Fukushima Bank

What Fukushima Bank does

Fukushima Bank (株式会社福島銀行, ticker tyo:8562) is a regional Japanese commercial bank founded on November 27, 1922, and headquartered in Fukushima City. The bank operates approximately 48 branches across Fukushima Prefecture plus outposts in Sendai, Kuroiso, Mito, and Omiya, providing retail and commercial banking services to individual customers, SMEs, and regional institutions. Its product portfolio spans mortgage, auto, education, card, free-purpose, and reverse mortgage loans for individuals; business loans including disaster recovery financing, ABL-backed lending, quick business loans, accountant-referred (TKC) loans, and ESG-linked 'Kizuna' loans for SMEs; and deposit, investment trust, pension, insurance, and inheritance products. The bank's revenue model combines traditional net interest margin on deposits and loans with fee income from investment trusts, insurance, ATM and account management fees, foreign exchange, and business services, supported by ongoing public fund normalization (100 billion yen repaid by March 2025).

Technology and distribution infrastructure include a corporate internet banking platform with QR code cash deposit/withdrawal at self-service terminals and multi-method biometric two-factor authentication (TrustBiz app, PC/tablet biometrics, YubiKey USB), a consumer mobile banking app (Fukugin App), the F-NET automated collection network spanning 17 regional financial institutions and 4,000+ nationwide nodes, cloud factoring (with OLTA), INVOY cloud cash flow management (with DONUTS), and the Fukugin New Business Club providing B2B matching, e-learning, cost-down services, and the annual Tokyo Business Summit event. The bank also acts as a sales agent for ORIX Bank, Mizuho Trust Bank, and SBI Net Bank products.

Fukushima Bank is positioned at the center of a major corporate event: on June 25, 2026, SBI Shinsei Bank announced its intention to acquire shares of Fukushima Bank on June 30, 2026, as part of SBI Group's strategy to expand regional banking footprint. This follows the bank's repayment of 100 billion yen of public funds by March 2025, with 230 billion yen still under discussion. The 100-year-old institution continues to emphasize disaster recovery financing (special funds for Fukushima-affected businesses), community environmental programs (the Hometown Natural Environment Fund), and ESG lending as core differentiators versus larger national banks.

Name

Fukushima Bank

Legal name

株式会社福島銀行

Website

https://www.fukushimabank.co.jp/

Company type

Private

Founded year

1922

Operating status

Operating

Headcount range

251–500 employees

Short description

Fukushima Bank is a 100-year-old regional Japanese commercial bank headquartered in Fukushima City, operating ~48 branches across Fukushima Prefecture and adjacent Tohoku/Kanto areas, serving retail customers, SMEs, and regional institutions with deposits, lending, investment, and digital banking services.

Ownership category

akta.pro rank

Product category

Regional Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• Retail banking services
• Personal lending products
• Corporate banking services
• Regional banking
• Digital banking

Headquarters

HQ city

Fukushima

HQ country

Japan

HQ region

Asia

Offices6 records

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 (Loan Portfolio): Core banking revenue from interest on loan products including mortgages (ふくぎん住宅ローン), car loans (マイカーローン), education loans (教育ローン), card loans (カードローン), free loans (フリーローン), reverse mortgages, business loans (クイックビジネスローンα, Bizフリー, アパートローン, 税理士ローン), and disaster recovery financing (ふくしま復興特別資金, 被災企業向け特別資金).
2. Deposit Taking and Savings Products: Traditional deposit products generating float income: current accounts (普通預金, 総合口座), time deposits (定期預金, 年金優遇定期預金「年金1000」, 相続専用定期預金「きずな つなぐ」), and special savings programs.
3. Investment Trust and Insurance Sales: Fee and commission income from investment trust sales (投資信託), insurance products (保険), defined contribution pension (確定拠出年金), and will substitute trust (遺言代用信託).
4. Service Fees and Commissions: Fees from ATM usage (コンビニATMサービス, 当行ATM時間外手数料), account management (未利用口座管理手数料), internet banking (、法人インターネットバンキング), F-NET collection services, electronic money and smartphone payment services (Pay-easy, BankPay), foreign exchange services (外貨両替サービス), and securities account services.
5. Capital Gains / Strategic Investment Income: Strategic participation in SBI Group through share acquisition by SBI Shinsei Bank, with ongoing discussions on remaining public fund repayment (230 billion yen) and capital initiatives.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Fukushima Bank is a regional Japanese bank that provides deposit-taking, lending (mortgages, auto, education, business, disaster recovery, ABL-backed), investment trusts, insurance, internet banking, QR code-enabled cash services, F-NET automated collection, cloud factoring, and business matching services to individuals and SMEs across Fukushima Prefecture. It also operates group subsidiaries for leasing, banking systems, and regional revitalization investment.

Product overview

Fukushima Bank operates a multi-channel regional banking platform serving individual (個人) and corporate (法人) customers primarily in Fukushima Prefecture, with additional branches in Sendai, Kuroiso, Mito, and Omiya. The bank's product architecture spans four core pillars: (1) lending products including auto loans, education loans, card loans, free loans, housing mortgages, and reverse mortgages for individuals, plus SME loans, ABL-backed business loans, reconstruction funds, and ESG-linked Kizuna loans for businesses; (2) deposit and investment products including time deposits, pension-linked savings, and investment trusts (，投信); (3) digital banking services including the Fukugin App (mobile banking), business internet banking with biometric two-factor authentication and QR code-based self-service cash deposit/withdrawal, cloud factoring (ふくぎんクラウドファクタリング), INVOY cloud cash flow management, F-NET automated collection, and the online いつでもどこでも支店 (internet branch); and (4) business support services including the ふくぎんニュービジネスクлуб (new business club with B2B matching, seminars, and cost-reduction services) and Fukushima Bank BMS. The bank also participates in regional payment infrastructure including F-NET, BankPay, and Pay-easy, and offers loyalty programs such as the ふくぎんステージUP program. All services are accessible through a network of physical branches across Fukushima Prefecture and digital channels, with partnerships with SBI Group and Trust Idiom for authentication.

Differentiator

Problem solved

Functional benefit

Products and services

• ふくぎんマイカーローン (Fukugin Auto Loan) Auto loan product for individual customers to finance vehicle purchases, available through the bank's personal lending product lineup.
• ふくぎん教育ローン (Fukugin Education Loan) Education loan for financing tuition and educational expenses, part of the bank's personal lending portfolio.
• ふくぎんクレジットカード (Fukugin Card Loan) Credit card loan product offering revolving credit access for personal customers, marketed as a web-complete (WEB完結), no-branch-visit option.
• ふくぎんフリーローン (Fukugin Free Loan) Free-purpose unsecured personal loan for flexible use, including a consolidation plan (おまとめプラン) and home renovation plan (リフォームプラン) variant.
• ふくぎん住宅ローン (Fukugin Housing Loan) Housing mortgage loan for purchasing or building a home, with variants including a no-collateral mortgage (無担保住宅ローン) and a home loan consolidation plan (おまとめプラン住宅ローン).
• リバースモーゲージ (Reverse Mortgage) Reverse mortgage loan product allowing senior homeowners to convert home equity into cash, offered as part of the personal lending lineup.
• 年金優遇定期預金「年金1000」 (Pension-Preferred Term Deposit) Preferred-interest term deposit product for annuity/pension recipients, offering enhanced interest rates for senior customers.
• 相続専用定期預金「きずな つなぐ」 (Inheritance-Dedicated Term Deposit) Inheritance-dedicated time deposit product designed to facilitate intergenerational wealth transfer, part of the bank's succession planning (相続) product lineup.
• 投資信託 (Investment Trusts) Investment trust product distribution service for individual customers, including new funds such as the Aozora Shin Global Diversified Fund (2026-07). Available through the bank's investment trust sales service.
• 保険 (Insurance Products) Insurance product distribution service for individual customers, including SBI pet insurance and SBI-tyoukai insurance offerings.
• 確定拠出年金 (Defined Contribution Pension / iDeCo) Defined contribution pension service (iDeCo) for retirement planning as part of the bank's そなえる (preparing/protecting) product lineup.
• 遺言代用信託 (Will Substitute Trust) Will substitute trust product for inheritance planning, with Fukushima Bank acting as a trust banking sales agent.
• ふくぎんアプリ (Fukugin Mobile App) Mobile banking application enabling account access, transfer requests, voice reading, electronic statement services, and paperless account services for individual customers. Supports account switching via QR code for device changes.
• ふくぎん法人インターネットバンキング (Fukugin Corporate Internet Banking) Business internet banking platform providing 24/7 account access, fund transfers, QR code-based cash deposit/withdrawal via self-service machines, and multi-method biometric two-factor authentication (TrustBiz app, PC/tablet biometrics, YubiCo USB key). Available until 23:00 on weekdays and weekends.
• ふくぎんクラウドファクタリング (Fukugin Cloud Factoring) Cloud-based accounts receivable factoring platform enabling business customers to convert unpaid invoices into immediate cash, offered in partnership with OLTA at https://www.fukushimabank-olta.jp/.
• INVOY (Cloud Cash Flow Management) Cloud-based cash flow management and accounts payable/receivable reconciliation service for business customers, integrated via partnership with 株式会社DONUTS (partner code: fukushima).
• F-NET代金回収サービス (F-NET Collection Service) Automated collection service via the Fukushima Prefecture Fund Net Service Center, enabling businesses to collect payments for goods, services, membership dues, and insurance premiums through direct debit across a nationwide network of 4,000+ financial institutions and Japan Post Bank.
• ふくぎんニュービジネスクラブ (Fukugin New Business Club) Business member club offering B2B matching services, business seminars, business report downloads, franchise/agency business leads, subsidy information, cost-reduction purchasing, e-learning, and tax advisory referrals. Organizes the annual Tokyo Business Summit trade event.
• ふぐしま復興特別資金 (Fukushima Reconstruction Special Loan) Special reconstruction financing for businesses in Fukushima Prefecture, guaranteed by the Fukushima Prefecture Credit Guarantee Association, supporting businesses affected by the 3/11 earthquake and nuclear disaster.
• ESGかんしゃ絆ローン (ESG Kizuna Loan) ESG-themed Kizuna (bond) loan program supporting community and social enterprises with environmental, social, and governance objectives, reflecting the bank's regional community support initiatives. Two seasons available (Season 1 and Season 2).
• ふくぎん子ども絆ローン (Fukugin Children Kizuna Loan) Child-related loan product supporting families with children in the Fukushima region, part of the bank's community bond (絆) loan series.
• ふくぎんTKC福島県支部提携ローン (Fukugin TKC Fukushima Partnership Loan) Business loan product offered in partnership with the TKC Fukushima Prefecture accountants' association, targeting SMEs with accounting-based lending criteria.
• いつでもどこでも支店 (Docodemo Branch / Internet Branch) Internet branch service (Web完結型店舗) allowing new account opening and banking transactions entirely online, available via the bank's internet banking infrastructure.
• ふくぎんステージUPプログラム (Fukugin StageUP Loyalty Program) Tiered customer loyalty program rewarding deposits and other banking activities with benefits and preferential rates.
• Pay-easy / BankPay / F-One Card Convenience Services Convenience services bundle including Pay-easy account transfer reception service, BankPay QR/barcode payment service with NTT DATA as intermediary, F-One Card (IC-based integrated banking and payment card), and ATM fee-free services for individual customers.

Quantifiable outcome

• New loans without management guarantee: 558 (Oct 2024-Mar 2025), 648 (Apr-Sep 2025); Ratio: 40.6% and 42.5% respectively
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

15 partnerships are on record, tiered core and minor.

• F-NET Partner Institutions (17 F-NET加盟金融機関)coreChannel Partner/ Reseller/ DistributorF-NET (Fukushima Prefecture Capital Network Service Center) coordinates automated collection services. Partner institutions include: Toho Bank (東邦銀行), Fukushima Bank, Daito Bank (大東銀行), Aizu Shinkin Bank (会津信用金庫), Koriyama Shinkin Bank (郡山信用金庫), Shirakawa Shinkin Bank (白河信用金庫), Sukagawa Shinkin Bank (須賀川信用金庫), Himawari Shinkin Bank (ひまわり信用金庫), Abukuma Shinkin Bank (あぶくま信用金庫), Nihonmatsu Shinkin Bank (二本松信用金庫), Fukushima Shinkin Bank (福島信用金庫), Iwaki Shinkin Credit Union (いわき信用組合), Aizu Shoko Shinkin (会津商工信用組合), Fukushima JA (JA JA JA), and Tohoku Rokin Bank (東北労働金庫). Plus SMBC Finance Service (SMBCファイナンスサービス🍑) for nationwide coverage (4,000+ institutions) and Japan Post Bank.
• SMBC Finance Service (SMBCファイナンスサービス株式会社)coreChannel Partner/ Reseller/ DistributorPartnership via F-NET for nationwide collection service coverage. SMBC Finance Service provides the broader collection network enabling F-NET members to offer nationwide automated collection services to corporate customers.
• Japan Post Bank (ゆうちょ銀行)minorChannel Partner/ Reseller/ DistributorJapan Post Bank ATM linkage enables Fukushima Bank customers to use Japan Post Bank ATMs for deposits and withdrawals. Part of broader ATM network expansion.
• AEON Bank (イオン銀行)minorChannel Partner/ Reseller/ DistributorATM partnership allowing Fukushima Bank customers to use AEON Bank ATMs. Part of bank's strategy to expand ATM accessibility for customers.
• Yubico (株式会社Yubico)coreTechnology or IntegrationYubiKey USB authentication devices provide hardware-based biometric security (finger/pattern) for corporate internet banking login. Fukushima Bank offers YubiKey as one of three biometric authentication methods alongside TrustBiz app and PC/tablet biometrics. Supports 128bit SSL encryption and electronic certificate authentication.
• TrustBiz (Trust Idiom / トラストイディオム)coreTechnology or IntegrationTrustBiz smartphone app provides biometric authentication (fingerprint/face) as second-factor for corporate internet banking login. Fukushima Bank offers TrustBiz as one of three biometric methods alongside PC/tablet biometrics and YubiKey.
• SecureBrain Corporation (株式会社セキュアブレイン) / PhishWallcoreTechnology or IntegrationPhishWall Premium phishing protection software is offered free to Fukushima Bank customers. Browser toolbar displays security signal confirming website authenticity, protecting against phishing attacks impersonating the bank. Supported on Windows 11 with Edge, Chrome, and Firefox. Part of bank's cybersecurity infrastructure.
• NetMove Corporation (ネットムーブ株式会社) / SaAT NetizencoreTechnology or IntegrationSaAT Netizen security software is offered free to Fukushima Bank website visitors and internet banking users. Protects against viruses and unauthorized activities while banking online. Menu panel displays on desktop when active. Available 8:00-22:00 weekdays, 8:00-19:00 weekends (excluding holidays and year-end).
• SBI Mirai Pension (SBIみらい年金)minorGTM or Marketing PartnerSBI mirai pension seminar (SBIみらい年金セミナー) events organized in partnership with SBI Group, promoted on Fukushima Bank's website as an SBI-tyūkai (SBI提携) service. Aims to educate customers on pension planning.
• SBI Pet Insurance (SBIペット保険)minorGTM or Marketing PartnerWEB insurance service for pet insurance (SBIペット保険) offered as SBI-tyūkai service via Fukushima Bank's website. Pet owners can purchase insurance through the bank's digital platform.
• ORIX Bank (オリックス銀行株式会社)minorChannel Partner/ Reseller/ DistributorFukushima Bank acts as trust contract sales agent (信託契約代理店) for ORIX Bank. Customers can access ORIX Bank trust products through Fukushima Bank's branch network.
• Mizuho Trust Bank (みずほ信託銀行株式会社)minorChannel Partner/ Reseller/ DistributorFukushima Bank acts as trust contract sales agent (信託契約代理店) for Mizuho Trust Bank. Extends trust banking product access to regional customers through Fukushima Bank branches.
• SBI Net Bank (住信SBIネット銀行株式会社)minorChannel Partner/ Reseller/ DistributorFukushima Bank acts as bank agency (銀行代理業) for SBI Net Bank, offering SBI Net Bank products through Fukushima Bank's branch network as part of the SBI Group partnership.
• BankPay ( 은행페이 / NTT DATA)coreTechnology or IntegrationBankPay barcode payment service connected via Pay-easy link method. Fukushima Bank participates in BankPay network enabling smartphone barcode payments at participating merchants. Contract details published per regulatory requirements.
• NTT DATA (株式会社NTTデータ)coreTechnology or IntegrationNTT DATA is the designated electronic payment intermediary (電子決済等代行業者) for BankPay transactions at Fukushima Bank. Contract details disclosed per banking regulations. https://jeppo.jp/bankpay/dl/eg-dendaigyou.pdf

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Toho Bank (東邦銀行): Toho Bank is one of the largest regional banks headquartered in Fukushima City, sharing the same primary geography. Both banks participate in the F-NET collection service together, serve overlapping SME and retail customers, and operate similar branch networks across Fukushima Prefecture.
• Daito Bank (大東銀行): Daito Bank is another Fukushima-headquartered regional bank and F-NET collection network partner. It directly competes with Fukushima Bank for SME deposits, lending, and regional business banking customers within Fukushima Prefecture.
• Michinoku Bank (みちのく銀行): Michinoku Bank is a regional bank serving the Tohoku region including Aomori, Iwate, and Akita prefectures. It shares a similar business model of regional commercial banking, retail lending, and SME relationship banking with overlapping customer demographics.
• Kirayaka Bank (きらやか銀行): Kirayaka Bank is a regional bank headquartered in Yamagata Prefecture serving the broader Tohoku region. It is highly comparable in scale, product mix, and customer segments to Fukushima Bank, with similar exposure to aging populations and SME lending.
• Sendai Bank (仙台銀行): Sendai Bank is a regional bank headquartered in Miyagi Prefecture with branches throughout the Tohoku region including Sendai, where Fukushima Bank also has a presence. It competes directly in retail and SME banking across neighboring Tohoku markets.
• Akita Bank (秋田銀行): Akita Bank is a Tohoku regional bank with a similar profile of retail and commercial banking in a population-declining region. It serves as a useful operational and strategic peer for evaluating Fukushima Bank's market position and growth trajectory.
• Yamagata Bank (山形銀行): Yamagata Bank is another Tohoku regional bank with comparable scale, product set, and customer demographics to Fukushima Bank. It serves as a benchmark for valuation and performance in the Tohoku regional banking sector.

Broad incumbents

• SBI Shinsei Bank (住信SBIネット銀行): SBI Shinsei Bank is the acquiring institution in the Fukushima Bank transaction and an existing distribution partner (SBI Net Bank agency relationship). It is a digital-first, broad-product bank that brings scale, fintech capabilities, and cross-selling opportunities to the regional banking segment.
• Aozora Bank (あおぞら銀行): Aozora Bank is a Japanese mid-tier bank that has actively repurchased public fund obligations similar to Fukushima Bank's situation. It serves as a relevant comparable on capital structure, public fund repayment strategy, and transition to independent operating models.

Regional players

• Hokkaido Bank (北海道銀行): Hokkaido Bank is a regional bank serving a population-declining, geographically dispersed market analogous to Fukushima's. It provides useful comparability on rural banking economics, digital transformation strategy, and SME lending in shrinking markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments5 records

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

Frequently asked questions about Fukushima Bank