Member FDIC. Equal Housing Lender.
Impact Report
The Impact of Beneficial Banking
Through banking, we seek to expand economic mobility, regenerate the planet, and drive systemic change. Our annual impact report shows how your money advanced that mission in 2025.
Why We Report Our Impact
As part of one of the most powerful global industries, we believe banks have a responsibility to lead with radical transparency. Measuring and reporting on our work helps us hold ourselves accountable for the alignment between what we say and what we do, and lets us share those results with our clients, employees, and partners. The data below highlights our 2025 impact.
“A civilization and an economy are inseparable; our model of beneficial banking seeks to reform and respect both.”
Kat Taylor, Co-Founder and Board Chair
Terra Neilson, Executive Vice President, Chief Impact Officer
In their 2025 Impact Report welcome letter
The Big Picture
When pooled together, your deposits become loans that benefit people, communities, and the environment.
Total deposits
Total outstanding loans
Of loans originated in 2025 benefitted people and the planet
Of our loan portfolio upheld our community development mandate*
* As a certified Community Development Financial Institution (CDFI), we are federally required to use our platform to actively invest in communities and do no harm.
2025 Mission Loans
The biggest way that banks impact our world is through their lending portfolios – growth happens where money gets funneled. 82% of our 2025 originated loans met our criteria for supporting people and the planet, what we call “mission loans.” The remaining loans are “impact neutral” and uphold our commitment to do no harm.
Impact on People
Banking can be an engine of opportunity for everyone. We work to build economic mobility for our clients, employees, and communities, especially those in low- to moderate-income areas.
Affordable Housing
Housing affordability is a critical issue. We consider housing a basic human right, and supporting this sector is a top priority for us. In 2025, over 50% of our originated commercial loans went to affordable housing development, preservation, and renovation.
Outstanding affordable housing loans
Affordable units financed in 2025
Active affordable housing units in our portfolio
Of total active loans support deed-restricted units*
*Deed-restriction requires the property to stay accessible to low- and moderate-income individuals in the future.
Nonprofits
Nonprofit organizations provide essential services to people, filling vital gaps in government services. We work as a stabilizing partner for nonprofits.
Nonprofit deposit accounts
In nonprofit lending
B Corporations
B Corps are businesses that meet high standards of social and environmental performance. As a certified B Corp ourselves, we proudly bank other B Corps nationwide.
B Corp deposit clients
In B Corp lending
Mission Auto Loans
Reliable transportation is foundational for workers and families, yet much of the used auto loan market is high-cost and extractive for borrowers. We offer a fair, high-road alternative that supports borrowers, including ITIN holders, who are newcomers to the United States and looking to build a U.S. credit history.
Average refinance rate reduction
Average monthly refinance savings
Impact on the Environment
Banks have an outsized impact on the environment. We pay close attention to our carbon emissions from two main routes: our internal operations and our lending portfolio. Next, we work to reduce those emissions and fund regenerative projects.
Environmental Lending
We lend to a variety of environmentally sustainable areas: natural resource management, renewable energy generation, sequestration, transportation, green buildings, and advocacy and service.
In renewable energy loans since 2007
Gas-powered vehicle emissions for one year avoided from our 2024 renewable energy loans
Impact on the Banking System
It’s not enough to be a good bank in a bad system. To help build a better banking system, we model strong internal practices with bold external leadership and advocacy.
Becoming a Better Bank
We iterate and improve our banking model to show that banks can successfully balance impact and profitability.
In total assets
Loan growth
Advocating for a Better Banking System
We use our voice across the industry to push for consumer protections, community reinvestment, and underserved communities.
Media stories advocating for a better banking system
Engagement & Agency
We value building strong community relationships and providing resources to help put economic power back into people’s hands.
Community Engagement
We give time, sponsorships, and education to help build stronger communities.
Employee volunteer hours
Nonprofit boards supported by our employees
Sponsorships for nonprofits
Hours of financial education delivered
Take action with your deposits.
Banks are powerful, but so are you. When pooled together, our deposits can finance affordable housing, renewable energy, and business cooperatives – a new, inclusive economy. Whether you are an individual or an organization, where you put your money matters.
