The bank is financially sound, and it maintains one of the highest capital-to-asset ratios and credit ratings among regional banks, because the bank's stock portfolio includes a significant number of stocks in renowned local companies known as "Kyoto brands," which maintain substantial appraisal profits, and it has been doing prudent business since before the "bubble" economy.
「京都銘柄」と称される京都企業の株式を多数保有し評価損益を多く抱えていること、バブル経済期にも比較的堅実な経営を続けていたことから、財務体質は良好で自己資本比率・信用格付けとも地方銀行の中で高水準にある。