The lender provides loans to SMEs and property professionals and said its performance last year reflected its support for its clients and the demand for finance.
Its total loans and advances rose by a fifth to nearly £1.5bn, with its real estate finance, asset finance and classic vintage and sports car divisions reporting double-digit growth.
Cambridge and Counties Bank reported a 15% growth in real estate finance balances to £1.21bn.
The bank owed its performance to its relationship with commercial finance brokers, reporting a 31% annual rise in the number of active brokers transacting with the bank.
It delivered a pre-tax profit of £39.7m, up from £35.8m the year before.
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Donald Kerr, CEO of Cambridge and Counties Bank, said: “2025 was a strongly positive, pivotal year for the bank, delivering a substantial level of support for our customers while growing our own teams and trusted networks of finance brokers.
“We enter 2026 with a higher quality capital base and strong liquidity ratios, and deeply committed to our stated, long-term strategic purpose as the ‘specialist SME bank of choice’.”
Rich Hanrahan, CFO at Cambridge and Counties Bank, added: “Our performance in 2025 was driven by strong asset growth, disciplined cost control and continued investment into the business. One of our many achievements was delivering a historically low cost of risk.
“This contributed to our strong funding and capital base which in turn fuelled our high lending growth. We enter 2026 from a position of strength with a continued appetite to do even more business with SMEs and property investors.”
