Chester Centurions Podcast with Oxbury Bank

Nick Evans | From Train Conversation to £1B Bank: The Oxbury Story In this episode, Alan Bark speaks with Nick Evans, co-founder and CEO of Oxbury Bank—the UK’s first and only dedicated bank for the food and farming sector, headquartered in Chester. What began as an idea between two founders on a train has grown into a billion-pound challenger bank with over 250 employees, serving farmers and agribusinesses across the UK. Nick shares the remarkable journey behind Oxbury’s rise—from navigating regulation and tech development to building a culture that genuinely puts the customer first. You’ll hear: • Why UK farmers needed a different kind of bank • The importance of a razor-sharp niche and deep sector focus • Lessons in scale, regulation, and growing a bank from scratch • How culture and clarity helped build trust with both regulators and customers • The future of agricultural finance and why it matters more than ever This is a must-listen for anyone interested in fintech, purpose-driven business, or how a regional business can have a national (and lasting) impact.