Overview
Banks

TOMATO BANK,LTD.

Tomato Bank is a regional bank headquartered in Okayama City, Japan, providing comprehensive banking services including deposits, lending, domestic and foreign exchange, and securities investment through its head office and 60 branch locations. The Group also offers complementary financial services through wholly-owned subsidiaries engaged in leasing (industrial machinery) and credit card operations. The bank serves retail and corporate customers in the Okayama and broader Chugoku region, leveraging an integrated financial services platform.

Market Cap
¥20.3B
US$129M
EV
¥—B
Stock¥1,758▼-1.95%
US$1 = ¥156.80 (2026-10-23)
ROE
4.4%
* LTM NI / end-of-period equity
PBR
0.3
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+8.4%pt
1001234
Oct 24, 25 – Oct 23, 26StockTOPIX
1Feb 3, 26Outperformed market (+10.1% vs TOPIX +3.1%)
2Feb 5, 26Counter-market rise (+5.7% vs TOPIX flat)
3Mar 4, 26Market-linked decline (TOPIX -3.7%)
4Mar 5, 26Outperformed market (+7.2% vs TOPIX +1.9%)
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Performance & Balance
Revenue 5Y (¥B)
22.8US$146M'22/323.0US$147M'23/324.1US$153M'24/325.7US$164M'25/326.6US$169M'26/3
Net Income 5Y (¥B)
1.66US$10.6M'22/31.88US$12.0M'23/31.53US$9.76M'24/31.82US$11.6M'25/31.97US$12.6M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
193US$1.23B'22/384.3US$537M'23/399.1US$632M'24/3106US$674M'25/3107US$681M'26/3
Shareholders
Top 10 hold 23.3%
1
TOMATO BANK,LTD. Employee Stock Ownership Association
3.65%
2
The Chugoku Bank, Limited
3.47%
3
Asahi Mutual Life Insurance Company
2.90%
4
Mizuho Bank, Ltd.
2.85%
5
Kiyoyuki KATO
2.25%
6
Yamasa Co., Ltd.
1.89%
7
Yoshiaki OKAWA
1.62%
8
Sumitomo Mitsui Trust Bank, Limited
1.58%
9
Okayama Prefecture
1.56%
10
Sompo Japan Insurance Inc.
1.52%
Management
13 officers
Shogo TAKAGI
Representative Director, President, in charge of Audit Department
Mar 1973 Joined Sanyo Mutual Bank (now The Tomato Bank) Jun 1991 General Manager, Planning Department Jun 1996 Manager, Noda Branch Jun 1998 Manager, Tokyo Branch and Head of Tokyo Office Jun 1999 Director, General Manager, Corporate Planning Department Apr 2000 Director, General Manager, Management Planning Department Jun 2001 Director, Head of No. 2 Area Division Oct 2002 Director, Head of No. 1 Area Jun 2004 Director, Head of Sales Division and General Manager, Sales Coordination Department Jun 2005 Managing Director, General Manager, Corporate Planning Department Jun 2006 Senior Managing Director Apr 2012 Deputy President Jun 2014 President (current)
1950-09-27
Masaki INOUE
Representative Director, Senior Managing Director, in charge of Credit Examination Department, Corporate Support Department, Risk Management Division and General Affairs Department
Apr 1990 Joined The Tomato Bank Apr 2010 Manager, Katakami Branch Sep 2011 Manager, Akaiwa Branch (opening) Oct 2012 Manager, Tokyo Branch and Head of Tokyo Office, Corporate Planning Department Jun 2015 Manager, Saidaiji Branch Jun 2016 Executive Officer, Manager, Saidaiji Branch Jun 2017 Executive Officer, General Manager, Sales Coordination Department Jun 2019 Director, General Manager, Corporate Planning Department Jun 2023 Managing Director Jun 2023 President, Tomato Business Co., Ltd. Jun 2024 Senior Managing Director Jun 2026 Senior Managing Director, Head of Market Division (current)
1967-08-08
Masayasu TABE
Senior Managing Director, Head of Sales Division
Dec 1991 Joined The Tomato Bank Apr 2010 Research Officer, Human Resources and General Affairs Department Jun 2010 Manager, Hayashino Branch Jun 2012 Manager, Fukuyama Branch Jun 2014 Research Officer, Secretariat Office Oct 2014 General Manager, Secretariat Office Jun 2017 Manager, Saidaiji Branch Jun 2018 Executive Officer, Manager, Saidaiji Branch Jun 2019 Executive Officer, General Manager, Kurashiki Sales Department Jun 2021 Director, General Manager, Head Office Sales Department Jun 2023 Managing Director, General Manager, General Affairs Department Jun 2024 Managing Director Jun 2025 Managing Director, Head of Sales Division Jun 2026 Senior Managing Director, Head of Sales Division (current)
1964-01-02
Yasuhisa TSUBOTA
Managing Director, Head of Market Division; in charge of Human Resources Department, Human Capital Strategy Office and Secretariat Office
Apr 1990 Joined The Tomato Bank Jun 2011 Research Officer, Corporate Planning Department Feb 2012 Deputy General Manager, Human Resources Department and Corporate Planning Department Jun 2016 Manager, Mikado Branch Oct 2018 General Manager, Human Resources Department Jun 2021 Executive Officer, General Manager, Human Resources Department Oct 2022 Executive Officer, General Manager, Audit Department Jun 2023 Director, General Manager, Audit Department Jun 2024 Director, Head of Market Division Jun 2025 Managing Director, Head of Market Division Jun 2026 Managing Director, General Manager, Risk Management Division (current)
1968-03-29
Koji TANIMOTO
Director; in charge of Operations and Systems Department and Corporate Planning Department
Apr 1993 Joined The Tomato Bank Feb 2012 Deputy Manager, Kurashiki Branch Jul 2014 Deputy General Manager, Kurashiki Sales Department Jun 2015 Manager, Tokyo Branch and Head of Tokyo Office, Corporate Planning Department Jun 2017 Manager, Mizushima Branch Jun 2019 General Manager, Sales Coordination Department Jun 2022 Executive Officer, General Manager, Sales Coordination Department Jun 2023 Director, General Manager, Head Office Sales Department Jun 2025 Director Jun 2025 President, Tomato Business Co., Ltd. (current) Jun 2026 Managing Director (current)
1970-08-26
Kazuo NAKAGAWA
Director, Deputy Head of Sales Division
Apr 1990 Joined Dai-Ichi Kangyo Bank (now Mizuho Financial Group) Nov 2005 Manager, Yasaka Branch, Mizuho Bank Aug 2007 Manager, Gakuenmae Branch, Mizuho Bank Apr 2010 Deputy General Manager, Corporate Business Department, and Senior Planner, Individual Sales Promotion Department, Mizuho Trust & Banking Jan 2012 Manager, Nada Branch, Mizuho Bank Apr 2014 Business Officer, Ninth Branch Operations Department, Mizuho Bank Apr 2017 Manager, Abeno-bashi Branch, Mizuho Bank Apr 2020 Senior Planner, Global Human Resources Department, Mizuho Bank Dec 2021 General Manager, Sales Division, The Tomato Bank (seconded from Mizuho Bank) Nov 2022 Resigned from Mizuho Bank Dec 2022 Joined The Tomato Bank Dec 2022 General Manager, No. 2 Area Division, Sales Division Jun 2023 Executive Officer, Head of No. 1 Area Division, Sales Division Jun 2025 Director, Deputy Head of Sales Division Jun 2026 Director (current)
1967-08-26
Daiji YAGI
Director, General Manager, Head Office Sales Department
Apr 1988 Joined Sanyo Mutual Bank (now The Tomato Bank) Feb 2006 Manager, Ibara Branch Jun 2008 Manager, Hayashino Branch Jun 2010 Deputy General Manager, Okayama Minami Sales Department Oct 2013 Manager, Niimi Branch Feb 2016 Manager, Kojima Branch Jun 2018 Manager, Tsuyama Branch Jun 2020 Executive Officer, Manager, Tsuyama Branch Jun 2021 Executive Officer, General Manager, Okayama Minami Sales Department Jun 2023 Executive Officer, General Manager, Kurashiki Sales Department Jun 2025 Director, General Manager, Head Office Sales Department (current)
1965-12-20
Hiroshi OGAWA
Director
Apr 1976 Joined Daiichi Audit Office (now EY ShinNihon LLC) May 1986 Opened Ogawa Hiroshi Tax Accountant Office (current) Jun 1998 Vice Chairman, Chugoku Chapter, Japanese Institute of Certified Public Accountants Apr 1999 Comprehensive External Auditor, Okayama Prefecture Jul 2006 Opened Ogawa Hiroshi Certified Public Accountant Office (current) Jul 2006 Outside Director, Kinki Osaka Bank (now Kansai Mirai Bank) Jun 2011 Corporate Auditor (part-time), Kinki Osaka Bank (now Kansai Mirai Bank) Mar 2013 Corporate Auditor (part-time), Kinki Osaka Bank (now Kansai Mirai Bank), retired Jun 2013 Director of the Company (current)
1951-10-08
Mihoko UEOKA
Director
Apr 1973 Joined Japan External Trade Organization (JETRO), a special public corporation Apr 1998 Director, Okayama Trade Information Center, JETRO Jul 2008 Director, Stockholm Office, JETRO Jul 2011 Retired from JETRO Apr 2012 Part-time Lecturer, Shujitsu University Feb 2013 Specially Appointed Professor, Shujitsu University Jun 2013 Director of the Company (current) Apr 2016 Corporate Auditor, Okayama University
1950-07-03
Junichi MITSUZANE
Full-time Corporate Auditor
Apr 1990 Joined The Tomato Bank Nov 2008 Research Officer, Corporate Planning Department Jun 2009 Deputy General Manager, Corporate Planning Department Jun 2019 Assistant General Manager, Corporate Planning Department Apr 2021 General Manager, Risk Management Division, General Manager, Compliance Office, General Manager, Customer Consultation Office, and General Manager (attached), Corporate Planning Department Dec 2022 Executive Officer, General Manager, Risk Management Division, General Manager, Compliance Office, and General Manager, Customer Consultation Office Jun 2024 Executive Officer, General Manager, Audit Department Jun 2025 Full-time Corporate Auditor (current)
1966-11-29
Tetsuya OKUDA
Corporate Auditor
Apr 1984 Joined Okayama Prefectural Government Apr 1993 Registered with Okayama Bar Association Apr 1997 Opened Okuda Law Office (current) Apr 2006 Vice President, Okayama Bar Association Apr 2008 Chairman, Public Relations Committee, Okayama Bar Association Apr 2010 Family Court Conciliation Commissioner, Okayama Family Court (current) Jun 2016 Chairman, Okayama Prefectural Committee for Certification of Occupational Accident Compensation Jun 2018 Corporate Auditor of the Company (current) Apr 2020 Chairman, Okayama Family Mediation Association (current) Sep 2020 Outside Director, J.E.T. Co., Ltd. (current) Jun 2026 Director, Okayama Daihon Ikueikai Foundation (current)
1961-08-29
Atsuko FURUMINAMI
Corporate Auditor
Apr 1983 Joined Okayama Prefectural Government Apr 2010 General Manager, Disability Welfare Division, Health and Welfare Department Apr 2012 General Manager, Elderly Society Division, Health and Welfare Department Apr 2014 General Manager, Environment Planning Division, Environment and Culture Department Apr 2015 Deputy General Manager, Environment and Culture Department Apr 2017 Deputy General Manager, General Affairs Department Apr 2018 Director, Treasury Bureau Apr 2019 General Manager, Environment and Culture Department Mar 2021 Retired from Okayama Prefectural Government Apr 2021 Part-time Lecturer, Faculty of Economics and Business Administration, Pan-Pacific University Jun 2021 Auditor, Asahikawaso Social Welfare Corporation (current) Jun 2021 Auditor, Kibi no Sato Social Welfare Corporation Jul 2021 Director, Okayama Rizo Biyo Gakuen School Corporation (current) Oct 2021 Family Court Conciliation Commissioner, Okayama Family Court (Kurashiki Branch) (current) Jul 2022 Chairperson, Kibi no Sato Social Welfare Corporation (current) Oct 2023 Member, Okayama Prefectural Personnel Commission (current) Jun 2024 Corporate Auditor of the Company (current)
1960-06-26
Nobuo TAKIGUCHI
Corporate Auditor
Apr 1981 Joined Hiroshima Training Institute, National Tax College, National Tax Agency Jun 1982 Joined Kurashiki Tax Office Jul 2012 Special National Tax Investigator, Investigation Division I, Osaka Regional Taxation Bureau Jul 2014 Special National Tax Investigator, Investigation and Inspection Division, Hiroshima Regional Taxation Bureau Jul 2015 Tax Accountant Supervisor, General Affairs Division, Hiroshima Regional Taxation Bureau Jul 2016 Director, Saosu Tax Office Jul 2017 Chief, Consumption Tax Division, Second Taxation Division, Hiroshima Regional Taxation Bureau Jul 2018 Chief, Corporate Taxation Division, Second Taxation Division, Hiroshima Regional Taxation Bureau Jul 2019 Chief, General Affairs Division, General Affairs Department, Hiroshima Regional Taxation Bureau Jul 2021 Deputy Director, Second Taxation Department, Hiroshima Regional Taxation Bureau Jul 2022 Director, Second Taxation Department, Hiroshima Regional Taxation Bureau Jul 2023 Retired from Hiroshima Regional Taxation Bureau Aug 2023 Registered as Certified Tax Accountant (current) Jun 2024 Corporate Auditor of the Company (current)
1963-01-24
Large Shareholding Reports
Mizuho Bank, Ltd.
2025-08-22
2.84%→2.84%
Annual report (as of 2026-03-31): 2.85%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-04
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-25
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-02-03
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-27
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2025-08-22
Large Shareholding Report
TDnet
2025-08-04
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-26
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-04
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-27
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-09
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-28
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-09
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-27
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-08
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
2022-11-28
Quarterly Securities Report
EDINET
2022-08-03
Quarterly Securities Report
EDINET
2022-06-29
Annual Securities Report
EDINET
2022-02-09
Quarterly Securities Report
EDINET
2021-11-29
Quarterly Securities Report
EDINET
2021-08-06
Quarterly Securities Report
EDINET
2021-06-30
Annual Securities Report
EDINETAmended
2021-02-26
Amended Quarterly Securities Report
EDINET
2021-02-10
Quarterly Securities Report
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