Toho Bank
Toho Bank (東邦銀行) is a publicly traded regional Japanese bank headquartered in Fukushima Prefecture, operating 349 branches primarily in Fukushima and neighboring Tohoku prefectures, serving individual retail customers and SMEs with deposit, lending, insurance, factoring, and ESG-linked financial products through both physical branches and digital channels.
- Company typePrivate
- Founded1941
- HeadquartersFukushima-shi, Japan
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Toho Bank does
Toho Bank (東邦銀行, The Toho Bank, Ltd.) is a regional Japanese commercial bank headquartered in Fukushima City, Fukushima Prefecture, publicly traded on the Tokyo Stock Exchange (tyo:8346) with origins dating to 1941. The bank operates 349 branches and ATM locations, of which 331 are concentrated in Fukushima Prefecture, with additional presence in Miyagi, Tokyo, Yamagata, Ibaraki, Tochigi, and Niigata, serving both individual retail customers and SME/corporate clients through a traditional relationship-banking model supplemented by digital channels.
The bank's core technology platform comprises corporate internet banking (たすかる君-WEB), the Toho Bank mobile application (200,000+ downloads), the proprietary Toho ID (とうほうID) unified login system that integrates with nine third-party fintech apps (Money Forward, finbee, Zaim, freee, Moneytree, MoneyLook, Yayoi, SORIMACHI, AccountTrackerPlus), cloud-based invoice factoring (Toho Cloud Factoring), electronic receivables service (densai), ESG/SDGs-linked financing, and Bank Pay mobile payments. Distribution spans physical branches, internet banking, a mobile app, an internet-only branch (shop 730), and a Nomura Securities partnership for financial product intermediation.
Revenue is generated through a mix of interest income from lending (corporate, SME, housing, auto, education, card loans) and securities operations, fee and commission income (insurance, investment trusts, foreign exchange, electronic services), and sustainability-linked financial products. The bank is a member of the TSUBASA Alliance, a regional bank cooperation framework of 10 banks sharing a FinTech platform with 5 million+ user IDs, which provides joint innovation infrastructure, cross-regional service capability, and shared digital channels that materially augment the bank's organic scale.
Toho Bank firmographics
Firmographics- Name
- Toho Bank
- Legal name
- The Toho Bank, Ltd.
- Website
- https://tohobank.co.jp
- Company type
- Private
- Founded year
- 1941
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Toho Bank (東邦銀行) is a publicly traded regional Japanese bank headquartered in Fukushima Prefecture, operating 349 branches primarily in Fukushima and neighboring Tohoku prefectures, serving individual retail customers and SMEs with deposit, lending, insurance, factoring, and ESG-linked financial products through both physical branches and digital channels.
- Ownership category
- akta.pro rank
Toho Bank industry classification
Industry- Product category
- Regional Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- High-Net-Worth (HNW) Private Banking (FSABADAB)
- akta.pro secondary industries
- Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD), Corporate Cash Management & Treasury Services (FSAMAOAA)
Keywords
Where Toho Bank is headquartered
LocationHeadquarters
- HQ city
- Fukushima-shi
- HQ country
- Japan
- HQ region
- Asia
Offices11 records
Markets served
Toho Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Interest Income (Lending): Traditional bank lending revenue from corporate loans, SME financing, real estate loans, consumer loans (housing loans, auto loans, education loans), and card loans. Offers specialized financing products including earthquake disaster recovery loans, ESG/SDGs-linked financing, and regional revitalization loans.
- Interest Income (Deposits & Securities): Interest spread income from deposit-taking and securities investment operations, including investment trusts and Japanese government bonds.
- Fee & Commission Income: Fees from account services, wire transfers, foreign exchange transactions, insurance product sales (agency commissions), investment trust sales (financial product intermediation with Nomura Securities), electronic services, and ATM transaction fees.
- Sustainability-linked Financial Products: Revenue from issuing sustainability-themed deposits (サステナビリティ定期預金) and ESG-linked loans that support the bank's sustainability strategy.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal banking services (deposits, loans, cards, insurance) |
| Subscription | Monthly | Corporate banking services |
| Unit Pricing | Monthly | Part-time/partnership worker compensation |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels5 records
Toho Bank product offering
Product offeringCore offering
Toho Bank is a regional Japanese bank that accepts deposits, extends personal and corporate loans, distributes investment trusts and insurance, provides foreign exchange and remittance services, and offers digital banking channels (internet banking, mobile app, internet-only branch) for individual consumers and corporate clients primarily in Fukushima Prefecture. It also delivers corporate cash management, densai (electronic receivables), cloud factoring, electronic contract, and ESG/SDGs-linked financing products through both branch-based relationship managers and online platforms.
Product overview
Toho Bank operates as a regional financial institution headquartered in Fukushima, Japan, offering a comprehensive suite of banking products and services. The portfolio is organized around two primary segments: retail banking (個人のお客栏) and corporate/business banking (法人のお客栏). Core retail offerings include the Toho Bank mobile App (with over 200,000 downloads), the Always Credit & Debit card brand (including JCB Platinum credit and debit cards with promotional campaigns), Toho ID unified login credentials, internet and direct banking services, passbook and savings accounts, time deposits including a Sustainability Time Deposit tied to ESG lending, foreign currency deposits, investment trust distribution, securities intermediary services via Nomura Securities partnership, housing and personal loans, auto loans, education loans, card loans, and insurance products through the Toho Insurance Plaza network. Business banking is anchored by the Tascal-kun-WEB corporate internet banking platform and the Toho Big Advance integrated platform, supported by specialized services including the Densai electronic receivables service, foreign remittance WEB service, Toho Cloud Factoring, ESG/SDG contribution loans, electronic contract service, data transmission services (AnserDATAPORT), convenience store and local tax payment collection services, and loan products tailored for regional businesses including disaster recovery, medical clinics, and SME support programs. The bank participates in the TSUBASA Alliance, a regional bank collaboration framework, and also provides trust, estate planning, and succession services.
Differentiator
Problem solved
Functional benefit
Brands
- Always: Credit and debit card service
- たすかる君-WEB
- とうほうID
Products and services
- Internet Banking (たすかる君-WEB)
Quantifiable outcome
- Toho Bank mobile app surpassed 200,000 downloads
Companies that use Toho Bank
Customer profileSegments2 records
Ideal customer profiles2 records
Toho Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature5 records
Toho Bank partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and secondary.
- TSUBASA Alliance (10 Regional Banks)coreThe TSUBASA Alliance is a regional bank collaboration framework established in October 2015 by Chiba Bank, DSB Bank (formerly Daikyu Bank), and Chugoku Bank. Toho Bank is one of 10 member banks. The alliance operates a shared FinTech common platform (TSUBASA FinTech共通基盤) that provides digital banking ID services to more than 5 million users across member banks. The alliance conducts joint operations including a joint succession procedure center, common security authentication cards, food drive initiatives, and medical fee revision seminars.
- Chiba BankcoreLead bank of the TSUBASA Alliance. Hosts the alliance's news and coordination. Chiba Bank coordinates the TSUBASA FinTech common platform and joint initiatives.
- Nomura Securities (野村證券)coreToho Bank offers financial product intermediation services (金融商品仲介) in partnership with Nomura Securities, enabling customers to access securities investment and asset management services. The bank promotes joint advisory services '東邦銀行×野村證券' where customers can receive investment advisory services via phone or online without visiting a branch.
- SBI Business Solutions (SBI・ビジネスソリューションズ)secondaryToho Bank provides account information linking services through MoneyLook (SBI BS service), allowing customers to aggregate and view account data from multiple financial institutions. This is part of the bank's open API and account aggregation (口座情報連携サービス) strategy.
- Money Forward (株式会社マネーフォワード)secondaryToho Bank integrates with Money Forward through the とうほうID platform, allowing customers to link their Toho Bank accounts to Money Forward's family ledger and accounting software services.
- Finbee / Nest Egg (株式会社ネストエッグ)secondaryToho Bank integrates with finbee, an automatic savings app provided by Nest Egg, through the とうほうID account aggregation platform.
- Freee (フリー株式会社)secondaryToho Bank connects to Freee's cloud accounting software through the とうほうID platform, enabling small business customers to automatically import bank transaction data into their accounting systems.
- Moneytree (マネーツリー株式会社)secondaryToho Bank integrates with Moneytree's asset management service and Moneytree LINK financial data platform through the とうほうID account aggregation system.
- Yayoi (弥生株式会社)secondaryToho Bank provides account data to Yayoi accounting software users through the '弥生口座自動連携ツール', enabling automatic import of bank transactions into Yayoi accounting products.
- SORIMACHI (ソリマチ株式会社)secondaryToho Bank connects to SORIMACHI's business owner app (スマホ社長) and MoneyLink unified management service through the とうほうID platform.
- Miroku (株式会社くふうAIスタジオ)secondaryToho Bank integrates with Zaim, a household accounting service provided by Miroku, through the とうほうID account aggregation service.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Toho Bank competitors and assessment
Company assessmentDirect peers
- Akita Bank: Akita Bank is the principal regional bank in Akita Prefecture. It competes with Toho Bank across overlapping Tohoku geography and shares the same business model of relationship-based retail and corporate banking with digital channels supplementing physical branches.
- Yamagata Bank: Yamagata Bank is the principal regional bank in Yamagata Prefecture, where Toho Bank also operates a branch (Yonezawa). It is a direct competitor in adjacent Tohoku geography with a comparable retail and corporate product set, and similar scale and listed-bank profile.
- The 77 Bank: 77 Bank is a regional bank headquartered in Sendai, Miyagi Prefecture, serving the broader Tohoku region. It directly competes with Toho Bank for retail and SME customers in adjacent prefectures (Miyagi vs. Fukushima), operates a comparable product suite (deposits, loans, trust, digital banking), and is similar in scale and listed status.
- Bank of Iwate: Bank of Iwate is a regional bank headquartered in Morioka, Iwate Prefecture. It is a direct peer of Toho Bank in the Tohoku region, serving retail and SME customers with a comparable deposit, lending, and digital banking suite. Both banks operate within the same macro environment of depopulation and post-disaster recovery.
- Daito Bank: Daito Bank is a regional bank headquartered in Koriyama, Fukushima Prefecture. It is the most direct geographic peer of Toho Bank (operating in the same prefecture) and is the subject of Toho Bank's December 2025 announced 'Buying Up' share acquisition, making it both a peer and a pending acquisition target.
- Michinoku Bank: Michinoku Bank is a regional bank headquartered in Aomori, Aomori Prefecture. It is a Tohoku-region peer of Toho Bank with a similar retail and SME focus, branch-driven distribution, and Japanese-listing profile, operating in a similarly depopulating rural market.
Others
- Nomura Securities: Nomura Securities is Toho Bank's financial product intermediation partner for investment trusts and securities distribution. While not a direct competitor, it is the upstream product supplier for a material fee-income line at Toho Bank and therefore a strategically coupled ecosystem participant rather than a substitute.
Emerging players
- Rakuten Bank: Rakuten Bank is a digital-first bank affiliated with the Rakuten ecosystem. It competes with Toho Bank for retail deposits, payments, and personal lending, and represents the type of digital-native challenger that pressures regional banks' fee income and deposit growth.
- SBI Sumishin Net Bank: SBI Sumishin Net Bank is a leading Japanese digital bank with a nationwide branchless model. It is an emerging competitor to Toho Bank for retail deposits, mortgage lending, and personal loans, and competes through the MoneyLook aggregation service that Toho Bank also participates in.
Broad incumbents
- Chiba Bank: Chiba Bank is the lead bank of the TSUBASA Alliance and a major regional bank. While not in Tohoku, it is a comparable institution within Toho Bank's alliance network, coordinating the shared fintech platform and offering benchmark product, digital, and ESG strategies that Toho Bank adopts or competes against.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Toho Bank social profiles
Digital presenceToho Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Toho Bank leadership team
Management profileNumber of profiles
Toho Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Toho Bank M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Toho Bank
What does Toho Bank do?
Toho Bank is a regional Japanese bank that accepts deposits, extends personal and corporate loans, distributes investment trusts and insurance, provides foreign exchange and remittance services, and offers digital banking channels (internet banking, mobile app, internet-only branch) for individual consumers and corporate clients primarily in Fukushima Prefecture. It also delivers corporate cash management, densai (electronic receivables), cloud factoring, electronic contract, and ESG/SDGs-linked financing products through both branch-based relationship managers and online platforms.
Is Toho Bank a public or private company?
Toho Bank is a private company. It is classified as public and is currently operating.
When was Toho Bank founded?
Toho Bank was founded in 1941. It employs 1,001 to 5,000 people.
Where is Toho Bank based?
Toho Bank is headquartered in Fukushima-shi, Japan, in the Asia region.
How does Toho Bank make money?
Four revenue lines are on record. Interest Income (Lending) is the primary driver. The others are interest Income (Deposits & Securities), fee & Commission Income and sustainability-linked Financial Products.
Who are Toho Bank's main competitors?
Direct peers on record are Akita Bank, Yamagata Bank, The 77 Bank, Bank of Iwate, Daito Bank and Michinoku Bank. Nomura Securities is listed as an others. Emerging players are Rakuten Bank and SBI Sumishin Net Bank. Chiba Bank is listed as a broad incumbent.
Does Toho Bank have an API?
No public API is recorded for Toho Bank.
What industry is Toho Bank in?
Toho Bank's product category is Regional Banking. Its primary akta.pro industry code is FSABADAB, High-Net-Worth (HNW) Private Banking, with a secondary code of FSABALAD, Loan Operations & Servicing (Consumer/SME/Corporate). Its NAICS code is 5221 and its SIC code is 6099.