Overview
Banks

THE FIRST BANK OF TOYAMA,LTD.

The First Bank of Toyama is a regional bank headquartered in Toyama Prefecture, Japan, offering a full range of retail and corporate banking services including deposits, loans, domestic and foreign exchange, and investment products through its head office and 65 branch locations. The bank provides housing loans, car loans, educational loans, card loans, investment trusts, insurance, and inheritance-related services to individual and corporate customers. Its group companies extend the business into leasing, credit card services, loan guarantees, consumer finance, and investment fund management.

Market Cap
¥192B
US$1.22B
EV
¥—B
Stock¥3,155▼-3.81%
US$1 = ¥156.80 (2026-10-23)
ROE
9.3%
* LTM NI / end-of-period equity
PBR
1.0
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+92.0%pt
1001
Oct 24, 25 – Oct 23, 26StockTOPIX
1Feb 6, 26Q3 earnings: recurring profit -23.8% YoY, net -22.7%
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Performance & Balance
Revenue 5Y (¥B)
28.4US$181M'22/335.3US$225M'23/338.7US$247M'24/348.5US$309M'25/353.1US$339M'26/3
Net Income 5Y (¥B)
3.49US$22.2M'22/34.20US$26.8M'23/35.28US$33.7M'24/313.4US$85.2M'25/315.1US$96.0M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
53.9US$344M'22/374.3US$474M'23/367.9US$433M'24/379.9US$509M'25/380.2US$512M'26/3
Shareholders
Top 10 hold 28.2%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
10.31%
2
The Hokuriku Bank, Ltd.
3.08%
3
The Fukui Bank,Ltd.
2.84%
4
Nippon Life Insurance Company
2.08%
5
THE FIRST BANK OF TOYAMA,LTD. Employee Stock Ownership Association
2.08%
6
Kitanihon Broadcasting Co.,Ltd.
1.71%
7
INTEC Inc.
1.59%
8
STATE STREET BANK AND TRUST COMPANY 505223 (Standing Proxy: Mizuho Bank, Ltd.)
1.57%
9
Sumitomo Life Insurance Company
1.52%
10
Tokio Marine & Nichido Fire Insurance Co., Ltd.
1.46%
Management
16 officers
Mitsuru NOMURA
Representative Director, President
Apr 1987 Joined Bank of Japan May 2011 Branch Manager, Fukushima Branch, Bank of Japan May 2013 Senior Deputy Director-General, Planning Bureau, Bank of Japan Jun 2014 Senior Deputy Director-General, Financial System and Bank Examination Department, Bank of Japan Jun 2015 Director-General, Operations Bureau, Bank of Japan Apr 2017 Director-General, General Affairs and Personnel Bureau, Bank of Japan Apr 2019 Retired from Bank of Japan Apr 2019 Joined Toyama Daiichi Bank as Full-time Senior Advisor Jun 2019 Director, Deputy President, and General Manager, Human Resources Planning Department Mar 2020 Director, Deputy President, and General Manager, Business Innovation Office, General Planning Department Apr 2021 Director, President (current)
1962-08-09
Riki HONDA
Representative Director, Managing Director; Head of Organizational Management; General Manager, Human Resources Planning Department
Apr 1985 Joined Toyama Daiichi Bank Sep 2003 Business Promotion Manager, Credit Examination Department Oct 2004 Branch Manager, Tonami Branch Apr 2009 Business Promotion Manager, Sales Planning Department Jun 2012 Deputy Branch Manager, Takaoka Branch Apr 2016 Branch Manager, New Center Branch Apr 2018 General Manager, Market and Finance Department Jul 2020 Executive Officer, General Manager, Market and Finance Department Jun 2021 Director, General Manager, Corporate Department, Branch Manager, Tokyo Branch, and Office Manager, Tokyo Office Jan 2023 Director, General Manager, General Planning Department Jun 2025 Managing Director, General Manager, Human Resources Planning Department Jun 2026 Managing Director, Head of Organizational Management, General Manager, Human Resources Planning Department (scheduled)
1963-03-27
Mamoru HONNAI
Director, General Manager, Management Administration Department
Apr 1989 Joined Toyama Daiichi Bank Apr 2010 Branch Manager, Izumi Branch Apr 2012 Branch Manager, Ishiburi Branch Oct 2015 Branch Manager, Himi Branch Oct 2017 Chief Business Promotion Manager, Corporate Business Department Apr 2020 Branch Manager, Toyama Minami Center Branch Sep 2021 Branch Manager, Toyama Minami Center Branch and Negizukamachi Branch Jun 2022 Executive Officer, Branch Manager, Takaoka Branch, and Branch Manager, Shimizu Branch Apr 2025 Executive Officer, Deputy General Manager, Management Administration Department Jun 2025 Director, General Manager, Management Administration Department (current)
1966-06-15
Hitoshi II
Director, General Manager, Market and Finance Department
Apr 1991 Joined Toyama Daiichi Bank Apr 2011 Branch Manager, Higashimachi Branch Apr 2015 Branch Manager, Tsutsumimachi Branch Apr 2017 Business Promotion Manager, Sales Planning Department Oct 2017 Chief Business Promotion Manager, Corporate Business Department Apr 2018 Deputy Branch Manager, Business Plaza Branch, and Chief Business Promotion Manager, Corporate Business Department Apr 2020 Deputy General Manager, Corporate Department Apr 2022 Deputy General Manager, Corporate Business Department, and Deputy General Manager, Retail Department Jun 2023 General Manager, Corporate Business Department, and General Manager, Retail Department Jun 2024 Executive Officer, General Manager, Corporate Business Department, and General Manager, Retail Department (current) Jun 2025 Director, General Manager, Corporate Business Department, and General Manager, Retail Department Apr 2026 Director, Head of Sales Support Jun 2026 Director, General Manager, Market and Finance Department (scheduled)
1968-12-21
Kazumasa MORIYAMA
Director, General Manager, Corporate Department, Branch Manager, Tokyo Branch, and Office Manager, Tokyo Office
Apr 1992 Joined Toyama Daiichi Bank Apr 2011 Branch Manager, Kureha Branch Apr 2014 Branch Manager, Fuchu Branch Apr 2016 Deputy Branch Manager, Tokyo Branch Oct 2017 Deputy General Manager, Corporate Department Apr 2020 Branch Manager, New Center Branch Jan 2023 General Manager, Corporate Department, Branch Manager, Tokyo Branch, and Office Manager, Tokyo Office Jun 2024 Executive Officer, General Manager, Corporate Department, Branch Manager, Tokyo Branch, and Office Manager, Tokyo Office Jun 2025 Director, General Manager, Corporate Department, Branch Manager, Tokyo Branch, and Office Manager, Tokyo Office (current)
1969-04-02
Tamotsu SODA
Director, General Manager, Clerical Administration and Systems Department, and General Manager, Channel Innovation Department
Apr 1993 Joined Toyama Daiichi Bank Apr 2009 Research Officer, General Planning Department Oct 2011 Branch Manager, Tonyamachi Branch Jan 2015 Research Officer, General Planning Department Apr 2016 Deputy General Manager, General Planning Department Oct 2017 Deputy General Manager, Management Administration Department Mar 2020 Deputy General Manager, General Planning Department, in charge of Business Innovation Office Apr 2021 Deputy General Manager, General Planning Department, and General Manager, Business Innovation Office Apr 2022 Deputy General Manager, General Planning Department; General Manager, Business Innovation Office; General Manager, Digital Innovation Office; Deputy General Manager, Direct Banking Department; Branch Manager, Internet Branch Jan 2023 General Manager, Channel Innovation Department, and Branch Manager, Internet Branch Jun 2024 Executive Officer, General Manager, Channel Innovation Department, and Branch Manager, Internet Branch Jun 2025 Executive Officer, General Manager, Clerical Administration and Systems Department, General Manager, Channel Innovation Department, and Branch Manager, Internet Branch Apr 2026 Executive Officer, General Manager, Clerical Administration and Systems Department, and General Manager, Channel Innovation Department Jun 2026 Director, General Manager, Clerical Administration and Systems Department, and General Manager, Channel Innovation Department (scheduled)
1970-04-22
Kenji FUJI
Director, General Manager, General Planning Department
Apr 1995 Joined Toyama Daiichi Bank Apr 2011 Research Officer, General Planning Department Apr 2013 Branch Manager, Taikoyama Branch Oct 2016 Research Officer, Risk Management Department Oct 2017 Chief Research Officer, Management Administration Department Apr 2022 Deputy General Manager, Head Office Sales Department Apr 2023 Deputy General Manager, General Planning Department Jun 2024 Executive Officer, General Manager, Head Office Sales Department, and Branch Manager, Koizumi Branch Apr 2025 Executive Officer, Deputy General Manager, General Planning Department Jun 2025 Executive Officer, General Manager, General Planning Department Jun 2026 Director, General Manager, General Planning Department (scheduled)
1972-05-01
Manabu SUNAHARA
Director, General Manager, Corporate Business Department, and General Manager, Retail Department
Apr 1995 Joined Toyama Daiichi Bank Apr 2014 Branch Manager, Iwase Branch Oct 2017 Branch Manager, Takayama Branch May 2019 Branch Manager, Namerikawa Branch Apr 2022 Chief Business Promotion Manager, Corporate Business Department, and Chief Business Promotion Manager, Retail Department Jan 2023 Branch Manager, New Center Branch Jun 2025 Executive Officer, Deputy General Manager, Corporate Business Department, and Deputy General Manager, Retail Department (with rank of General Manager) Apr 2026 Executive Officer, General Manager, Corporate Business Department, and General Manager, Retail Department Jun 2026 Director, General Manager, Corporate Business Department, and General Manager, Retail Department (scheduled)
1972-01-19
Katsumi KANAOKA
Director
May 1985 Joined INTEC Inc. Jun 2000 Director, INTEC Inc.; President, AT Tokyo Corporation Apr 2007 Representative Director, Executive Officer, President, INTEC Inc. Apr 2008 Director, IT Holdings Corporation Jun 2008 Audit & Supervisory Board Member, Toyama Daiichi Bank Jun 2009 President, Representative Director, INTEC Inc. Jun 2012 Chairman, Representative Director, IT Holdings Corporation May 2015 Chairman, Director, INTEC Inc. Jun 2015 Director, Toyama Daiichi Bank (current) Jun 2016 Director, IT Holdings Corporation (now TIS Inc.) Apr 2018 Director, Senior Advisor, INTEC Inc. Apr 2021 President, Representative Director, Teika Pharmaceutical Co., Ltd. (current) Jul 2021 Special Advisor, Sky Intec Co., Ltd. (current)
1956-02-24
Ryota YANAGIHARA
Director
Apr 1985 Joined Bank of Japan May 2008 Branch Manager, Matsumoto Branch, Bank of Japan Jul 2010 Deputy Branch Manager, Osaka Branch, Bank of Japan Jul 2011 Senior Deputy Director-General, Systems and Information Department, Bank of Japan Jun 2013 Senior Deputy Director-General, General Affairs and Personnel Bureau, Bank of Japan May 2014 Director-General, Currency Issue Department, Bank of Japan Aug 2015 Chief, Policy Board Office, Bank of Japan Apr 2017 Appointed Auditor, Bank of Japan Mar 2021 Retired as Auditor, Bank of Japan May 2021 Advisor, Security and Transport Division, Nippon Express Co., Ltd. Jan 2023 Vice President, Director, NX Cash Logistics Co., Ltd. Jun 2023 Director, Toyama Daiichi Bank (current) Oct 2023 Representative Director, CRD Association Jun 2025 Chairman, Representative Director, CRD Association (current)
1961-04-29
Keiji MATSUDA
Full-time Audit and Supervisory Board Member
Apr 1983 Joined Toyama Daiichi Bank Oct 2002 Branch Manager, Kureha Branch Oct 2005 Branch Manager, Kurobe Branch Apr 2009 Branch Manager, Shinminato Branch Apr 2013 Branch Manager, Tokyo Branch Jun 2016 General Manager, Market and Finance Department Apr 2018 General Manager, Head Office Sales Department Mar 2019 General Manager, Corporate Department, Branch Manager, Tokyo Branch, and Office Manager, Tokyo Office Jun 2019 Director, General Manager, Corporate Department, Branch Manager, Tokyo Branch, and Office Manager, Tokyo Office Jun 2021 Director, General Manager, Human Resources Planning Department, and General Manager, Compliance and Fiduciary Duty Department Jun 2022 Audit & Supervisory Board Member (current)
1960-12-11
Hiroshi MAEDA
Full-time Audit and Supervisory Board Member
Apr 1985 Joined Toyama Daiichi Bank Jan 2005 Branch Manager, Higashi-Odori Branch Apr 2007 Branch Manager, Aeon FB Branch Apr 2010 Branch Manager, Showamachi Branch Apr 2012 Branch Manager, Tonami Branch Apr 2016 Branch Manager, Toyama Minami Center Branch Apr 2018 General Manager, Management Administration Department Apr 2020 Branch Manager, Takaoka Branch Jul 2020 Executive Officer, Branch Manager, Takaoka Branch Feb 2021 Executive Officer, Branch Manager, Takaoka Branch, and Branch Manager, Shimizu Branch Jun 2021 Director, Branch Manager, Takaoka Branch, and Branch Manager, Shimizu Branch Jun 2022 Director, General Manager, Human Resources Planning Department, and General Manager, Compliance and Fiduciary Duty Department Jun 2024 Director, General Manager, Human Resources Planning Department Jun 2025 Audit & Supervisory Board Member (current)
1961-09-26
Takehito TANIGAKI
Director
Apr 1992 Registered as attorney-at-law (Second Tokyo Bar Association); joined Ishii Law Office (current) Jun 2000 Inspector (Specialist Examiner), Inspection Bureau, Financial Supervisory Agency (now Financial Services Agency) Jun 2016 Audit & Supervisory Board Member, Taiyo Life Insurance Company Jun 2019 Director, Toyama Daiichi Bank (current) Jun 2024 Audit & Supervisory Board Member, T&D Lease Co., Ltd. (current)
1964-01-28
Yuka NISHIDA
Director
Oct 2000 Joined Asahi Audit Corporation (now KPMG AZSA LLC) Apr 2004 Registered as Certified Public Accountant Aug 2021 Representative, Nishida CPA Office (current) Jun 2022 Director, Toyama Daiichi Bank (current)
1973-01-31
Makoto KAMACHI
Audit and Supervisory Board Member
Apr 1984 Joined Hokkoku Shimbun Co., Ltd. Jun 2017 Director, Hokkoku Shimbun Co., Ltd. Jun 2019 Managing Director, Hokkoku Shimbun Co., Ltd. Jun 2021 Senior Managing Director, Hokkoku Shimbun Co., Ltd. Jan 2022 President, Representative Director, Hokkoku Shimbun Co., Ltd. (current) Jun 2022 Audit & Supervisory Board Member, Toyama Daiichi Bank (current)
1961-08-18
Koji SHIMATANI
Audit and Supervisory Board Member
Apr 1986 Joined Kitanihon Broadcasting Co., Ltd. Jun 2011 Director, Head of President's Office, Kitanihon Broadcasting Co., Ltd. Jun 2020 Managing Director, Head of Administration Division, Kitanihon Broadcasting Co., Ltd. Jul 2022 Managing Director, Head of Management Division, Kitanihon Broadcasting Co., Ltd. Jun 2023 President, Representative Director, Kitanihon Broadcasting Co., Ltd. (current) Jun 2023 Audit & Supervisory Board Member, Toyama Daiichi Bank (current)
1964-03-07
Large Shareholding Reports
No filings
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-03
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-19
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-02-06
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-21
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-01
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-23
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-07
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-22
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-02
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-21
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-13
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-24
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINETAmended
2023-08-24
Amended Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-29
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-10
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-25
Quarterly Securities Report
EDINET
2022-08-09
Quarterly Securities Report
EDINET
2022-06-29
Annual Securities Report
EDINET
2022-02-10
Quarterly Securities Report
EDINET
2021-11-25
Quarterly Securities Report
EDINET
2021-08-10
Quarterly Securities Report
EDINET
2021-06-29
Annual Securities Report
EDINET
2021-02-12
Quarterly Securities Report
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