In our annual results for 2025, client deposits surpassed £1 billion for the first time, lending grew by over 9%, and the bank reached almost 6,500 clients.
Total deposits increased by 13% year-on-year to £1.12 billion (2024: £991m), breaking through the £1 billion milestone for the first time.
Total lending grew by over 9% year-on-year to £640 million (2024: £586m), reflecting continued strong demand from clients.
Total income rose to £31.5 million from £30.3 million in 2024. Profit before tax was £7 million, slightly below £8.2 million in the prior year, reflecting organisational change, strategic investment, and earlier than forecast falls in Bank of England base rates. Adjusting for these factors, 2025 profitability would have surpassed that of 2024.
Having paid its first full dividend in 2025, the bank has proposed a 5% increase for the 2026 payment.
The bank grew its client base by over 7% during the year to almost 6,500, with a retention rate of over 99%. In 2025, Hampden Bank achieved a Net Promoter Score of 79, one of the highest recorded across the UK private banking sector.
The bank marked its 10th anniversary in 2025, launched a new North and Midlands base in Manchester, and relocated to new offices in Edinburgh and London. Chief Operating Officer Angela Dowd and Chief Banking Officer Greig Townsend joined the executive team during the second half of the year.
Tracey Davidson, CEO, Hampden Bank
“In a market increasingly shaped by commoditisation and digitisation, we continue to believe in the value of a personal relationship-led approach to private banking, one where technology enhances rather than replaces the human experience. Our new team covering the North and Midlands demonstrates our belief that clients value connecting in person, and this new base enables us to expand the Bank outside our existing locations of Scotland and the South of England.”