Challenger banks
January 2026
5th in cohort
Oxbury Bank
January 2026 debenture analysis for Oxbury Bank. Challenger banks cohort, ranked 5th.
January 2026 Debenture Activity
Year-over-year comparison of debenture registrations for January 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 9 | 8 | 11 | 21 | +10 | +91% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oxbury Bank | 14.3 | £1.6m |
| Cohort average | 6.8 | £570k |
Top Sectors
| Sector | Count |
|---|---|
| Agriculture | 12 |
| Repair / installation | 2 |
| Wholesale trade | 1 |
| Retail trade | 1 |
| Machinery & equipment | 1 |
Top Regions
| Region | Count |
|---|---|
| Scotland | 6 |
| South West | 5 |
| North West | 4 |
| Wales | 2 |
| Midlands | 2 |
Notable New Debentures
Significant new debenture registrations in January 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 06/01/2026 | OAKLANDS FARM EGGS | 63.6 yrs | Midlands | Agriculture | Mar-2025, Turnover: £116.5m, Trade Debtors: £11.8m, Debts: £15.4m |
| 07/01/2026 | WINDMILL HILL FRUITS | 11.9 yrs | Midlands | Agriculture | Mar-2025, Trade Debtors: £131k, Debts: £8k, Other debts: £32k, Net Assets: £4.6m |
| 21/01/2026 | TORRANCE FARMS LIMITED | 64.8 yrs | Scotland | Agriculture | Mar-2025, Net Assets: £1.7m, Staff: 10, Est PBT: £42k |
| 23/01/2026 | CHASE FARMING LTD | 17.3 yrs | South West | Agriculture | Oct-2024, Trade Debtors: £343k, Debts: £172k, Net Assets: £2.3m, Staff: 7 |
| 28/01/2026 | SUNNY SIDE UP FREE RANGE | 9.8 yrs | Scotland | Wholesale trade | May-2025, Trade Debtors: £121k, Debts: £1.3m, Net Assets: £877k, Est PBT: £439k |
| 14/01/2026 | KELLYS OF BODMIN LIMITED | 23.2 yrs | South West | Retail trade | Dec-2024, Net Assets: £1.8m, Staff: 16, Est PBT: £-84k |
| 09/01/2026 | RSJ FBS LTD | 1.9 yrs | South West | Other professional services | Mar-2025, Net Assets: £4k, Staff: 12, Est PBT: £0k |
| 15/01/2026 | GEYER PLANT SERVICES | 47.7 yrs | Scotland | Repair / installation | Apr-2025, Trade Debtors: £99k, Debts: £34k, Net Assets: £66k, Staff: 11, Est PBT: £-45k |
| 30/01/2026 | JW AGRICULTURAL SERVICES | 7.5 yrs | North West | Repair / installation | Dec-2024, Trade Debtors: £187k, Debts: £200k, Net Assets: £587k, Staff: 1 |
| 26/01/2026 | LOWER COLLIPRIEST FARM | 61.3 yrs | South West | Agriculture | Mar-2025, Turnover: £625k, Trade Debtors: £22k, Debts: £99k, Net Assets: £474k |