For the fiscal year ending December 2025, ordinary income was 39 billion yen (YoY +4.8 billion yen), ordinary profit was 8.2 billion yen (YoY +3 billion yen), and quarterly net income was 7 billion yen (YoY +3.3 billion yen), with progress toward the full-year earnings guidance approximately between 77% and 91%.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"8550","jir_company_name":"Tochigi Bank, 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\/8550-20260130-02.pdf","jir_short_summary":"For the fiscal year ending December 2025, ordinary income was 39 billion yen (YoY +4.8 billion yen), ordinary profit was 8.2 billion yen (YoY +3 billion yen), and quarterly net income was 7 billion yen (YoY +3.3 billion yen), with progress toward the full-year earnings guidance approximately between 77% and 91%.","jir_summary":"### Overview of Performance\nFor the fiscal year ending December 2025, consolidated ordinary income was 39 billion yen (13.9% YoY increase), ordinary profit was 8.2 billion yen (58.9% YoY increase), and quarterly net income attributable to owners of the parent was 7 billion yen (86.4% YoY increase). These results were driven by increased fund income and reduced losses on securities sales. The consolidated capital adequacy ratio was stable at 10.11% compared to the previous year. On a standalone basis, deposit balances rose to 3.2137 trillion yen (YoY +92.6 billion yen), loan balances increased to 2.4659 trillion yen (YoY +273.1 billion yen), and securities balances grew to 432.7 billion yen (YoY +56.4 billion yen).\n\n### Trend and Soundness of Fund Income\nFund income reached 26.4 billion yen (32.9% YoY increase), primarily due to higher interest income from loans and deposits. Although expenses increased, they were offset by the rise in ordinary profit. Deposits grew across both individual and corporate clients, with 81.0% of customers based within Tochigi Prefecture. The non-performing loan ratio improved, declining by 0.14 points to 1.98%, indicating enhanced financial soundness.","jir_financial_highlights":"Ordinary Income: 39 billion yen (YoY +4.8 billion yen (13.9% increase))\nOperating Income: 8.2 billion yen (YoY +3 billion yen (58.9% increase))\nQuarterly Net Income Attributable to Owners of Parent: 7 billion yen (YoY +3.3 billion yen (86.4% increase))\nConsolidated Capital Adequacy Ratio: 10.11% (YoY +0.01%)\nDeposit Balance (Standalone): 3.2137 trillion yen (YoY +92.6 billion yen)\nLoan Balance (Standalone): 2.4659 trillion yen (YoY +273.1 billion yen)\nSecurities Balance (Standalone): 432.7 billion yen (YoY +56.4 billion yen)\nOther Securities Valuation Gains\/Losses (Standalone): \u25b34.2 billion yen (YoY +3.9 billion yen)","jir_category":"","jir_hashtags":"#TochigiBank, #FinancialResultsPresentation, #JapaneseStocks","jir_key_figures":"Ordinary Income: 39 billion yen (YoY +4.8 billion yen, 13.9% increase)\nOperating Income: 8.2 billion yen (YoY +3 billion yen, 58.9% increase)\nQuarterly Net Income Attributable to Owners of Parent: 7 billion yen (YoY +3.3 billion yen, 86.4% increase)","jir_meta_title":"Tochigi Bank FY2026 Q3 Financial Results: Ordinary Income of 8.2 Billion Yen, Up 58.9% YoY","jir_meta_description":"Tochigi Bank's FY2026 Q3 financial results presentation. Ordinary income at 39 billion yen, operating income 8.2 billion yen, and quarterly net income of 7 billion yen with revenue and profit growth. Deposit and loan balances increased, with improved financial soundness.","jir_og_title":"Tochigi Bank Q3 Financial Results Announcement: Operating Income Up 58.9%","jir_og_description":"In the FY2026 Q3 financial results, ordinary income reached 8.2 billion yen and net income was 7 billion yen, marking significant YoY increases. Growth in fund income and improved securities valuation contributed.","jir_og_image_url":"\/assets\/og\/company-financial_summary.jpg","jir_chart_data_collection":"[{\"jir_chart_id\": \"revenue_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Trend of Ordinary Income\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY2022 Dec\\\",\\\"FY2023 Dec\\\",\\\"FY2024 Dec\\\",\\\"FY2025 Dec\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Income (100 million yen)\\\",\\\"data\\\":[342,342,342,390],\\\"backgroundColor\\\":\\\"#4caf50\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"operating_profit_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Trend of Operating Income\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY2022 Dec\\\",\\\"FY2023 Dec\\\",\\\"FY2024 Dec\\\",\\\"FY2025 Dec\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Operating Income (100 million yen)\\\",\\\"data\\\":[52,52,52,82],\\\"backgroundColor\\\":\\\"#2196f3\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"net_profit_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Trend of Quarterly Net Income Attributable to Owners of Parent\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"FY2022 Dec\\\",\\\"FY2023 Dec\\\",\\\"FY2024 Dec\\\",\\\"FY2025 Dec\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Quarterly Net Income (100 million yen)\\\",\\\"data\\\":[37,37,37,70],\\\"backgroundColor\\\":\\\"#ff9800\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"deposit_balance_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Trend of Deposit Balances (Standalone)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"End Dec 2024\\\",\\\"End Mar 2025\\\",\\\"End Dec 2025\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Total Deposits (100 million yen)\\\",\\\"data\\\":[32016,31211,32137],\\\"backgroundColor\\\":\\\"#4caf50\\\"},{\\\"label\\\":\\\"Individual (100 million yen)\\\",\\\"data\\\":[25560,25228,25611],\\\"backgroundColor\\\":\\\"#ffeb3b\\\"},{\\\"label\\\":\\\"Corporate (100 million yen)\\\",\\\"data\\\":[6144,5757,6239],\\\"backgroundColor\\\":\\\"#ff5722\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"loan_balance_trend\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Trend of Loan Balances (Standalone)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"End Dec 2024\\\",\\\"End Mar 2025\\\",\\\"End Dec 2025\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Loan Balance (100 million yen)\\\",\\\"data\\\":[21181,21928,24659],\\\"backgroundColor\\\":\\\"#3f51b5\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}]","ir_related_company":16742,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-22401","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n