Overview
Banks

The Kita-Nippon Bank,Ltd.

The North Japan Bank is a regional bank headquartered in Morioka, Iwate Prefecture, operating a network of 76 branches (including its head office) across its primary service area. The Bank offers a full range of banking services including deposit-taking, lending, domestic and foreign exchange, and securities investment, complemented by leasing, IT solutions, and credit card/guarantee services through its consolidated subsidiaries. The Group serves retail and corporate customers in the Iwate region, with a planned expansion into investment activities through a newly established wholly-owned investment subsidiary (Kitagin Capital Partners Co., Ltd.) scheduled for July 2025.

Market Cap
¥57.9B
US$369M
EV
¥—B
Stock¥2,356▼-2.97%
US$1 = ¥156.80 (2026-10-23)
ROE
5.2%
* LTM NI / end-of-period equity
PBR
0.6
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+67.4%pt
100
Oct 24, 25 – Oct 23, 26StockTOPIX
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Performance & Balance
Revenue 5Y (¥B)
23.1US$148M'22/323.6US$151M'23/329.0US$185M'24/326.4US$168M'25/330.3US$193M'26/3
Net Income 5Y (¥B)
2.11US$13.5M'22/32.66US$17.0M'23/33.07US$19.6M'24/34.01US$25.6M'25/34.36US$27.8M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
278US$1.77B'22/389.2US$569M'23/3133US$849M'24/3110US$701M'25/3123US$785M'26/3
Shareholders
Top 10 hold 26.5%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
8.43%
2
Meiji Yasuda Life Insurance Company
4.52%
3
Custody Bank of Japan, Ltd. (Trust Account)
3.80%
4
The Kita-Nippon Bank,Ltd. Employee Stock Ownership Association
2.41%
5
Sumitomo Life Insurance Company
1.66%
6
SMBC Nikko Securities Inc.
1.54%
7
Jumonji Chicken Company Ltd.
1.22%
8
KAMEI CORPORATION
1.11%
9
Mizuho Bank, Ltd.
0.91%
10
Hitachi,Ltd.
0.89%
Management
13 officers
Kyoro ISHIZUKA
Representative Director, President
Apr 1984 Joined the Bank Apr 2000 Manager, Honmachi Branch Apr 2001 General Manager, Sales Planning Department Oct 2005 Manager, Sendai Branch and Manager, Sendai Loan Center Jun 2007 Director, Manager, Sendai Branch and Manager, Sendai Loan Center Apr 2008 Director, Manager, Sendai Branch May 2009 Director Jun 2009 Managing Director May 2011 Managing Director, General Manager, Sales Management Department Apr 2013 Managing Director Jun 2015 Senior Managing Director Feb 2020 Director, President (current)
1960-04-18
Hiroshi SHIMOMURA
Managing Director
Apr 1990 Joined the Bank Oct 2008 General Manager, Secretariat Apr 2012 Manager, Mizusawa Branch Apr 2015 General Manager, Corporate Planning Department Jun 2017 Director, General Manager, Corporate Planning Department Apr 2019 Director, General Manager, Sales Management Department Oct 2020 Managing Director, General Manager, Sales Management Department Apr 2023 Managing Director (current)
1966-11-22
Tadashi HAMAHIRA
Managing Director
Apr 1983 Joined the Bank Oct 2004 Manager, Minami-Odori Branch Apr 2008 Deputy General Manager, Sales Management Department Apr 2014 Manager, Honmachi Branch Apr 2017 General Manager, Credit Examination Department Jun 2019 Director, General Manager, Credit Examination Department Apr 2021 Director, Assistant to the President Jun 2021 Managing Director (current)
1964-09-11
Koki ISHIKAWA
Managing Director
Apr 1981 Joined the Bank Apr 2001 Manager, Futsukamachi Branch Apr 2004 Manager, Aoyamacho Branch Apr 2006 Manager, Kuji Branch May 2009 Manager, Shiogama Branch Apr 2013 General Manager, Credit Examination Department Apr 2017 General Manager, Internal Audit Department Jun 2020 Full-time Audit and Supervisory Board Member Jun 2021 Director, Full-time Audit and Supervisory Committee Member Jun 2024 Managing Director Jun 2026 Senior Managing Director (current)
1962-07-16
Yuta KODERA
Director, General Manager, Operations & Systems Department
Apr 1991 Joined The Nippon Credit Bank, Ltd. (now SBI Shinsei Bank, Limited) Aug 2007 Resigned from Shinsei Bank, Ltd. (now SBI Shinsei Bank, Limited) Sep 2007 Joined Sumitomo Trust & Banking Co., Ltd. (now Sumitomo Mitsui Trust Bank, Limited) Apr 2020 Resigned from Sumitomo Mitsui Trust Bank, Limited May 2020 Joined the Bank; Advisor, Corporate Planning Department Jun 2020 Director, General Manager, Corporate Planning Department Apr 2022 Director, General Manager, Tokyo Branch and Manager, Tokyo Office Apr 2024 Director, General Manager, Tokyo Branch and Manager, Tokyo Office, and General Manager, Financial Innovation & Solutions Office, Sales Management Department Apr 2025 Director, General Manager, Operations & Systems Department Jun 2026 Managing Director, General Manager, Sales Management Department (current)
1968-06-06
Manabu TAKAHASHI
Director, General Manager, Corporate Planning Department
Apr 1989 Joined the Bank Apr 2007 Manager, Minami-Koizumi Branch Apr 2010 Manager, Fukushima Branch Apr 2012 General Manager, Secretariat Apr 2015 Manager, Odori Branch Apr 2017 General Manager, Human Resources Department Jun 2020 Manager, Tokyo Branch and Manager, Tokyo Office Apr 2022 General Manager, Corporate Planning Department Jun 2023 Director, General Manager, Corporate Planning Department Jun 2024 Director, General Manager, Corporate Planning Department, and General Manager, Digital Strategy Office Apr 2025 Director, General Manager, Corporate Planning Department Jun 2026 Director (current)
1966-03-25
Tetsuhiro KON
Director, General Manager, Head Office Sales Department and Manager, Ueda Branch
Apr 1991 Joined the Bank Oct 2012 Manager, Motomiya Branch Oct 2014 Manager, Koriyama Branch Nov 2017 Manager, Kitakami Branch Apr 2020 Manager, Aomori Branch Apr 2023 General Manager, Head Office Sales Department and Manager, Ueda Branch Jun 2023 Director, General Manager, Head Office Sales Department and Manager, Ueda Branch Jun 2026 Director, Manager, Sendai Branch (current)
1967-12-26
Masato KOMURA
Director
Apr 1971 Joined Meiji Mutual Life Insurance Company (now Meiji Yasuda Life Insurance Company) Jan 2004 Managing Director, Head of Asset Management Division, Meiji Yasuda Life Insurance Company Jun 2020 Standing Adviser, Sanki Engineering Co., Ltd. Jun 2021 Director, the Bank (current) Jul 2025 Advisor, Sanki Engineering Co., Ltd. (current)
1947-07-12
Masatoshi TANIFUJI
Director
Oct 1987 Joined Sanwa Matsunami Aoki Audit Corporation (now Deloitte Touche Tohmatsu LLC) Jun 2001 Partner, Deloitte Touche Tohmatsu LLC Oct 2008 Head of Morioka Office, Deloitte Touche Tohmatsu LLC Oct 2010 Head of Sendai Office, Deloitte Touche Tohmatsu LLC Dec 2015 Executive Officer (Audit Division), Deloitte Touche Tohmatsu LLC Jun 2018 Board Member, Head of Audit Committee, Deloitte Touche Tohmatsu LLC Jul 2018 Board Member, Head of Audit Committee, Deloitte Tohmatsu LLC Oct 2022 Representative, Masatoshi Tanifuji Certified Public Accountant Office (current) Oct 2022 Representative Director & CEO, MAT Triangle Co., Ltd. (current) Jun 2023 Director, the Bank (current)
1960-03-31
Naoto KASAI
Director, Audit and Supervisory Committee Member
Apr 1990 Joined the Bank Jun 2010 Manager, Harunaka Branch Oct 2013 Deputy Manager, Corporate Planning Department Oct 2016 Deputy General Manager, Operations & Systems Department Jun 2019 General Manager, Operations & Systems Department Jun 2023 Executive Officer, General Manager, Operations & Systems Department Apr 2025 Executive Officer, Assistant to the President Jun 2025 Director, Full-time Audit and Supervisory Committee Member (current)
1967-05-20
Akira TSUDA
Director, Audit and Supervisory Committee Member
Apr 1968 Joined Nomura Securities Co., Ltd. Jun 1996 Representative Director, Senior Managing Director, Nomura Securities Co., Ltd. Aug 2009 Director, Takara Printing Co., Ltd. (now TAKARA & COMPANY LTD.) Jun 2015 Director, Torishima Pump Mfg. Co., Ltd. Apr 2018 President, Japan Compliance Promotion Association (current) Dec 2019 Director, FCE Holdings Co., Ltd. (now FCE Co., Ltd.) (current) Jun 2021 Director, Audit and Supervisory Committee Member, the Bank (current) Aug 2021 Advisor, Takara Printing Co., Ltd. (current)
1944-06-15
Chiharu SHIBATA
Director, Audit and Supervisory Committee Member
Aug 2009 Joined Daiichi Shoji Co., Ltd. Jun 2014 Director, Head of President's Office, Daiichi Shoji Co., Ltd. Jun 2016 Managing Director, Daiichi Shoji Co., Ltd. May 2022 Representative Director, President, Daiichi Shoji Co., Ltd. (current) Jun 2023 Director, Audit and Supervisory Committee Member, the Bank (current) Jun 2025 Director, Yuatec Co., Ltd. (current)
1972-05-21
Hiroo KINDAICHI
Director, Audit and Supervisory Committee Member
Apr 1983 Joined Bank of Japan Jul 2016 Senior Research Fellow, Ricoh Economic Research Institute Jun 2018 Executive Officer, Okasan Securities Co., Ltd. Apr 2020 Senior Executive Officer (Corporate Business), Okasan Securities Co., Ltd. Apr 2023 Senior Executive Officer (Global Research Division), Okasan Securities Co., Ltd. Apr 2024 Managing Executive Officer (Global Research Division), Okasan Securities Co., Ltd. Jun 2024 Director, Audit and Supervisory Committee Member, the Bank (current) Jul 2025 Advisor, Sompo Japan Inc. (current)
1959-11-06
Large Shareholding Reports
Barclays Capital Securities Ltd.
2026-07-23
5.18%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-07-31
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-07-23
Large Shareholding Report
EDINET
2026-06-19
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-01-30
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-26
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-07-31
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-24
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-01-31
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-26
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-07-31
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-27
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-13
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-27
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-14
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-28
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-09
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-25
Quarterly Securities Report
EDINET
2022-08-12
Quarterly Securities Report
EDINET
2022-06-28
Annual Securities Report
EDINET
2022-02-10
Quarterly Securities Report
EDINET
2021-11-29
Quarterly Securities Report
EDINET
2021-08-13
Quarterly Securities Report
EDINET
2021-06-30
Annual Securities Report
EDINET
2021-02-10
Quarterly Securities Report
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