The Daishi Hokuetsu Bank

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Hachijuni Nagano Bank for the neighbouring-prefecture peer / contrast, and against the FSA plus banking for the supervisory / system boundary. Group context lives in the parent Dai-shi Hokuetsu FG page.

TL;DR

The Daishi Hokuetsu Bank, Ltd. (株式会社第四北越銀行) is a regional bank (first-tier regional bank) headquartered in Niigata Prefecture that holds a bank license under the Banking Act and is listed on the FSA’s bank license list. It is the core operating bank under Dai-shi Hokuetsu FG, a single banking subsidiary established through the management integration and merger of the former Dai-Shi Bank and the former Hokuetsu Bank. Its business substance is the standard regional-bank model of deposit-taking within Niigata Prefecture and lending to SMEs, individuals, and local governments.

1. License / group boundary

2. Operating model

The Daishi Hokuetsu Bank is a regional bank that, centered on Niigata Prefecture, handles retail deposits, SME finance, corporate lending, regional consulting, and local payment infrastructure. It has a history of consolidating its in-prefecture share through the integration of the former Dai-Shi Bank (one of the oldest regional banks within Niigata Prefecture) and the former Hokuetsu Bank. The FG page handles the holding company, capital policy, and reorganization context, while this page handles the bank-license entity and the operating boundary of branches and regional finance.

3. Regulatory & system positioning

• Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Kanto Local Finance Bureau (Niigata jurisdiction). Soundness is disciplined by capital adequacy ratio regulation (domestic standard) and the like.
• Industry body: A first-tier regional bank belonging to the Regional Banks Association of Japan. It participates in the nationwide bank funds-settlement network (the Zengin System), and as an industry body it connects to the framework of Zenginkyo.
• Depositor protection: Deposits are covered by the Deposit Insurance Corporation of Japan (DIC).
• Consolidation context: For the general context of regional-bank reorganization, including in-prefecture regional-bank integration (former Dai-Shi + former Hokuetsu), see regional-bank consolidation pattern.

4. Why this page matters

• Closes the FSA exact-name operating-company gap for The Daishi Hokuetsu Bank.
• Separates the bank license from dai-shi-hokuetsu-fg holding-company strategy.
• Provides a peer anchor for taiko-bank and Hokuriku / Chubu regional-bank coverage.

Related

• regional-banks INDEX
• dai-shi-hokuetsu-fg
• taiko-bank
• hokuhoku-fg
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

• FSA (金融庁): bank license list (ginkou.xlsx), regional banks.
• The Daishi Hokuetsu Bank official site / company profile, https://www.dhbk.co.jp/english/index.html.