Challenger banks
August 2025
6th in cohort
Oxbury Bank
August 2025 debenture analysis for Oxbury Bank. Challenger banks cohort, ranked 6th.
August 2025 Debenture Activity
Year-over-year comparison of debenture registrations for August 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 8 | 9 | 10 | 21 | +52% |
Borrower Profile
Average borrower characteristics compared to cohort for August 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oxbury Bank | 14.9 | £2.0m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Agriculture | 16 |
| Utilities | 2 |
| Wholesale trade | 1 |
| Unknown | 1 |
| Real estate | 1 |
Top Regions
| Region | Count |
|---|---|
| East of England | 5 |
| Wales | 4 |
| Scotland | 4 |
| South West | 4 |
| Midlands | 3 |
Notable New Debentures
Significant new debenture registrations in August 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 20/08/2025 | HAPPY DAYS FARMING | 13 yrs | East of England | Agriculture | Apr-2025, Trade Debtors: £18k, Debts: £6.3m, Net Assets: £9.2m, Staff: 10 |
| 07/08/2025 | STRATTON-STRELES ESTATES | 85.6 yrs | East of England | Agriculture | Feb-2025, Trade Debtors: £408k, Debts: £1.4m, Net Assets: £14.5m, Staff: 22 |
| 14/08/2025 | PLUSTERWINE BIOGAS LIMITED | 12.5 yrs | South West | Utilities | Mar-2025, Trade Debtors: £45k, Debts: £599k, Other debts: £129k, Net Assets: £2.5m |
| 12/08/2025 | WALLIS FARMS LIMITED | 36.8 yrs | Midlands | Agriculture | Mar-2025, Trade Debtors: £215k, Debts: £2.6m, Net Assets: £5.9m, Staff: 7 |
| 07/08/2025 | G N R FARMS LIMITED | 18.2 yrs | East of England | Real estate | Aug-2024, Trade Debtors: £2k, Debts: £699k, Net Assets: £3.5m, Staff: 2 |
| 05/08/2025 | LANGDON ENTERPRISES | 24.2 yrs | Wales | Agriculture | Jul-2025, Trade Debtors: £178k, Debts: £1.9m, Net Assets: £1.3m, Staff: 3 |
| 06/08/2025 | FFOREST | 71.5 yrs | Wales | ED | Mar-2025, Trade Debtors: £119k, Debts: £2.4m, Net Assets: £143k, Staff: 10 |
| 14/08/2025 | HUNT FARMING LIMITED | 3.7 yrs | South West | Agriculture | Mar-2025, Debts: £297k, Other debts: £288k, Net Assets: £397k, Staff: 17 |
| 12/08/2025 | SUNNY SIDE UP FREE RANGE | 9.4 yrs | Scotland | Wholesale trade | May-2025, Trade Debtors: £121k, Debts: £1.3m, Net Assets: £877k, Est PBT: £439k |
| 15/08/2025 | R & C MELLOR LTD | 11.4 yrs | East of England | Agriculture | Mar-2025, Net Assets: £458k, Staff: 13, Est PBT: £135k |