Komori
The Tochigi Bank (8550) · TargetAdvanced

Supporting SMEs and Revitalizing the Regional Economy

First written in FY2016. 27 of 36 entries say "Advanced", first in FY2017-Q2. Latest entry: 2026-09-14.

36entries
11years
4from disclosures
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How it moved
ProgressHeldSoftenedWorseAdvancedFY2017-Q2 – FY2019AdvancedFY2020-Q3 – FY2022-Q1AdvancedFY2025 – 2026-09-142016: 220162017: 220172018: 220182019: 320192020: 420202021: 320212022: 420222023: 320232024: 320242025: 220252026: 82026
Same theme, other companies
Regional Finance and Local Economic Revitalization Centered on Support for SMEsA theme 11 companies write about · 0 as a headwind · 12 as a tailwind

The whole theme swung hardest in 2018: 2 of 8 companies on the "Worse" side.

4 other companies' latest entry also says "Advanced".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Full recordFilings, disclosures and news, newest first
  1. FY2026AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, mid-sized and large companies, and local governments, among other factors, the balance of loans increased by ¥262.9 billion from the end of the previous consolidated fiscal year to ¥2,452.2 billion.」

    In addition to lending to individuals and SMEs, lending to mid-sized and large companies and local governments also increased, raising the loan balance by ¥262.9 billion from the end of the previous fiscal year to ¥2,452.2 billion.
  2. FY2026-H1AdvancedAnnual report

    「The balance of loans increased by ¥223.8 billion from the end of the previous fiscal year to ¥2,413.1 billion.」

    The loan balance increased by ¥223.8 billion from the end of the previous fiscal year to ¥2,413.1 billion, representing substantial expansion in regional lending.
  3. FY2025AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, as well as to mid-sized and large companies, among other factors, the balance of loans increased by ¥129.2 billion from the end of the previous consolidated fiscal year to ¥2,189.2 billion.」

    In addition to lending to individuals and SMEs, lending to mid-sized and large companies also increased, raising the loan balance by ¥129.2 billion from the end of the previous fiscal year to ¥2,189.2 billion.
  4. FY2025-H1Decrease in loan balanceAnnual report

    「The balance of loans decreased by ¥1.8 billion from the end of the previous consolidated fiscal year to ¥2,058.1 billion.」

    The balance of loans decreased by ¥1.8 billion from the end of the previous consolidated fiscal year to ¥2,058.1 billion.
  5. FY2024AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, among other factors, the balance of loans increased by ¥27.6 billion from the end of the previous consolidated fiscal year to ¥2,060.0 billion.」

    The increase in lending to individuals and SMEs raised the loan balance by ¥27.6 billion from the end of the previous fiscal year to ¥2,060.0 billion.
  6. FY2024-Q3AdvancedAnnual report

    「The balance of loans increased by ¥1.6 billion from the end of the previous consolidated fiscal year to ¥2,034.0 billion.」

    The loan balance turned upward from the decline recorded through the previous interim period, increasing by ¥1.6 billion from the end of the previous consolidated fiscal year to ¥2,034.0 billion.
  7. FY2024-Q2Continued decrease in loan balanceAnnual report

    「The balance of loans decreased by ¥35.1 billion from the end of the previous consolidated fiscal year to ¥1,997.1 billion.」

    The loan balance decreased by ¥35.1 billion from the end of the previous consolidated fiscal year, continuing the decline seen in the previous quarter.
  8. FY2024-Q1Decrease in loan balanceAnnual report

    「The balance of loans decreased by ¥42.2 billion from the end of the previous consolidated fiscal year to ¥1,990.1 billion.」

    The loan balance decreased by ¥42.2 billion from the end of the previous consolidated fiscal year to ¥1,990.1 billion, indicating a decline in regional lending balances from the previous year-end.
  9. FY2023-Q3AdvancedAnnual report

    「The balance of loans increased by ¥110.1 billion from the end of the previous consolidated fiscal year to ¥2,064.8 billion.」

    The loan balance increased by ¥110.1 billion from the end of the previous consolidated fiscal year, providing a quantitative indication of expanded regional lending.
  10. FY2023-Q2AdvancedAnnual report

    「The balance of loans increased by ¥66.2 billion from the end of the previous consolidated fiscal year to ¥2,020.9 billion.」

    The loan balance increased by ¥66.2 billion from the end of the previous consolidated fiscal year, exceeding ¥2 trillion.
  11. FY2023-Q1AdvancedAnnual report

    「The balance of loans increased by ¥33.7 billion from the end of the previous consolidated fiscal year to ¥1,988.5 billion.」

    The loan balance increased by ¥33.7 billion from the end of the previous consolidated fiscal year to ¥1,988.5 billion.
  12. FY2022Decrease in loan balanceAnnual report

    「The balance of loans decreased by ¥7.1 billion from the end of the previous fiscal year to ¥1,954.7 billion.」

    The loan balance decreased by ¥7.1 billion from the end of the previous fiscal year to ¥1,954.7 billion.
  13. FY2022-Q3Decrease in loan balanceAnnual report

    「The balance of loans decreased by ¥31.6 billion from the end of the previous consolidated fiscal year to ¥1,930.2 billion.」

    The loan balance decreased by ¥31.6 billion from the end of the previous consolidated fiscal year to ¥1,930.2 billion, widening the decline from the ¥14.6 billion decrease in the previous quarter.
  14. FY2022-Q2Decrease in loan balanceAnnual report

    「The balance of loans decreased by ¥14.6 billion from the end of the previous consolidated fiscal year to ¥1,947.2 billion.」

    The loan balance decreased by ¥14.6 billion from the end of the previous consolidated fiscal year to ¥1,947.2 billion.
  15. FY2022-Q1AdvancedAnnual report

    「The balance of loans increased by ¥17.8 billion from the end of the previous consolidated fiscal year to ¥1,979.7 billion.」

    The loan balance increased by ¥17.8 billion from the end of the previous consolidated fiscal year to ¥1,979.7 billion, providing a quantitative indication of expanded regional lending.
  16. FY2021-Q3AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, among other factors, the balance of loans increased by ¥31.7 billion from the end of the previous consolidated fiscal year to ¥1,979.8 billion.」

    The increase in lending to individuals and SMEs raised the loan balance by ¥31.7 billion from the end of the previous consolidated fiscal year to ¥1,979.8 billion.
  17. FY2021-Q2AdvancedAnnual report

    「The balance of loans increased by ¥30.5 billion from the end of the previous consolidated fiscal year to ¥1,978.7 billion, driven by an increase in lending to individuals and SMEs, among other factors.」

    The increase in lending to individuals and SMEs raised the loan balance by ¥30.5 billion from the end of the previous consolidated fiscal year to ¥1,978.7 billion.
  18. FY2021-Q1AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, among other factors, the balance of loans increased by ¥26.6 billion from the end of the previous consolidated fiscal year to ¥1,974.8 billion.」

    The increase in lending to individuals and SMEs raised the loan balance by ¥26.6 billion from the end of the previous consolidated fiscal year to ¥1,974.8 billion.
  19. FY2020AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, among other factors, the balance of loans increased by ¥22.7 billion from the end of the previous consolidated fiscal year to ¥1,948.1 billion.」

    The increase in lending to individuals and SMEs raised the loan balance by ¥22.7 billion from the end of the previous fiscal year to ¥1,948.1 billion.
  20. FY2020-Q3AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, among other factors, the balance of loans increased by ¥36.1 billion from the end of the previous consolidated fiscal year to ¥1,961.6 billion.」

    The increase in lending to individuals and SMEs raised the loan balance by ¥36.1 billion from the end of the previous consolidated fiscal year to ¥1,961.6 billion.
  21. FY2020-Q2Decrease in loan balanceAnnual report

    「The balance of loans decreased by ¥3.1 billion from the end of the previous consolidated fiscal year to ¥1,922.2 billion.」

    The loan balance decreased by ¥3.1 billion from the end of the previous consolidated fiscal year, extending the decline from the previous year-end.
  22. FY2020-Q1Decrease in loan balanceAnnual report

    「The balance of loans decreased by ¥11.9 billion from the end of the previous consolidated fiscal year to ¥1,913.4 billion.」

    The loan balance decreased by ¥11.9 billion from the end of the previous consolidated fiscal year, marking a temporary decline after the previous upward trend.
  23. FY2019AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, among other factors, the balance of loans increased by ¥37.5 billion from the end of the previous consolidated fiscal year to ¥1,925.4 billion.」

    The increase in lending to individuals and SMEs raised the loan balance by ¥37.5 billion from the end of the previous fiscal year to ¥1,925.4 billion.
  24. FY2019-Q2AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, among other factors, the balance of loans increased by ¥11.9 billion from the end of the previous consolidated fiscal year to ¥1,899.8 billion.」

    The increase in lending to individuals and SMEs raised the loan balance by ¥11.9 billion from the end of the previous consolidated fiscal year, indicating expanded regional lending.
  25. FY2018AdvancedAnnual report

    「The balance of loans increased by ¥13.0 billion from the end of the previous consolidated fiscal year to ¥1,887.8 billion.」

    The loan balance increased by ¥13.0 billion from the end of the previous fiscal year, demonstrating the expansion of regional lending on a full-year basis.
  26. FY2017AdvancedAnnual report

    「The balance of loans at period-end increased by ¥32.5 billion from the end of the previous consolidated fiscal year to ¥1,874.8 billion, driven by an increase in lending to individuals and SMEs, among other factors.」

    The increase in lending to individuals and SMEs raised the loan balance by ¥32.5 billion from the end of the previous fiscal year, demonstrating the expansion of regional lending on a full-year basis.
  27. FY2017-Q3AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, among other factors, the balance of loans increased by ¥25.8 billion from the end of the previous consolidated fiscal year to ¥1,868.0 billion.」

    Lending to individuals and SMEs increased the loan balance by ¥25.8 billion from the end of the previous consolidated fiscal year, providing an additional quantitative indication of expanded regional lending.
  28. FY2017-Q2AdvancedAnnual report

    「Driven by an increase in lending to individuals and SMEs, among other factors, the balance of loans increased by ¥23.7 billion from the end of the previous consolidated fiscal year to ¥1,865.9 billion.」

    The increase in the loan balance, including lending to SMEs, demonstrates concrete progress in financing as a regional financial institution.
  29. FY2016First statedAnnual report

    「As a regional financial institution, strengthening initiatives for regional revitalization, including the smooth provision of funds to SMEs and small businesses and support for the creation and development of industries, is an important priority.」

    The Bank explicitly identifies its mission as a regional financial institution: providing funds, supporting the creation and development of industries, and promoting regional revitalization.
Moved together

"Expanding the Lending Platform Through a Thoroughgoing Retail Strategy" moved the same way as this thread, in the same document, in 24 of its 36 moves.

241313987★123456
  1. ★This thread
  2. 1Expanding the Lending Platform Through a Thoroughgoing Retail Strategy24×
  3. 2Increase in fees and commissions income13×
  4. 3Strengthening the Earnings Base Through Lending, Deposits and Fee-Based Businesses13×
  5. 4Improving Services Through Branch and IT Investment9×
  6. 5Long-Term Incentives Through Stock-Based Stock Options8×
  7. 6Market Risk from Interest Rate, Price and Foreign Exchange Fluctuations7×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
The Tochigi Bank's next results are scheduled for 2026-11-06. Read the earnings preview It last moved in the Earnings presentation of 2026-07-30: "Advanced".