Financial Profile
A financially strong bank with a social purpose
Our financial strength underpins everything we do. By maintaining a robust balance sheet, strong capital position and prudent approach to risk, we ensure we can support customers over the long term while continuing to deliver positive social impact.
Our approach reflects our double bottom line, balancing financial sustainability with our commitment to responsible banking. By combining financial strength with a clear social purpose, we are able to grow our lending to organisations that benefit communities, the economy and the environment.
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Financial highlights from 2025
The Bank continued to finance socially driven organisations across the UK, with total lending rising to £1.1bn (2024: £1.0bn). Deposits increased to £1.9bn (2024: £1.8bn), strengthening our capacity to help organisations deliver meaningful impact in their local communities.
£40.8m
Profit after tax
(2024: £50.5m)
16.8%
Post-tax return on shareholders’ equity
(2024: 25.6%)
24.3%
Year end Common Equity Tier 1 (CET1) ratio
(2024: 24.1%)
226%
Liquidity Coverage Ratio (LCR)
(2024: 228%)
Annual Reports and Accounts
In 2025, 53.7% of our lending reached areas facing high deprivation, and we supported more than 11,000 customers. This growth strengthened our ability to deliver meaningful impact in the UK communities that need it most.
For detailed information about our financial performance, please explore our latest financial reports and disclosures:
| Report & Accounts | Pillar 3 Disclosures | Impact Reports |
Our impact
We use customer deposits to fund lending that supports organisations creating positive social, economic and environmental impact across the UK. Our lending focuses on sectors that strengthen communities support inclusive growth and help build a more sustainable economy.
Highlights from 2025
1,015
people at risk of homelessness
were supported
43.2%
of lending directed to organisations serving disadvantaged communities
736 homes
and 21 communal spaces supported to decarbonise
87%
of our customers were ‘satisfied’ or ‘extremely satisfied’ with our services
Taxation transparency
As a socially responsible bank, we are committed to transparency in every aspect of our work – including how we approach taxation.
Responsible and well governed banking
We operate within a robust governance and regulatory framework to ensure transparency, accountability and responsible banking practices. Our approach to risk management, compliance and oversight helps protect customers, shareholders and the wider financial system.
Corporate Governance
Meet the Board
Legal & Regulatory
It’s simple, secure and stress-free to switch to us
If you’re ready to switch your Business Current Account to Unity Trust Bank, we’ll make sure it happens like clockwork. The account switch process is guaranteed to take 7 working days or less, and it’s all taken care of by the Current Account Switch Service.