Mizushima Shinkin Bank

What Mizushima Shinkin Bank does

Mizushima Shinkin Bank is a regional cooperative financial institution (信用金庫, shinkin bank) headquartered in Kurashiki City, Okayama Prefecture, Japan, founded in 1926 and operating under Japanese banking code 1734. As a member-owned cooperative affiliated with Shinkin Central Bank, it serves both individual retail customers and local small and medium-sized enterprises within the Mizushima/Kurashiki catchment area, functioning as a community-anchored deposit-taker and SME lender rather than a nationally active commercial bank.

The bank's product offering spans deposit accounts, loan products (including a WEB-based application channel), insurance agency services, and investment products. It operates a physical branch network complemented by digital channels—internet banking and a mobile application—alongside community programs such as seasonal deposit campaigns, small business exchange events, and children's financial education initiatives. The underlying technology stack is standard for Japanese regional shinkin banks; no proprietary platform or AI/ML capabilities are evidenced.

Revenue is generated principally through net interest income from lending, fee income from insurance and investment product distribution, and ancillary fees from digital banking services. As a cooperative, Mizushima Shinkin Bank is privately held with no publicly traded equity; surpluses are retained to strengthen capital and member services rather than distributed to outside shareholders.

Name

Mizushima Shinkin Bank

Legal name

Mizushima Shinkin Bank (水島信用金庫)

Website

https://mizushin.co.jp

Company type

Private

Founded year

1926

Operating status

Operating

Headcount range

11–50 employees

Short description

Mizushima Shinkin Bank is a regional cooperative bank (信用金庫) headquartered in Kurashiki City, Okayama Prefecture, serving local retail customers and SMEs with deposits, loans, insurance, and digital banking services under banking code 1734.

Ownership category

akta.pro rank

Headquarters

HQ city

Kurashiki

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Core banking revenue from interest earned on loans including mortgage loans (住宅ローン), car loans (みずしんカーライフプラン), education loans (教育ローン), personal loans (みずしんフリーローン, みずしんプレミアムフリーローン), and business loans. Interest rates range from 1.94% (car loans, variable) to 12.75% (personal loans, fixed).
2. Deposit Interest Expenses: Interest paid to depositors on time deposits (定期預金), savings deposits (積金), and other deposit products. Current promotional rates include up to 1.2% annual for 3-year term premium deposits.
3. Fee and Commission Income: Fees from account services, wire transfers, ATM transactions, loan processing, and other banking services. The bank charges commissions for various transactions (手数料).
4. Investment Product Sales: Revenue from selling investment products including individual government bonds (個人向け国債), investment trusts (投資信託), and insurance products (的生命・損害保険).

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Mizushima Shinkin Bank is a regional cooperative credit union (shinkin bank) that accepts deposits from and lends to individual and small-business members in the Kurashiki/Okayama region of Japan. Its core offering consists of deposit products (time deposits, savings, annuity and retirement deposits), consumer and business loan products (housing, education, automobile, flex, premium free loans), distribution of insurance, individual government bonds and investment trusts, payment services (Pay-easy, electronic commercial paper, debit cards), and ancillary services such as safe deposit boxes, inheritance procedures, vacant-house advisory, and pension/legal/tax consultation events.

Product overview

Mizushima Shinkin Bank is a regional credit union offering a comprehensive suite of financial services through a platform-plus-products architecture. The core banking platform comprises internet banking (みずしんインターネットバンキング), business banking (みずしんビジネスバンキング), and the mobile Shinkin passbook app (しんきん通帳アプリ). The loan portfolio includes WEB complete loans (WEB完結型ローン) with car life plans, flex loans, education loans, housing loans, and premium free loans. Savings products feature seasonal campaign time deposits (みずしんおいでんせぇ定期預金, みずしんサマーキャンペーン定期預金), specialized accumulation products (みずしん つみたてくん, でぇれーいい積金), annuity deposits, and retirement-specific deposits. Investment and insurance offerings include government bonds, investment trusts, and life/property insurance. Additional services encompass payment services (Pay-easy, net account transfer), safe deposit boxes, vacant house services, inheritance procedures, and financial education programs including the Mizushin Children's Financial School.

Differentiator

Problem solved

Functional benefit

Brands

• みずしんインターネットバンキング (Mizushin Internet Banking): Online banking service for personal and corporate customers enabling account access, transfers, and financial transactions
• みずしんビジネスバンキング (Mizushin Business Banking)
• しんきん通帳アプリ (Shinkin Passbook App)
• みずしんカーライフプラン (Mizushin Car Life Plan)
• みずしんフレックスローン (Mizushin Flex Loan)
• みずしん教育プラン (Mizushin Education Plan)
• みずしんプレミアムフリーローン (Mizushin Premium Free Loan)
• みずしんおいでんせぇ定期預金 (Mizushin Oiden See Time Deposit)
• みずしんサマーキャンペーン定期預金 (Mizushin Summer Campaign Time Deposit)
• みずしん つみたてくん (Mizushin Tsumitate-kun)

Products and services

• みずしんインターネットバンキング (Mizushin Internet Banking) Online banking service allowing personal customers to access accounts, transfer funds, and manage finances via internet and smartphone 24 hours a day.
• みずしんビジネスバンキング (Mizushin Business Banking) Business internet banking service providing contracted corporate customers free account management, fund transfers, and access to electronic commercial paper (でんさい) functionality.
• しんきん通帳アプリ (Shinkin Passbook App) Free mobile passbook application for paperless account management, allowing customers to check balances and view transaction history digitally on smartphones.
• WEB完結型ローン (WEB Complete Loan) Fully online loan product requiring no branch visit; customers can apply 24/7 via internet or smartphone with simplified documentation requirements.
• みずしんカーライフプラン (Mizushin Car Life Plan) Automobile financing loan with variable interest rate of 1.94% (including guarantee fees), available through the WEB complete loan application process.
• みずしんフレックスローン (Mizushin Flex Loan) Flexible-purpose personal loan with fixed interest rates ranging from 3.25% to 12.75% (including guarantee fees); usable for both personal and business capital; accepts FAX and online applications 24/7.
• みずしんプレミアムフリーローン (Mizushin Premium Free Loan) Premium unsecured personal loan with fixed interest rates; accepts FAX applications in addition to online applications and requires primarily only identity verification.
• みずしん教育プラン (Mizushin Education Plan) Education loan with fixed interest rates of 2.5% (terms up to 8 years) and 2.65% (terms over 8 years), including guarantee fees; designed to finance educational expenses.
• 住宅ローン (Housing Loan) Housing loan product for home purchases and construction financing, underwritten through the branch network.
• みずしんフリーローン (Mizushin Free Loan) General-purpose personal loan with flexible use of funds offered to individual customers.
• 年金定期預金 (Annuity Time Deposit) Time deposit product tailored for retirement and pension income planning, offering preferential conditions for annuity recipients.
• 退職金専用定期預金 (Retirement-Funds-Only Time Deposit) Time deposit product specifically designed for retirement funds, offering preferential rates to retiring customers.
• みずしんおいでんせぇ定期預金 2026夏 (Mizushin Oidensee Time Deposit 2026 Summer) Seasonal time deposit campaign product with promotional rates of 1-year 0.7% and 3-year 1.0% (standard tier) and 1-year 0.9% and 3-year 1.2% (Premium tier), running July 1 to September 30, 2026.
• みずしんサマーキャンペーン定期預金 2026 (Mizushin Summer Campaign Time Deposit 2026) Summer campaign time deposit product with a 1-year promotional rate of 0.5% (standard) and 0.6% (Premium), available July 1 to September 30, 2026.
• みずしん つみたてくん (Mizushin Tsumitate-kun) Special-rate installment savings product offering counter display rate plus 0.2% annually for 3-5 year terms, supporting systematic accumulation.
• でぇれーいい積金 (Deerei-ii Installment Savings / Asset Formation Support Time Savings) Asset formation support installment savings (定期積金) product offering a special interest rate of counter display rate plus 0.11% annually.
• みずしん定期預金 いいね！ (Mizushin Time Deposit Iine!) Time deposit product with a special rate of counter display rate plus 0.1% for 3-year terms, limited to customers rolling over matured Deerei-ii installment savings proceeds.
• 子育て応援定期積金 (Child-Rearing Support Installment Savings) Installment savings product designed to support customers raising children, with terms and conditions suited to family formation needs.
• 個人向け国債 (Government Bonds for Individuals) Government bonds for individual investors, providing a low-risk fixed-income investment option distributed through the bank.
• 投資信託 (Investment Trusts) Investment trust products distributed by the bank to enable individual investors to diversify portfolios across asset classes.
• 生命保険・損害保険 (Life Insurance and Property/Casualty Insurance) Life insurance and property/casualty insurance products offered through the bank for personal protection, including online application for medical and cancer insurance.
• ペイジー口座振替受付サービス (Pay-easy Account Transfer Acceptance Service) Pay-easy account transfer acceptance service enabling automatic payments and fund transfers for personal and business customers.
• ネット口座振替受付サービス (Online Account Transfer Acceptance Service) Online account transfer acceptance service enabling customers to set up and manage recurring payments and transfers digitally.
• デビットカードサービス (Debit Card Service) Debit card payment service linked to customer deposit accounts for retail purchases and cash access.
• 貸金庫・保護函 (Safe Deposit Box and Protective Box Services) Safe deposit box and protective box services offered at branch locations for secure storage of valuables and important documents.
• 相続手続き (Inheritance Procedures Support) Inheritance procedure support service assisting customers with estate administration and succession matters through the branch.
• 年金・法務・税務相談会 (Pension, Legal and Tax Consultation Events) Regularly held pension, legal, and tax consultation events providing customers with professional advisory services.
• 空き家関連サービス (Vacant House Related Services) Vacant house-related service supporting property owners with unused real estate through advisory and referral connections.
• でんさいサービス (Electronic Commercial Paper Service) Electronic commercial paper (でんさい) service enabling business customers to manage receivables electronically through the bank's business internet banking platform.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• 信金中央金庫 (Shinkin Central Bank)coreStrategic or Co-development PartnerShinkin Central Bank is the central organization for Japan's credit union system. Mizushima Shinkin Bank operates as a member of this network, using Shinkin Central Bank's services including 信用金庫代理業 (shinkin banking agency services) and 信用金庫信托契約代理業 (trust contract agency services). Shinkin Central Bank acts as the central counterparty and provides various support services to member shinkin banks.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Juroku Bank (十六銀行): Regional Japanese bank headquartered in Gifu Prefecture serving local retail and SMB customers. Comparable regional deposit-taking and lending franchise, but operates as a listed commercial bank with greater capital flexibility than a shinkin cooperative.
• Shizuoka Shinkin Bank (静岡信用金庫): One of Japan's largest shinkin banks serving Shizuoka Prefecture. Operates the same cooperative banking model and product set at significantly larger scale, providing a useful benchmark for shinkin bank operating practices and digital capabilities.
• Ashikaga Bank (足利銀行): Regional commercial bank headquartered in Tochigi Prefecture. Similar to Mizushima Shinkin in serving a regional Japanese customer base, but operates as a publicly listed bank with a broader product set and capital access.
• Yokohama Shinkin Bank (横浜信用金庫): Large shinkin bank serving the Yokohama metropolitan area. Same Shinkin Bank Act licensing and product categories, but operates at materially larger scale in a more urban market, making it a reference point for product breadth and digital channel sophistication.

Direct peers

• Kojima Shinkin Bank (児島信用金庫): Regional shinkin bank located in the Kojima area adjacent to Kurashiki in Okayama Prefecture. Directly competes in the same geographic catchment with comparable retail and SMB lending and deposit products.
• Okayama Shinkin Bank (岡山信用金庫): Another shinkin bank operating in Okayama Prefecture with a similar product portfolio (deposits, loans, insurance, investment products) and member-owned cooperative structure. Directly competes with Mizushima Shinkin for the same regional retail and SMB customers.
• Bitchu Shinkin Bank (備州信用金庫): Shinkin bank headquartered in the Bitchu region of Okayama Prefecture. Operates with the same regulatory framework, similar product set, and serves overlapping SMB and retail customers in the broader Okayama market.

Emerging players

• Rakuten Bank: Japan's largest digital bank offering retail deposits, mortgages, and personal loans through a pure online platform. Competes directly with regional shinkin banks for tech-savvy retail customers and deposit funding.
• SBI Sumishin Net Bank (SBI Sumishin Net Bank): Digital-native Japanese bank offering retail deposits, mortgages, and investment products online. Represents the competitive threat from digital-only banking that Mizushima Shinkin faces in the deposit and personal loan categories.

Regional players

• Chiba Shinkin Bank (千葉信用金庫): Mid-sized shinkin bank serving the Chiba region with the same cooperative structure and product categories as Mizushima Shinkin. Provides a useful peer comparison for shinkin bank operating metrics in a different regional market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/mizushima_sk_official

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

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 Mizushima Shinkin Bank