SECURE TRUST BANK PUBLIC LIMITED COMPANY
Get an alert when SECURE TRUST BANK PUBLIC LIMITED COMPANY files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
—
Latest balance sheet
Net assets
£432M
+19.7% highest in 3 filed years
Employees
860
-6% lowest in 3 filed years
Profit before tax
£28M
-53.7% lowest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £104,000,000 | £111,400,000 | +7.1% | |
| Fee & commission income | — | £18,000,000 | £14,100,000 | -21.7% | |
| Operating income | — | £203,900,000 | £165,200,000 | -19% | |
| Impairment losses | — | £6,600,000 | £3,700,000 | -43.9% | |
| Profit before tax | £36,100,000 | £59,400,000 | £27,500,000 | -53.7% | |
| Net profit | — | £43,400,000 | — | — | |
| Loans & advances to customers | — | £3,050,200,000 | £3,295,800,000 | +8.1% | |
| Customer deposits | — | £3,244,900,000 | £3,509,600,000 | +8.2% | |
| Total assets | £3,778,000,000 | £4,116,700,000 | £4,316,000,000 | +4.8% | |
| Total liabilities | — | £3,755,200,000 | £3,941,700,000 | +5% | |
| Equity | £356,300,000 | £431,500,000 | £431,600,000 | 0% | |
| Average employees | 874 | 915 | 860 | -6% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 90.6% | 91.2% | — | |
| Interest cover | 0.07x | 0.24x | — |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Group’s and Parent Company’s ability to continue to adopt the going concern basis of accounting.”
Group structure
- SECURE TRUST BANK PUBLIC LIMITED COMPANY · parent
- AppToPay Ltd
- Debt Managers (Services) Limited
- Secure Homes Limited
- STB Leasing Limited
- STB UK Limited
- V12 Leasing Limited
- STB Commercial Finance Plc
- V12 Retail Finance Limited
Significant events
- “Ceased lending in the Vehicle Finance portfolio in July 2025 and completed the sale of the Consumer Vehicle Finance business in February 2026.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 41 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DANIELS, Lisa Jane | Secretary | 2024-03-12 | — | — |
| BROWN, James Alexander | Director | 2024-03-31 | Oct 1960 | New Zealander |
| COLSELL, Steve | Director | 2025-06-12 | Jul 1964 | British |
| CORFIELD, Ian | Director | 2025-09-08 | Nov 1971 | British |
| HOPES, Julie | Director | 2024-10-24 | Jan 1968 | British |
| LAWRENCE, Rachel Michelle | Director | 2020-09-23 | Mar 1970 | British |
| MITCHELL, Victoria Grant | Director | 2023-11-01 | Jan 1965 | British |
| MYERS, Paul Christopher | Director | 2018-11-28 | Mar 1964 | British |
| WILLIAMSON, Finlay Ferguson | Director | 2021-06-30 | Apr 1959 | British |
Show 41 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| KARTER, Alan Jonathan | Secretary | 2014-08-31 | 2019-07-17 |
| KAYE, Jeremy Robin | Secretary | 1991-09-17 | 2014-08-31 |
| MAYO, Charles John | Secretary | 2024-02-09 | 2024-03-12 |
| MOSS, Michael Charles | Secretary | — | 1991-09-17 |
| STEVENS, Mark Philip David | Secretary | 2019-07-17 | 2024-02-09 |
| ANGEST, Henry, Sir | Director | — | 2018-08-08 |
| ANTHONY, David Gwilym | Director | 2007-02-22 | 2010-03-22 |
| BERRESFORD, Dorothy Ann | Director | 2016-11-22 | 2025-12-30 |
| BUTCHER, John Patrick | Director | 2000-11-15 | 2004-12-31 |
| COBB, James Robert | Director | 2008-11-01 | 2011-09-08 |
| DAUNCEY, Robert Oliver | Director | 1993-09-16 | 2000-12-31 |
| DEAKIN, Keith Nicholas Francis | Director | 1992-07-01 | 2007-02-05 |
| FIELDEN, Nicholas Mark | Director | 2007-01-02 | 2011-06-03 |
| FIELDING, Patricia Gwendoline | Director | 1992-07-01 | 2001-04-06 |
| FORSYTH, Michael Bruce, The Rt Hon Lord | Director | 2014-03-01 | 2024-05-16 |
| FULLER, Mark Anthony | Director | 2006-12-07 | 2008-01-31 |
| GILES, Andrew James Victor | Director | 1999-03-01 | 2000-02-25 |
| HAYES, Kevin Anthony | Director | 2011-06-17 | 2011-09-09 |
| JENNISON, Gary Antony | Director | 2006-09-25 | 2010-05-10 |
| KAPUR, Neeraj | Director | 2011-05-31 | 2019-12-06 |
| LOCKLEY, Stephen John | Director | 1994-06-20 | 2006-09-30 |
| LYNAM, Paul Anthony | Director | 2010-09-13 | 2021-01-05 |
| MARROW, Paul | Director | 2011-03-03 | 2020-06-24 |
| MCCREADIE, David Andrew | Director | 2019-12-17 | 2025-09-08 |
| MIDDLETON, Ronald | Director | 1992-07-01 | 2002-02-14 |
| MOSS, Michael Charles | Director | — | 1992-06-30 |
| NEVILLE-ROLFE, Lucy Jeanne, Baroness | Director | 2018-11-28 | 2022-09-21 |
| NIELD, David Robert | Director | 2010-05-20 | 2011-09-09 |
| OMALLEY, Thomas Anthony | Director | 1994-04-21 | 1995-11-07 |
| PASTON, Ronald | Director | — | 2002-06-30 |
| PEARSON, Derek | Director | 1992-07-01 | 2007-02-05 |
| PEARSON, Edward | Director | 1996-09-12 | 2004-01-18 |
| PROCTOR, Dean Michael | Director | 2010-11-25 | 2011-09-16 |
| SALMON, Andrew Alfred | Director | 2003-07-08 | 2018-08-08 |
| SERGEANT, Carol Frances | Director | 2011-09-08 | 2015-12-31 |
| SHERIFF, Paul Nigel | Director | 2006-09-21 | 2008-10-31 |
| SHIPLEY, John Waterhouse | Director | 1992-07-01 | 2007-04-30 |
| STEWART, Victoria Katharine | Director | 2016-11-22 | 2024-12-31 |
| TURRELL, Atholl Denis, Dr | Director | 2010-02-25 | 2011-09-08 |
| WICKHAM, Robert Joseph Johnstone | Director | 1998-01-05 | 2011-09-07 |
| WOODLEY, Owen Pearson | Director | 2007-01-02 | 2010-11-01 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 313 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-29 | AA | accounts | Accounts with accounts type group | |
| 2026-05-22 | SH01 | capital | Capital allotment shares | |
| 2026-04-21 | SH01 | capital | Capital allotment shares | |
| 2026-03-30 | CH01 | officers | Change person director company with change date | |
| 2026-03-23 | SH01 | capital | Capital allotment shares | |
| 2026-02-19 | SH01 | capital | Capital allotment shares | |
| 2026-01-30 | SH01 | capital | Capital allotment shares | |
| 2026-01-27 | CH01 | officers | Change person director company with change date | |
| 2026-01-15 | AD02 | address | Change sail address company with old address new address | |
| 2026-01-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-18 | SH01 | capital | Capital allotment shares | |
| 2025-12-05 | ANNOTATION | miscellaneous | Legacy | |
| 2025-11-13 | SH01 | capital | Capital allotment shares | |
| 2025-10-31 | CH01 | officers | Change person director company with change date | |
| 2025-09-09 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-01 | SH01 | capital | Capital allotment shares | |
| 2025-06-23 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-05 | AA | accounts | Accounts with accounts type group |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 17
- Capital events
- 8
- Officers appointed
- 1
- Officers resigned
- 2
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.