Overview
Banks

The Toho Bank,Ltd.

Toho Bank is a regional bank headquartered in Fukushima City, Fukushima Prefecture, operating 123 branches and offices primarily across the Fukushima region. The Bank provides core banking services including deposit-taking, lending, and foreign exchange, complemented by group subsidiaries engaged in securities, leasing, credit guarantee, credit card, and M&A advisory services. The Group leverages its deep regional presence and integrated financial services platform to serve individuals, SMEs, and local governments in the Tohoku and surrounding areas.

Market Cap
¥231B
US$1.47B
EV
¥—B
Stock¥923▼-2.53%
US$1 = ¥156.80 (2026-10-23)
ROE
6.3%
* LTM NI / end-of-period equity
PBR
1.0
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+82.5%pt
100
Oct 24, 25 – Oct 23, 26StockTOPIX
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Performance & Balance
Revenue 5Y (¥B)
60.2US$384M'22/358.7US$374M'23/359.0US$376M'24/370.4US$449M'25/392.5US$590M'26/3
Net Income 5Y (¥B)
6.75US$43.1M'22/34.49US$28.7M'23/35.25US$33.5M'24/37.45US$47.5M'25/312.4US$78.8M'26/3
Capital Structure
100%
EquityDebt
Liquidity vs Debt 5Y (¥B)
CashInv. Sec.Debt
2,796US$17.8B'22/31,985US$12.7B'23/31,795US$11.4B'24/31,234US$7.87B'25/3946US$6.03B'26/3
Shareholders
Top 10 hold 34.8%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
10.50%
2
Custody Bank of Japan, Ltd. (Trust Account)
4.41%
3
Meiji Yasuda Life Insurance Company
3.97%
4
Fukushima Shoji Co., Ltd.
3.37%
5
The Toho Bank,Ltd. Employee Stock Ownership Association
3.33%
6
Nippon Life Insurance Company
3.17%
7
NITTO BOSEKI CO.,LTD.
1.89%
8
Sumitomo Life Insurance Company
1.57%
9
Kei TAKAHASHI
1.36%
10
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.26%
Management
15 officers
Minoru SATO
Representative Director, President
Apr 1983 Joined The Toho Bank, Ltd. Jun 2010 General Manager, Market Finance Department Jun 2012 Director; General Manager, General Planning Department and Chief, Management Strategy Coordination Office May 2014 Director; General Manager, Head Office Sales Department Jun 2014 Managing Director; General Manager, Head Office Sales Department Jun 2016 Senior Managing Director; General Manager, Administration Headquarters Jun 2020 Director, President (current)
1960-11-27
Katsutoshi ENDO
Representative Director, Senior Managing Director
Apr 1988 Joined The Toho Bank, Ltd. May 2016 Manager, Sendai Branch Jun 2019 Executive Officer; Manager, Sendai Branch Jun 2020 Executive Officer; Deputy Head, Sales Headquarters Jun 2021 Managing Executive Officer; General Manager, Head Office Sales Department Mar 2023 Managing Executive Officer Jun 2023 Senior Managing Director Mar 2025 Senior Managing Director; Head, Sales Headquarters Mar 2026 Senior Managing Director (current)
1965-12-20
Hiromi MEGURO
Managing Director
Apr 1988 Joined The Toho Bank, Ltd. Oct 2016 Senior Executive Advisor, Personnel Department (seconded to Ohara Memorial Foundation) Jun 2019 Executive Officer, Personnel Department (seconded to Ohara Memorial Foundation) Sep 2019 Executive Officer in charge of Internal Audit Department Dec 2019 Executive Officer; Deputy Head, Sales Headquarters Jun 2020 Executive Officer; Manager, Onahama Branch Mar 2023 Executive Officer; General Manager, Koriyama Sales Department Jun 2023 Managing Executive Officer; General Manager, Koriyama Sales Department Jun 2024 Managing Executive Officer; Stationed in Koriyama Mar 2025 Managing Executive Officer Jun 2025 Managing Director (current)
1964-09-15
Shinji TAKANO
Managing Director
Apr 1989 Joined The Toho Bank, Ltd. Mar 2021 Manager, Kitakata Branch and Manager, Shiokawa Branch Jun 2021 Executive Officer; Manager, Kitakata Branch and Manager, Shiokawa Branch Jun 2022 Executive Officer; Deputy Head, Sales Headquarters and General Manager, Corporate Consulting Department Mar 2023 Executive Officer; Deputy Head, Sales Headquarters and General Manager, Sales Planning Department Mar 2024 Executive Officer; Head, Administration Headquarters Jun 2024 Managing Executive Officer; Head, Administration Headquarters Mar 2025 Managing Executive Officer Jun 2025 Managing Director (current)
1966-04-10
Takashi SEKINE
Director
Rin KANARI
Director
Toshiyuki HATA
Director
Masako KONISHI
Director
Apr 1981 Joined Chubu-Nippon Broadcasting Co., Ltd., Announcer Department Mar 1983 Left the same company Apr 1989 Caster and reporter at multiple broadcasters including NHK, TBS, and CNN Apr 1998 Obtained Certified Weather Forecaster qualification; weather caster at Tokyo MX TV and others Jun 2001 Joined Weathernews Inc., Content Creation Department, as weather forecaster caster and producer Jul 2004 Left the same company Sep 2005 Joined World Wide Fund for Nature Japan (current) Apr 2017 Professor (Special Appointment), Department of Business Design, Faculty of Global Business, Showa Women's University Apr 2022 Specially Appointed Professor, Graduate School of Advanced Integrated Studies in Human Survivability (Shishu-kan), Kyoto University Jun 2022 Director (Part-time, Independent Officer), Toho Bank, Ltd. (current) Apr 2023 Professor (Special Appointment), Graduate School of Social Welfare and Management Studies, Showa Women's University Mar 2025 Specially Appointed Professor, Graduate School of Advanced Integrated Studies in Human Survivability (Shishu-kan), Kyoto University; Retired Apr 2026 Visiting Professor, Graduate School of Social Welfare and Management Studies, Showa Women's University (current)
1958-10-18
Hideya TAKASHIMA
Director
Apr 1982 Joined Sapporo Breweries Ltd. Nov 1997 Manager, Production Department, Osaka Brewery Sep 2001 Manager in charge, Production Department, Beer Production Headquarters Mar 2007 Plant Manager, Sendai Brewery Mar 2009 Director and Executive Officer; General Manager, Management Strategy Headquarters Sep 2012 Managing Executive Officer; General Manager, Hokkaido Headquarters Mar 2013 Managing Executive Officer; General Manager, Hokkaido Headquarters and Representative, Hokkaido Head Office Mar 2015 Director and Senior Managing Executive Officer, Pokka Sapporo Food & Beverage Ltd. Jan 2017 Representative Director, President, Sapporo Breweries Ltd.; Group Executive Officer, Sapporo Holdings Ltd. Mar 2017 Representative Director, President, Sapporo Breweries Ltd.; Managing Group Executive Officer, Sapporo Holdings Ltd. Mar 2021 Adviser, Sapporo Holdings Ltd. Mar 2022 Outside Audit & Supervisory Board Member, Fujio Food Group Co., Ltd. (current) Jun 2022 Director (part-time, independent officer), The Toho Bank, Ltd. (current) Jun 2022 Outside Audit & Supervisory Board Member, Hokkaido Airports Co., Ltd. (current) Mar 2023 Adviser, Sapporo Holdings Ltd.; resigned Jul 2023 Chairman of the Board of Trustees, Rakuno Gakuen Educational Corporation (current)
1959-11-20
Takao SATO
Director (Audit and Supervisory Committee Member)
Apr 1985 Joined The Toho Bank, Ltd. Sep 2016 General Manager, General Affairs Department Jun 2018 Executive Officer; General Manager, Business Support Department May 2021 Executive Officer; General Manager, Tokyo Branch Jun 2022 Officer assigned to Audit and Supervisory Committee Office Jun 2024 Director (Audit and Supervisory Committee Member) (current)
1961-06-29
Ichiro KONO
Director (Audit and Supervisory Committee Member)
Apr 1985 Joined Ministry of Finance (current Ministry of Finance) Jul 2006 Director, Surcharge and Disclosure Inspection Division, Secretariat of the Securities and Exchange Surveillance Commission, Financial Services Agency Jul 2009 Senior Coordinator for Postal Savings and Insurance Supervision, General Affairs Division, Supervisory Bureau, Financial Services Agency Aug 2011 Director, General Affairs Division, Inspection Bureau, Financial Services Agency Aug 2012 Director, General Affairs Division, Secretariat of the Securities and Exchange Surveillance Commission, Financial Services Agency Jul 2013 Director-General, Chugoku Local Finance Bureau, Ministry of Finance Jul 2014 Deputy Director-General, Secretariat of the Securities and Exchange Surveillance Commission, Financial Services Agency Jul 2015 Director-General, Tohoku Local Finance Bureau, Ministry of Finance Jun 2016 Managing Director, Regional Economy Vitalization Corporation of Japan Jun 2018 Resigned from the same company Jun 2018 Managing Director and Executive Officer, Shoko Chukin Bank, Ltd. Jun 2021 Resigned from the same company Jun 2021 Retired from Ministry of Finance Nov 2021 Adviser, Aioi Nissay Dowa Insurance Co., Ltd. May 2022 Resigned from the same company Jun 2022 Director (Audit and Supervisory Committee Member, part-time, independent officer), The Toho Bank, Ltd. (current) Mar 2026 Outside Director, Rakuten Securities Holdings, Inc. (current)
1963-01-28
Takamasa HISADA
Director (Audit and Supervisory Committee Member)
Apr 1980 Joined Bank of Japan Mar 2002 Manager, Matsue Branch Mar 2004 Counselor, Examination Department Jul 2005 Counselor, Financial Institutions Department Jul 2007 Deputy Director, International Department Jul 2009 Deputy Director, Europe; Acting Head, London Office May 2011 Inspector and Head, Examination Room Jun 2012 Retired from Bank of Japan Jun 2012 Managing Director, National Association of Shinkin Banks Feb 2015 Resigned from the same association Mar 2015 Director, Deposit Insurance Corporation of Japan Feb 2021 Resigned from the same corporation May 2021 Senior Adviser, Aflac Life Insurance Japan Apr 2023 Resigned from the same company Apr 2024 Fund Manager, Suginami City, Tokyo (part-time) (current) Jun 2024 Director (Audit and Supervisory Committee Member, part-time, independent officer), The Toho Bank, Ltd. (current)
1957-07-23
Toru ODA
Director (Audit and Supervisory Committee Member)
Apr 1985 Joined Kyowa Bank, Ltd. (now Resona Bank, Ltd.) Aug 1992 Resigned from the same bank Aug 1992 Joined Kinzai Institute for Financial Affairs, Weekly Kinyu Zaisei Jijo editorial department Apr 2006 General Manager and Editor-in-Chief, Weekly Kinyu Zaisei Jijo editorial department Apr 2008 General Manager, Tokyo Sales Department No. 2, Kinzai Co., Ltd. Apr 2011 Director; Head, Education Business Center, Kinzai Co., Ltd. May 2013 Executive Director, Secretary General and Director, Education and Training Bureau, Kinzai Institute for Financial Affairs Jun 2013 Representative Director, Managing Director, Secretary General and Director, Education and Training Bureau, Kinzai Institute for Financial Affairs Jul 2014 Representative Director, Senior Managing Director, Secretary General and Editor-in-Chief, Kinzai Institute for Financial Affairs Apr 2019 Senior Managing Director, Kinzai Co., Ltd.; Director, Publishing Bureau Mar 2023 Resigned from the same company Apr 2023 Senior Fellow, Kinzai Institute for Financial Affairs May 2023 External Adviser, Storm Harbour Securities Co., Ltd. (current) Oct 2023 Special Adviser, PwC Japan LLC Nov 2023 Secretary General, Fintech Association of Japan (current) Jan 2024 Resigned from Kinzai Institute for Financial Affairs May 2024 Resigned from PwC Japan LLC Jun 2024 Director (Audit and Supervisory Committee Member, part-time, independent officer), The Toho Bank, Ltd. (current)
1962-08-04
Yumiko TAKAHASHI
Director (Audit and Supervisory Committee Member)
Yuko TAKAGI
Director (Audit and Supervisory Committee Member)
Large Shareholding Reports
No filings
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-07-31
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-15
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-05-27
株主総会招集通知
TDnet
2026-02-10
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-18
Semi-Annual Securities Report
Period: Apr 2025 – Sep 2025
TDnet
2025-07-31
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-23
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-05
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-19
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-06
Q1 Earnings Flash
FY ending Mar 2025
EDINETAmended
2024-07-03
Amended Securities Registration Statement
EDINET
2024-06-26
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-06-26
Securities Registration Statement
EDINET
2024-02-06
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-21
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-02
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-26
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-03
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-24
Quarterly Securities Report
EDINET
2022-08-03
Quarterly Securities Report
EDINET
2022-06-23
Annual Securities Report
EDINET
2022-02-03
Quarterly Securities Report
EDINET
2021-11-24
Quarterly Securities Report
EDINET
2021-08-04
Quarterly Securities Report
EDINET
2021-06-23
Annual Securities Report
EDINETAmended
2021-06-16
Amended Annual Securities Report
Period: Apr 2016 – Mar 2017
EDINETAmended
2021-06-16
Amended Annual Securities Report
EDINETAmended
2021-06-16
Amended Annual Securities Report
EDINETAmended
2021-06-16
Amended Annual Securities Report
Period: Apr 2015 – Mar 2016
EDINETAmended
2021-06-16
Amended Annual Securities Report
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