---
title: "栃木銀行"
aliases: ["Tochigi Bank", "The Tochigi Bank", "株式会社栃木銀行"]
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, kanto, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx"
  - "https://www.tochigibank.co.jp/aboutus/company/"
---

# 栃木銀行


## Wiki route

This entry sits under [[regional-banks/INDEX|regional-banks INDEX]]. Read it against [[regional-banks/tokyo-star-bank|東京スター銀行]] for peer / contrast context and [[banking/INDEX|banking index]] for the broader system / regulatory boundary.

## TL;DR

株式会社栃木銀行は、金融庁の銀行免許一覧に掲載される栃木県宇都宮市本店の第二地方銀行。栃木県では [[regional-banks/ashikaga-bank]] が first-regional bank anchor で、栃木銀行は second-regional-bank side の operating company として整理する。

## 1. License / group boundary

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

| Item | Notes |
|---|---|
| Legal name | 株式会社栃木銀行 |
| License route | Banking Act second regional bank; FSA bank license list |
| Group boundary | Independent second-regional bank |
| Home market | Tochigi / Utsunomiya |
| Wiki role | Tochigi second-regional-bank operating-company page |

## 2. Operating model

栃木銀行は、栃木県内の retail deposits, SME loans, community finance, and local consulting を担う second regional bank。[[regional-banks/ashikaga-bank]] and [[regional-banks/mebuki-fg]] coverage とは別に、地域金融の competitive layer を見るための bank-license anchor になる。Kanto second-regional-bank consolidation pressure は [[banking/regional-bank-consolidation-pattern]] を参照。

## 3. Why this page matters

- Closes a Tochigi second-regional-bank exact-name gap.
- Useful peer for [[regional-banks/ashikaga-bank]] and [[regional-banks/towa-bank]] / North Kanto regional-bank analysis.
- Separates operating bank coverage from securities-adjacent pages such as とちぎん TT 証券 references.

## Related

- [[regional-banks/ashikaga-bank]]
- [[regional-banks/mebuki-fg]]
- [[regional-banks/towa-bank]]
- [[banking/INDEX]]

## Sources

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