Challenger banks
December 2025
6th in cohort
Oxbury Bank
December 2025 debenture analysis for Oxbury Bank. Challenger banks cohort, ranked 6th.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 7 | 14 | 21 | 30 | +30% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oxbury Bank | 14.9 | £2.0m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Agriculture | 17 |
| Financial services | 5 |
| Real estate | 2 |
| Office & business support | 1 |
| Wholesale trade | 1 |
Top Regions
| Region | Count |
|---|---|
| South East | 8 |
| Midlands | 5 |
| Scotland | 4 |
| South West | 4 |
| Yorkshire / Humber | 3 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 18/12/2025 | W B C F HOLDINGS LIMITED | 4.2 yrs | South East | Agriculture | Dec-2024, Turnover: £175.4m, Trade Debtors: £9.1m, Debts: £10.9m |
| 19/12/2025 | W B CHAMBERS FARMS | 9.1 yrs | South East | - | Dec-2024, Turnover: £73.5m, Trade Debtors: £2.0m, Debts: £10.9m, Net Assets: £13.1m |
| 19/12/2025 | WBC IMPORTS LIMITED | 9.4 yrs | South East | - | Dec-2024, Turnover: £117.3m, Trade Debtors: £7.1m, Net Assets: £10.7m, Staff: 24 |
| 23/12/2025 | P.J. LEE & SONS LIMITED | 6.4 yrs | East of England | Agriculture | Apr-2025, Trade Debtors: £1.5m, Debts: £24.8m, Other debts: £550k |
| 05/12/2025 | YELSPA LIMITED | 48 yrs | South East | Utilities | Mar-2025, Turnover: £23.3m, Trade Debtors: £3.5m, Debts: £18.3m |
| 24/12/2025 | GRIFFITHS FARMS LTD | 2.1 yrs | Midlands | Agriculture | Dec-2024, Trade Debtors: £5.9m, Debts: £577k, Net Assets: £3.6m, Staff: 15 |
| 26/12/2025 | HAMPTWORTH ESTATE | 3.6 yrs | London | Real estate | Feb-2024, Net Assets: £-3.3m, Staff: 2, Est PBT: £-3.2m |
| 19/12/2025 | POWELL FARMING LTD | 4.3 yrs | Midlands | Agriculture | Mar-2025, Trade Debtors: £325k, Debts: £2.8m, Net Assets: £1.7m, Staff: 9 |
| 17/12/2025 | LOWER SHADYMOOR FARM | 1.2 yrs | Midlands | Financial services | Mar-2025, Net Assets: £2.4m, Staff: 3, Est PBT: £0k |
| 13/12/2025 | JOSEPH BLACK & SONLIMITED | 74.8 yrs | Yorkshire / | Agriculture | Apr-2025, Trade Debtors: £70k, Net Assets: £1.7m, Staff: 2, Est PBT: £295k |