Kendall's motivation appeared to be the advantage a building society would bring to the district and he sought out other local dignitaries in support.

By the time of Arthur Smith's appointment in the early years of WWI the assets stood at £126,000 and this had risen to £273,000 in 1922.

In that time, the Society had made one small acquisition, the Barnoldswick & District Permanent in 1942; however, it had substantially increased it agencies.

[4] The Skipton gradually changed its emphasis from agencies to branches and, augmented by the acquisition of the Ribblesdale Permanent in 1966 and the Bury in 1974,[5] assets grew substantially.

In 1978, a five-storey extension to the rear of the High Street Head Office is built, to house over 200 staff.

The structure was simplified, subsidiaries were sold and the Skipton was now based on its core mortgage business with support from Connells.

[8][9] In 2008 Goodfellow received £781,000 as compensation for loss of office: Skipton waived any early retirement discount factors applicable to his benefits in the scheme, enabling him to access his £2.3 million pension pot from 10 January 2010 with no penalty.

[12] Skipton reneged on its promise to keep the SVR tracker no more than 3% per annum above base rate, citing an "exceptional circumstances" clause in their agreement, potentially putting thousands of borrowers out of pocket.

[14] Skipton suffered a serious breach of data security in 2009 when over 3,000 savers received financial details of other customers.

This followed an Information Commissioner's Office finding, in 2008, that Skipton was in breach of the Data Protection Act, following the theft of an unencrypted laptop left by a third party contractor at a gym.

The unprotected information lost included names, dates of birth, National Insurance numbers and investment amounts of 14,000 customers.