JA Bank

What JA Bank does

JA Bank (JA市原市, legal name 市原市農業協同組合 / Ichihara City Agricultural Cooperative) is a regional, member-owned agricultural cooperative headquartered in Kokubunjidai Chuo, Ichihara City, Chiba Prefecture, Japan. It operates as a multi-purpose cooperative delivering four integrated service lines: banking and credit (信用事業) through the nationwide JA Bank network with associated deposit products, loan products (including Orico and JACCS-guaranteed pre-approvals), and a JA Net Bank (JAネットバンク) online banking platform; mutual aid insurance (共済事業) via JA Kyosai covering life, accident, and agricultural risks; agricultural sales and support (農業関係), including direct retail of local produce at the Kashisai Chiharadai store and Gogi A-Mart, branded rice sales, and the Yoro no Megumi (養老のめぐみ) premium regional brand; and funeral services (葬祭事業) operating the Omoide no Ie (おもいでの家) memorial facility plus 斎場, altar, flower and offering arrangements. Free annual pension consultation services and an agricultural risk diagnosis (農業リスク診断) service round out the value proposition.

The cooperative is regulated as a financial institution under the Kanto Finance Bureau (関東財務局長(登金)第361号), additionally holds a Chiba Prefecture secondhand dealer license, and maintains carbon-offset certification through J-Credits. Its primary technology layer is the shared JA Net Bank platform (with API services under amendment in mid-2026), which it supplements with traditional branch and ATM distribution, farm-stand retail outlets, and a social-media/newsletter marketing layer. A wholly-owned shared-services subsidiary (株式会社 市原市農協サービス) supports operations.

JA市原市 generates revenue via three core mechanics: net interest income on deposits and loans (subscription/recurring credit-services stream), recurring JA Kyosai insurance premiums (mutual-aid stream), and one-off transaction revenue from agricultural-produce retail and funeral services. It serves two primary segments — local Ichihara residents seeking banking, insurance, and lifestyle services, and the regional farming community requiring agricultural financing, risk coverage, and direct-to-consumer produce channels — sold predominantly through the main physical branch, an ATM network, online banking, and on-site farm stands. Strategic positioning is explicitly aligned with JA Group Chiba, JA Bank, JA Kyosai, Norinchukin Bank, and prefectural/municipal partners.

Name

JA Bank

Legal name

市原市農業協同組合

Website

https://ja-ichihara.or.jp

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

JA Bank (JA市原市) is a member-owned agricultural cooperative in Ichihara City, Chiba Prefecture, offering integrated banking, mutual aid insurance, agricultural-produce retail, and funeral services to local residents and regional farmers through its main branch, JA Net Bank online platform, and farm stands.

Ownership category

akta.pro rank

Product category

Cooperative Banking (Agricultural Cooperative Financial Services)

NAICS

Depository Credit Intermediation (5221), Mortgage and Nonmortgage Loan Brokers (522310), Finance and Insurance (52)

SIC

Finance Services (6199), Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Agricultural cooperative banking
• Mutual aid insurance
• Farm product retail
• Funeral services
• Agricultural financing

Headquarters

HQ city

Ichihara

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. 信用事業 (Banking/Credit Services): Deposit-taking, savings accounts, loan products, and financial services through the JA Bank network. Includes various deposit products, interest rates, and loan offerings with Orico and JACCS guarantee options.
2. 共済事業 (Mutual Aid/Insurance Services): JA共済 insurance products including life and non-life coverage, accident reporting, and agricultural risk diagnosis services.
3. 農業関係 (Agricultural Products Sales): Direct sales of agricultural products including rice (お米的销售), local produce (市原市の主な農産物), and products from the Yoro no Megumi (養老のめぐみ) brand. Operates farm stands (農産物直売所).
4. 葬祭事業 (Funeral Services): Complete funeral and memorial services including mortuary/hall guidance (斎場のご案内), altar/course selection (祭壇・コース), flowers and offerings (生花・供物).

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

JA Bank (JA市原市) is a multi-purpose agricultural cooperative delivering integrated financial services (deposits, savings, loans, and online banking via JA Net Bank), mutual aid insurance (JA共済 life, accident, and agricultural risk coverage), direct agricultural product sales through owned farm stands (Kashisai and Gogi A-Mart), and funeral services including hall rental, altar courses, flowers, and the Omoideno Ie memorial facility. It also offers free pension consultation and agricultural risk diagnosis services to local residents and farmers in Ichihara City, Chiba Prefecture.

Product overview

JA市原市 (Ichihara City Agricultural Cooperative) operates as a multi-purpose cooperative offering integrated financial services (banking/信用事業, insurance/共済事業), agricultural services (、直売所、肥料供应), and funeral services (葬祭事業). The core banking services are delivered through JA Bank network, including savings deposits, various loan products (おすすめローン with Orico and JACCS guarantees), online banking (JAネットバンク), and free pension consultations. Agricultural operations include direct sales of local produce through 果彩菜 outlets and rice sales. The funeral services division offers venue rental, memorial courses, and flowers through おもでの家 facilities. The cooperative operates under regulatory registration with Kanto Finance Bureau and actively pursues sustainability goals including carbon offset initiatives and SDGs alignment.

Differentiator

Problem solved

Functional benefit

Products and services

• Banking Services / 信用事業 (JA Bank) Banking and financial services including savings deposits, loan products, asset management, and inheritance procedures for JA members and local residents in Ichihara City, delivered through physical branches, the ATM network, and the JA Net Bank online platform.
• Loan Products / おすすめローン (Orico and JACCS Guarantee Types) Personal loan products including web-based preliminary screening applications under Orico guarantee and JACCS guarantee, accessible to individual JA Bank customers and local residents.
• Mutual Aid Insurance / 共済事業 (JA共済) JA Kyosai insurance and mutual aid products providing life, accident, and agricultural risk coverage, with accident reporting, agency support, and agricultural risk diagnosis for JA members and local customers.
• JA Net Bank / JAネットバンク (Online Banking) Online banking service for JA Bank customers enabling account management, transfers, and other banking transactions via the internet, with API services for financial transactions.
• Funeral Services / 葬祭事業

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eight partnerships are on record, tiered core and minor.

• JA千葉 (JA Chiba)coreStrategic or Co-development PartnerJA Chiba is the regional JA group organization that JA市原市 is affiliated with. They share unified public relations materials and coordinated JA Group Chiba initiatives including agricultural promotion and community support programs.
• JA共済 (JA Kyosai)coreStrategic or Co-development PartnerJA Kyosai is the mutual aid division of the JA group providing insurance products. JA市原市 offers JA共済 insurance products including life, accident, and agricultural risk coverage through this partnership.
• JAバンク (JA Bank)coreTechnology or IntegrationJA Bank is the banking network of the JA group. JA市原市 participates in the JA Bank network, using shared banking infrastructure, JA Net Bank platform, ATM networks, and standardized financial products.
• JA千葉経済グループ (JA Chiba Economic Group)coreStrategic or Co-development PartnerThe economic division of JA Group Chiba that supports agricultural business activities, marketing, and economic services for member agricultural cooperatives including JA市原市.
• 千葉県coreStrategic or Co-development PartnerChiba Prefecture government. JA市原市 collaborates with Chiba Prefecture on agricultural promotion programs including the Chiba Prefecture fertilizer price surge emergency support program (千葉県肥料価格高騰緊急支援事業) and other regional agricultural initiatives.
• 全国共済農業協同組合連合会 (JA Kyosai National Federation)coreStrategic or Co-development PartnerNational JA mutual aid federation that provides reinsurance, product development, and operational support for JA 共済 insurance operations at the local level, including JA市原市.
• 市原市 (Ichihara City Government)coreStrategic or Co-development PartnerLocal city government. JA市原市 collaborates with Ichihara City on community agricultural initiatives, regional events like the Anesaki Watermelon Festival (姉崎スイカ祭り), and local agricultural support programs.
• JA市原市姐姐崎蔬菜組合 (JA市原市 Anesaki Vegetable Association)minorStrategic or Co-development PartnerLocal agricultural producer organization that provides agricultural photography for JA市原市's website and represents the farming community in the region.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• JA Zenchu (全国農業協同組合中央会): National JA lobby and representative body that co-organizes the agricultural action award JA Ichihara supports. Operates the broader cooperative system in which JA Ichihara is a member.
• Norinchukin Bank (農林中央金庫): Central financial institution for Japan's entire agricultural cooperative system. JA Ichihara participates in joint data utilization with Norinchukin for financial-crime prevention; comparable as the apex institution of the same cooperative banking infrastructure.
• JA Kyosai (全国共済農業協同組合連合会): National JA mutual aid federation providing reinsurance and product development for the JA共済 insurance line that JA Ichihara distributes. Operates the same mutual-aid business model at national scale.
• Shinkin Central Bank (信金中央金庫): Central cooperative bank for Japan's shinkin (credit association) system. Analogous to Norinchukin Bank for JA Ichihara; comparable as a central institution serving a parallel cooperative banking network.
• Chiba Bank (千葉銀行): Dominant regional commercial bank serving Chiba Prefecture. Competes directly with JA Ichihara for retail deposits, mortgages, and consumer loans across the same Ichihara City catchment area.
• Chiba Kogyo Bank (千葉興業銀行): Second major regional bank in Chiba Prefecture. Competes with JA Ichihara on local SME lending and retail deposits within the same geography.
• JA Group (JAバンク全国本部): National JA Bank coordinating body that sets unified banking standards, products, and JA Net Bank infrastructure used by JA Ichihara. Comparable as the operating-level umbrella for JA Ichihara's banking line.

Direct peers

• Shinkin Banks (信用金庫, e.g., Chiba Shinkin): Member-owned cooperative financial institutions serving SMEs and local residents in defined regions. Closely parallel JA Ichihara's small-scale, community-rooted deposit-and-loan model.
• JA Chiba (JAちば / 千葉県農業協同組合中央会): Prefectural-level federation of JA cooperatives in Chiba Prefecture and JA Ichihara's direct regional parent/affiliate. Operates the same banking, mutual aid, and agricultural service model across Chiba, sharing public relations materials and JA Group Chiba initiatives.

Emerging players

• Rabobank: International agricultural cooperative bank (Netherlands) operating a deposit-taking, rural-lending, and farm-advisory model similar in spirit to JA Ichihara, though at vastly larger scale and global footprint. Useful as a thematic international benchmark for the agricultural cooperative banking model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/JA_ichihara2312
• Instagraminstagram.com/ja_ichihara2401

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about JA Bank