Shibata Shinkin Bank

Shibata Shinkin Bank is a cooperative regional financial institution based in Shibata City, Niigata Prefecture, Japan. As a shinkin bank, it operates under the fundamental principle of mutual assistance among members, primarily serving small and medium-sized enterprises and local residents in the Shibata and Niigata regions. Shinkin banks are distinct from commercial banks in that they are non-profit cooperatives rather than stock companies, dedicated to returning funds raised in the community back to the community.

The bank operates 8 branches across Niigata Prefecture, with 5 branches in Shibata City and 3 branches in Niigata City. As of 2018, Shibata Shinkin Bank maintained a strong capital adequacy ratio of 17.55%.