Charity Bank reports record lending and strong financial performance in 2025

Charity Bank has reported another year of record lending and continued growth in its audited results for the year ended 31 December 2025, reinforcing its role as a leading provider of values-driven finance to charities, social enterprises and impact-led organisations across the UK.

In 2025, Charity Bank approved a record £96.6 million in new loans, up from £86.0 million in 2024 and £68.7 million in 2023, demonstrating sustained growth in demand for mission-aligned finance. Over the past decade, Charity Bank has expanded its lending portfolio by more than 500%, reflecting both rising need across the social sector and its proven ability to deliver at scale.

Supporting a sector under increasing pressure

These results come at a time when charities and social enterprises face growing demand, constrained funding and rising operating costs. Charity Bank plays a critical role in addressing this structural capital gap, providing patient, flexible finance to impact-led organisations including those underserved by mainstream lenders.

During 2025, Charity Bank supported hundreds of organisations across key impact areas including housing, health and wellbeing, community regeneration, youth services and environmental sustainability.

A significant proportion of lending reached organisations and communities facing the greatest barriers to finance:

• 46% of loan approvals by value were to organisations operating in the bottom 30% of the Index of Multiple Deprivation
• 36% of loan approvals by value were to diverse-led organisations
• 26% of loan approvals by volume were to organisations new to borrowing or only previously funded by Charity Bank
• 17% of loan approvals by volume were to organisations declined or considered unlikely to receive mainstream finance
• 27% of loan approvals by value supported environmental causes or projects that would lead to major sustainability improvements.

Strong and sustainable financial performance

Charity Bank delivered a robust financial performance in 2025, strengthening its balance sheet and supporting its capacity for future growth:

• Loan book: £365 million
• Deposit book: £420 million
• Net profit: £2.8 million

The majority of profits are reinvested to support Charity Bank’s social mission, strengthening its capital base and enabling further lending to charities and social enterprises across the UK.

Positioned for the next phase of growth

The 2025 results mark an important milestone as Charity Bank begins delivery of its 2026-2030 strategy, setting out an ambitious plan to scale both financial performance and impact.

The strategy includes:

• Over £1 billion cumulatively lent for social and environmental impact

• A capital campaign inviting charities, trusts and social purpose organisations to become shareholders, joining a coalition of over 30 sector partners shaping the future of social finance

• Continued leadership in impact transparency and responsible banking

Ed Siegel, Chief Executive of Charity Bank, said:

“2025 has been a year of strong progress for Charity Bank, with record lending and continued growth across our balance sheet. At a time when many charities and social enterprises are under significant pressure, access to the right kind of finance has never been more important.

Our results reflect the strength of our model, the trust placed in us by our depositors and investors, and the dedication of our team. We remain focused on growing our impact, supporting organisations that might otherwise be overlooked, and demonstrating that banking can be a force for good.”

View the full report here.