For the third quarter of the fiscal year ending March 2026, ordinary income was 39.07 billion yen (13.9% YoY increase), ordinary profit was 8.267 billion yen (58.9% YoY increase), and net income attributable to owners of parent for the quarter was 7.061 billion yen (86.4% YoY 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Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-01-30","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/01\/8550-20260130-01.pdf","jir_short_summary":"For the third quarter of the fiscal year ending March 2026, ordinary income was 39.07 billion yen (13.9% YoY increase), ordinary profit was 8.267 billion yen (58.9% YoY increase), and net income attributable to owners of parent for the quarter was 7.061 billion yen (86.4% YoY increase).","jir_summary":"### Overview of Business Performance\nFor the cumulative consolidated third quarter period of the fiscal year ending March 2026 (April 1, 2025 to December 31, 2025), ordinary income was 39.07 billion yen, a 13.9% increase year-over-year. Due to increases in interest income on loans and deposits as well as revenues from service transactions, ordinary profit was 8.267 billion yen (58.9% YoY), and net income attributable to owners of parent for the quarter was 7.061 billion yen (86.4% YoY). By segment, the banking segment recorded ordinary income of 34.634 billion yen and segment profit of 7.625 billion yen, both increasing compared to the same period last year.\n\n### Summary of Financial Condition and Future Outlook\nTotal assets increased to 3.640195 trillion yen and net assets rose to 160.47 billion yen compared to the end of the previous fiscal year. The equity ratio stood at 4.4%, remaining nearly flat year-over-year. The full-year earnings guidance for fiscal year ending March 2026 forecasts ordinary income of 50.5 billion yen (12.0% YoY increase), ordinary profit of 9.1 billion yen, and net income attributable to owners of parent of 7.8 billion yen, with the progress through the third quarter considered favorable. The dividend forecast remains unchanged at 24 yen per share annually.","jir_financial_highlights":"Ordinary Income: 39.07 billion yen (13.9% YoY increase)\nOrdinary Profit: 8.267 billion yen (58.9% YoY increase)\nNet Income Attributable to Owners of Parent for the Quarter: 7.061 billion yen (86.4% YoY increase)\nTotal Assets: 3.640195 trillion yen (Increase from the end of the previous fiscal year)\nNet Assets: 160.47 billion yen (Increase from the end of the previous fiscal year)\nEquity Ratio: 4.4% (Decrease YoY)\nQuarterly Net Income per Share: 67.94 yen (Unknown)\nAnnual Dividend (Forecast): 24.00 yen (Unknown)\nFiscal Year Ending March 2026 Full-Year Earnings Guidance: Ordinary Income: 50.5 billion yen (12.0% YoY increase)\nFiscal Year Ending March 2026 Full-Year Earnings Guidance: Ordinary Profit: 9.1 billion yen (Unknown)\nFiscal Year Ending March 2026 Full-Year Earnings Guidance: Net Income Attributable to Owners of Parent: 7.8 billion yen (Unknown)","jir_category":"","jir_hashtags":"#TochigiBankLtd, #FinancialSummary, #JapaneseStocks","jir_key_figures":"Ordinary Income: 39.07 billion yen (13.9% YoY increase)\nOrdinary Profit: 8.267 billion yen (58.9% YoY increase)\nNet Income Attributable to Owners of Parent for the Quarter: 7.061 billion yen (86.4% YoY increase)","jir_meta_title":"Tochigi Bank, Ltd. Financial Summary for Third Quarter of Fiscal Year Ending March 2026 Ordinary Profit up 58.9% to 8.267 Billion Yen","jir_meta_description":"Tochigi Bank, Ltd. announces its Financial Summary for the third quarter of fiscal year ending March 2026: ordinary income of 39.07 billion yen (13.9% YoY increase), ordinary profit of 8.267 billion yen (58.9% increase), and quarterly net income of 7.061 billion yen (86.4% increase). Full-year earnings guidance remains solid.","jir_og_title":"Tochigi Bank, Ltd. Third Quarter Fiscal 2026 Earnings Flash Report","jir_og_description":"Ordinary profit for the third quarter of fiscal year ending March 2026 increased 58.9% YoY to 8.267 billion yen. 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