3. Why this page matters

- Closes the FSA exact-name page for 佐賀共栄銀行.
- Completes the Saga first / second regional-bank peer pair.
- Provides a Kyushu second-regional-bank anchor for shared-system and consolidation analysis.

## Related

- [[regional-banks/saga-bank]]
- [[regional-banks/fukuoka-bank]]
- [[regional-banks/nishi-nippon-city-bank]]
- [[banking/regional-bank-consolidation-pattern]]
- [[banking/INDEX]]

## Sources

- FSA: bank license list, second regional banks / other, as of 2026-05-02.
- Saga Kyoei Bank official profile / management-philosophy page.