TSURUOKA SHINKIN BANK

Name

TSURUOKA SHINKIN BANK

Legal name

鶴岡信用金庫 (Tsuruoka Shinkin Bank)

Website

https://tsuruoka-sk.jp

Company type

Private

Founded year

1925

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Tsuruoka

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Distribution channels4 records

Marketing channels4 records

Core offering

Tsuruoka Shinkin Bank is a regional cooperative financial institution (Shinkin bank) headquartered in Tsuruoka City, Yamagata Prefecture, Japan. It provides deposit products, loan products, investment and insurance products, internet banking, mobile banking, and digital payment services to individual retail customers and small/medium enterprises. The bank also offers business support services including startup support, M&A advisory, business succession consulting, and coordinated financing with government-affiliated institutions.

Product overview

TSURUOKA SHINKIN BANK operates as a regional credit union (信用金庫) offering a comprehensive suite of banking and financial services to individual and corporate customers in the Tsuruoka region. The product portfolio includes deposit products (ordinary deposits, time deposits, installment savings), loan products (housing loans, car loans, education loans, free loans, card loans), investment/asset management products (investment trusts, insurance, defined contribution pensions), and digital banking services (personal and corporate internet banking, mobile app, Pay-easy payment services, electronic record debt services). Business support services include startup support, young managers training programs, business succession/M&A advisory, and business improvement/revitalization support. The bank recently marked its 100th anniversary with commemorative deposit products and a Leonardo da Vinci exhibition.

Differentiator

Problem solved

Functional benefit

Products and services

• Ordinary Deposit (Comprehensive Account)
• Settlement Ordinary Deposit
• Time Deposit
• Installment Savings
• Housing/Renovation Loan
• Car Loan
• Education Loan
• Free Loan
• Card Loan
• Web-Based Home Loan
• Investment Trust
• Life/Non-Life Insurance
• Defined Contribution Pension (iDeCo)
• Personal Internet Banking
• Corporate Internet Banking
• Tsurushin App
• Pay-easy Payment Collection Service
• Electronic Record Debt Service (Densai)
• Bank Pay QR Code Payment Service
• Startup Support Program
• Young Managers School
• Business Succession / M&A Support
• Business Improvement/Revitalization Support
• Shinkin Dream Future Prize-Linked Time Deposit
• 100 Years of Gratitude - 100th Anniversary Time Deposit
• Bridge to the Future - 100th Anniversary Installment Savings

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Japan Policy Finance Corporation (日本政策金融公庫)coreStrategic or Co-development Partner · 4 November 2025Tsuruoka Shinkin Bank and Japan Policy Finance Corporation have signed a memorandum of understanding for operational cooperation in crisis situations (危機事象発生における業務連携に関する覚書). They also co-created a coordinated financing product (協調融資商品) launched in June 2025 to support local businesses and U-turn创业者 (U-turn entrepreneurs returning to the region).
• Shinkin Information System Center (的信情報システムセンター)coreTechnology or IntegrationThe bank uses the open API common infrastructure platform (オープンAPI共通基盤) developed and operated by Shinkin Information System Center for its internet banking and third-party fintech integration services.
• Yamagata Prefecture PolicecoreStrategic or Co-development PartnerSigned an agreement with Yamagata Prefecture Police on March 27, 2025 for cooperation in preventing fraud (特殊詐欺等の抑止に関する協定), reflecting the bank's commitment to protecting customers from financial crimes.
• Shinkin Central Bank (信金中央金庫)coreOthersShinkin Central Bank acts as the affiliated trust company (所属信託会社) and Shinkin bank agency (信金中央金庫代理店) for Tsuruoka Shinkin Bank, and also as the trust contract agency (信託契約代理業). Registration: 東北財務(支)局長(代信)第24号.
• Yamagata Shinkin Bank (山形信用金庫)minorOthersPartner in the Yamagata prefecture-wide Shinkin IB login portal page, allowing unified access to banking services across Yamagata Shinkin Banks.
• Yonezawa Shinkin Bank (米沢信用金庫)minorOthersPartner in the Yamagata prefecture-wide Shinkin IB login portal page.
• Shinjo Shinkin Bank (新庄信用金庫)minorOthersPartner in the Yamagata prefecture-wide Shinkin IB login portal page.

Scale indicators1 record

Recent moves7 records

Expansion highlights6 records

Direct peers

• Yamagata Shinkin Bank: Shinkin cooperative bank headquartered in Yamagata City under the same Japanese Shinkin Bank Act as Tsuruoka Shinkin Bank. Direct partner in the shared Yamagata prefecture Shinkin internet banking portal. Offers an essentially identical retail and SME banking product suite at comparable scale.
• Shonai Bank: Regional commercial bank headquartered in Tsuruoka City itself, with overlapping catchment and directly comparable deposit and SME lending franchise serving the same Yamagata Prefecture customers.
• Yonezawa Shinkin Bank: Shinkin bank serving Yonezawa City in southern Yamagata Prefecture under the same cooperative member-owned structure. Partner in the shared Yamagata Shinkin IB login portal with a directly comparable retail and SME focus.
• Kirayaka Bank: Yamagata-based regional commercial bank with overlapping retail and SME banking services in the same prefecture. Comparable deposit, mortgage, and SME lending focus across the Tsuruoka-area customer pool.
• Yamagata Bank: Regional commercial bank serving all of Yamagata Prefecture with a directly comparable SME and retail product set, competing with Tsuruoka Shinkin for deposits, housing loans, and SME business in the same geography.
• Shinjo Shinkin Bank: Shinkin bank operating in Shinjo City, Yamagata Prefecture, under the same Shinkin Bank Act. Partner in the shared Yamagata Shinkin IB login portal with an essentially equivalent community-focused retail and SME banking franchise.

Broad incumbents

• Shinkin Central Bank: Central cooperative bank for the entire Japanese Shinkin network. Provides shared treasury, Open API infrastructure via Shinkin Information System Center, and interbank settlement services to all Shinkin banks including Tsuruoka. Comparable institution only at the broader-system level.
• Japan Post Bank: Nationwide postal savings bank operating the largest deposit and branch network in rural Japan. Directly competes with Shinkin banks for household deposits in regional areas including Tsuruoka, offering similar retail banking services at massive scale.

Regional players

• Tohoku Bank: Regional commercial bank headquartered in Morioka, Iwate Prefecture, serving an adjacent Tohoku-region catchment. Comparable middle-tier scale with similar retail and SME focus, though its primary geography does not overlap with Tsuruoka.
• Daito Bank: Regional commercial bank operating primarily in Fukushima Prefecture within the Tohoku region. Comparable in scale and product focus on local retail and SME banking, though it does not directly compete with Tsuruoka Shinkin.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat5 records

Key risks4 records

Key highlights6 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TSURUOKA SHINKIN BANK