Challenger banks
February 2026
5th in cohort
Oxbury Bank
February 2026 debenture analysis for Oxbury Bank. Challenger banks cohort, ranked 5th.
February 2026 Debenture Activity
Year-over-year comparison of debenture registrations for February 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 7 | 11 | 9 | 23 | +14 | +156% |
Borrower Profile
Average borrower characteristics compared to cohort for February 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oxbury Bank | 14.3 | £1.6m |
| Cohort average | 6.8 | £570k |
Top Sectors
| Sector | Count |
|---|---|
| Agriculture | 13 |
| Financial services | 3 |
| Office & business support | 2 |
| Veterinary services | 1 |
| Wholesale trade | 1 |
Top Regions
| Region | Count |
|---|---|
| North West | 5 |
| South East | 4 |
| Scotland | 3 |
| Wales | 3 |
| Midlands | 3 |
Notable New Debentures
Significant new debenture registrations in February 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 19/02/2026 | HAFREN VETERINARY GROUP | 8.9 yrs | Wales | Veterinary services | Jul-2024, Trade Debtors: £787k, Debts: £574k, Net Assets: £849k, Staff: 58 |
| 02/02/2026 | TORRANCE FARMS LIMITED | 64.8 yrs | Scotland | Agriculture | Mar-2025, Net Assets: £1.7m, Staff: 10, Est PBT: £42k |
| 04/02/2026 | TACHBROOK FARMING | 10 yrs | Midlands | Agriculture | Dec-2024, Trade Debtors: £17k, Debts: £1.0m, Net Assets: £1.3m, Staff: 3 |
| 18/02/2026 | LOWER SHADYMOOR FARM | 1.4 yrs | Midlands | Financial services | Mar-2025, Net Assets: £2.4m, Staff: 3, Est PBT: £0k |
| 12/02/2026 | H L STOTT & SONS | 12.5 yrs | South West | Agriculture | Mar-2025, Trade Debtors: £143k, Debts: £155k, Net Assets: £277k, Staff: 11, Est PBT: £0k |
| 04/02/2026 | J E & N M VICKERY LIMITED | 19.2 yrs | South East | Agriculture | Mar-2025, Trade Debtors: £77k, Debts: £336k, Net Assets: £884k, Staff: 6 |
| 04/02/2026 | INNOVIS BREEDING SHEEP | 20.6 yrs | Wales | - | Mar-2025, Trade Debtors: £126k, Debts: £124k, Other debts: £200k, Net Assets: £-1.7m |
| 19/02/2026 | ACE ATV LIMITED | 18 yrs | Midlands | Office & business support | Mar-2025, Net Assets: £423k, Staff: 10, Est PBT: £114k |
| 25/02/2026 | MB FARMS (PRODUCE) LIMITED | 23.2 yrs | South East | Retail trade | Apr-2025, Trade Debtors: £281k, Debts: £27k, Net Assets: £226k, Staff: 7, Est PBT: £72k |
| 27/02/2026 | MESSRS COTTAM LIMITED | 19.4 yrs | North West | Agriculture | Mar-2025, Debts: £276k, Net Assets: £541k, Staff: 3, Est PBT: £58k |