Risk of the Capital Adequacy Ratio Falling Below the Required Level
First written in FY2016. 16 of 29 entries say "Worsened", first in FY2017. Latest entry: 2026-08-14.
The Yamagata Bank moved to the "Worse" side of this theme in 2017, 1 year before the typical company in this theme (2018).
The whole theme swung hardest in 2017: 9 of 38 companies on the "Worse" side.
23 other companies' latest entry also says "Mitigated".
- 2026-08-14MitigatedFinancial Results Presentation
「[Consolidated] Equity ratio A=B/C 10.21% 0.36% 9.85% [Standalone] Equity ratio A=B/C 9.68% 0.36% 9.32%」
As of the end of June 2026, the consolidated and standalone equity ratios had both increased by 0.36 percentage points from the end of March 2026. Both remained above the domestic standard of 4%. - FY2026WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 9.85 Non-consolidated capital adequacy ratio (domestic standard) 9.32」
The consolidated capital adequacy ratio decreased from 10.37% at the end of the previous fiscal year to 9.85%, while the non-consolidated capital adequacy ratio decreased from 9.90% to 9.32%. Both nevertheless remain at or above the 4% domestic standard. - 2026-05-15WorsenedEarnings
「As a result, the equity ratio declined by 0.48 percentage points year on year to 9.32%.」
The standalone equity ratio declined from 9.80% at the end of the previous fiscal year to 9.32%. The consolidated equity ratio also declined from 10.32% to 9.85%. - FY2026-H1WorsenedAnnual report
「30 September 2025 1. Consolidated capital adequacy ratio (2/3) 10.27 Non-consolidated capital adequacy ratio (domestic standard) 9.75」
The consolidated capital adequacy ratio decreased from 10.37% at the end of the previous fiscal year to 10.27%, while the non-consolidated capital adequacy ratio decreased from 9.90% to 9.75%. Both nevertheless remain at or above the 4% domestic standard. - FY2025-H1WorsenedAnnual report
「30 September 2024 1. Consolidated capital adequacy ratio (2/3) 10.29 Non-consolidated capital adequacy ratio (domestic standard) 9.81」
The consolidated capital adequacy ratio decreased from 10.37% at the end of the previous fiscal year to 10.29%, while the non-consolidated capital adequacy ratio decreased from 9.90% to 9.81%. Both nevertheless remain at or above the 4% domestic standard. - FY2024WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 10.37 Non-consolidated capital adequacy ratio (domestic standard) 9.90」
The consolidated capital adequacy ratio decreased from 10.73% at the end of the previous fiscal year to 10.37%, while the non-consolidated capital adequacy ratio decreased from 10.25% to 9.90%. Both nevertheless remain at or above the 4% domestic standard. - FY2024-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 10.46 2. Consolidated total capital 1,483 3. Risk-weighted assets 14,173 4. Total required consolidated capital 566」
The consolidated capital adequacy ratio decreased from 10.73% at the end of the previous fiscal year to 10.46%, while the non-consolidated capital adequacy ratio decreased from 10.25% to 10.01%. Both nevertheless remain at or above the 4% domestic standard. - FY2023MitigatedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 10.73 Non-consolidated capital adequacy ratio (domestic standard) 10.25」
The consolidated capital adequacy ratio increased from 10.39% at the end of the previous fiscal year to 10.73%, while the non-consolidated capital adequacy ratio increased from 9.94% to 10.25%. Both remain at or above the 4% domestic standard. - FY2023-Q2MitigatedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 10.94 Non-consolidated capital adequacy ratio (domestic standard) 10.49」
The consolidated capital adequacy ratio increased from 10.39% at the end of March 2022 to 10.94%, while the non-consolidated capital adequacy ratio increased from 9.94% to 10.49%. Both remain above the 4% domestic standard. - FY2022WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 10.39 Non-consolidated capital adequacy ratio (domestic standard) 9.94」
The consolidated capital adequacy ratio decreased from 10.84% at the end of the previous fiscal year to 10.39%, while the non-consolidated capital adequacy ratio decreased from 10.38% to 9.94%. Both nevertheless remain at or above the 4% domestic standard. - FY2022-Q2WorsenedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 10.82 2. Consolidated total capital 1,462 3. Risk-weighted assets 13,510」
The consolidated capital adequacy ratio decreased from 10.84% at the end of March 2021 to 10.82%. It remains at or above the 4% domestic standard. - FY2022-Q1RestatedAnnual report
「During the first quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes or new developments since the previous fiscal year regarding the risk of the capital adequacy ratio falling below the required level. - FY2021WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 10.84 Non-consolidated capital adequacy ratio (domestic standard) 10.38」
The capital adequacy ratio decreased from 11.02% on a consolidated basis and 10.59% on a non-consolidated basis at the end of the previous fiscal year to 10.84% and 10.38%, respectively. The ratios nevertheless remain at or above the 4% domestic standard. - FY2021-Q3RestatedAnnual report
「During the cumulative third quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes or new developments since the previous fiscal year regarding the risk of the capital adequacy ratio falling below the required level. - FY2021-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 10.89 Non-consolidated capital adequacy ratio (domestic standard) 10.48」
As of the end of September 2020, the consolidated capital adequacy ratio was 10.89% and the non-consolidated ratio was 10.48%, down from 11.02% and 10.59%, respectively, at the end of March 2020. Both nevertheless remain above the 4% domestic standard. - FY2020WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.02 Non-consolidated capital adequacy ratio (domestic standard) 10.59」
The consolidated capital adequacy ratio decreased from 11.59% at the end of the previous fiscal year to 11.02%, while the non-consolidated capital adequacy ratio decreased from 11.15% to 10.59%. Both nevertheless remain above the 4% domestic standard. - FY2020-Q3RestatedAnnual report
「During the cumulative third quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes or new developments since the previous fiscal year regarding the risk of the capital adequacy ratio falling below the required level. - FY2020-Q2MitigatedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.66 Non-consolidated capital adequacy ratio (domestic standard) 11.22」
As of the end of September 2019, the consolidated capital adequacy ratio was 11.66% and the non-consolidated ratio was 11.22%, up from 11.59% and 11.15%, respectively, at the end of March 2019. - FY2019WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.59 Non-consolidated capital adequacy ratio (domestic standard) 11.15」
The consolidated capital adequacy ratio decreased from 11.61% at the end of the previous fiscal year to 11.59%, while the non-consolidated capital adequacy ratio decreased from 11.19% to 11.15%. Both nevertheless remain above the 4% domestic standard. - FY2019-Q3RestatedAnnual report
「During the cumulative third quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes or new developments since the previous fiscal year regarding the risk of the capital adequacy ratio falling below the required level. - FY2019-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 30 September 2018 1. Consolidated capital adequacy ratio (2/3) 11.52 2. Consolidated total capital 1,419 3. Risk-weighted assets 12,312 4. Total required consolidated capital 492 Non-consolidated capital adequacy ratio (domestic standard) 30 September 2018 1. Capital adequacy ratio (2/3) 11.09」
The consolidated capital adequacy ratio decreased from 11.61% at the end of the previous consolidated fiscal year to 11.52%, while the non-consolidated capital adequacy ratio decreased from 11.19% to 11.09%. - FY2019-Q1RestatedAnnual report
「During the first quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes or new developments since the previous fiscal year regarding the risk of the capital adequacy ratio falling below the required level. - FY2018WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) (Unit: ¥100 million, %) 31 March 2018 1. Consolidated capital adequacy ratio (2/3) 11.61 Non-consolidated capital adequacy ratio (domestic standard) 11.19」
The consolidated capital adequacy ratio decreased from 12.11% at the end of the previous fiscal year to 11.61%, while the non-consolidated capital adequacy ratio decreased from 11.44% to 11.19%. Both remain above the 4% domestic standard. - FY2018-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.86 Non-consolidated capital adequacy ratio (domestic standard) 11.44」
The consolidated capital adequacy ratio decreased from 12.11% at the end of the previous consolidated fiscal year to 11.86%, while the non-consolidated capital adequacy ratio decreased from 12.01% to 11.44%. The disclosure also states that the domestic standard is applied. - FY2018-Q1RestatedAnnual report
「During the first quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes or new developments regarding the risk of the capital adequacy ratio falling below the required level. - FY2017WorsenedAnnual report
「Although total capital increased by ¥2.1 billion from the end of the previous consolidated fiscal year, risk-weighted assets and other items increased by ¥75.3 billion due to an increase in outstanding loans and other factors. As a result, the consolidated capital adequacy ratio (domestic standard) decreased by 0.66 percentage points to 12.11%.」
The consolidated capital adequacy ratio decreased from 12.77% to 12.11%, a decline of 0.66 percentage points. It nevertheless remains above the 4% domestic standard. - FY2017-Q2RestatedAnnual report
「During the cumulative second quarter of the current fiscal year, there were no newly arising matters that could materially affect investors’ decisions among the matters concerning the business and financial conditions described in this quarterly report, nor any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes or new developments regarding the risk of the capital adequacy ratio falling below the required level. - FY2017-Q1RestatedAnnual report
「During the first quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes or new developments regarding capital adequacy ratio risk since the previous year's securities report. - FY2016First statedAnnual report
「If the bank’s capital adequacy ratio falls below the required level, the Commissioner of the Financial Services Agency may issue various orders, including orders to suspend all or part of the bank’s operations. The capital adequacy ratio may be affected by declines in the value of securities portfolios, including equities, increases in credit-related expenses resulting from higher non-performing loans, and changes to capital adequacy standards or calculation methods.」
The bank disclosed consolidated and non-consolidated capital adequacy ratios of 12.77% and 12.31%, respectively, and explained the regulatory consequences of falling below the 4% domestic standard.