Challenger banks
March 2025
6th in cohort
Oxbury Bank
March 2025 debenture analysis for Oxbury Bank. Challenger banks cohort, ranked 6th.
March 2025 Debenture Activity
Year-over-year comparison of debenture registrations for March 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 9 | 3 | 7 | 17 | +59% |
Borrower Profile
Average borrower characteristics compared to cohort for March 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oxbury Bank | 14.9 | £2.0m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Agriculture | 13 |
| Unknown | 2 |
| Accommodation | 1 |
| Repair / installation | 1 |
Top Regions
| Region | Count |
|---|---|
| North West | 4 |
| South West | 2 |
| South East | 2 |
| Yorkshire / Humber | 2 |
| East Midlands | 2 |
Notable New Debentures
Significant new debenture registrations in March 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 11/03/2025 | STOCKCROFT LIMITED | 13.4 yrs | South East | Agriculture | Nov-2024, Turnover: £60.6m, Trade Debtors: £2.6m, Debts: £122k, Net Assets: £30.1m |
| 13/03/2025 | R L & P R LATHAM LLP | 5.5 yrs | North West | Unknown | Mar-2025, Trade Debtors: £193k, Debts: £3.6m, Net Assets: £3.5m, Staff: 29, Est PBT: Unknown |
| 20/03/2025 | D & A MORTON LTD | 13 yrs | Scotland | Agriculture | Mar-2025, Trade Debtors: £133k, Debts: £4.4m, Net Assets: £648k, Staff: 9 |
| 25/03/2025 | PHIL BENSON CONTRACTING | 16 yrs | South East | Agriculture | Dec-2024, Trade Debtors: £665k, Debts: £152k, Other debts: £95k, Net Assets: £2.0m |
| 31/03/2025 | T.C.CHEER COMPANY LIMITED | 68 yrs | East of England | Agriculture | Mar-2025, Debts: £1.5m, Other debts: £127k, Net Assets: £1.4m, Staff: 2, Est PBT: £5k |
| 18/03/2025 | HENSON AND ANDREWS | 9.2 yrs | South West | - | Dec-2024, Trade Debtors: £163k, Debts: £286k, Net Assets: £1.2m, Staff: 4 |
| 11/03/2025 | CLARKE FARMS LIMITED | 18 yrs | East Midlands | Agriculture | Mar-2025, Trade Debtors: £41k, Debts: £1.0m, Net Assets: £992k, Staff: 3 |
| 06/03/2025 | C R & C L DONALDSON LTD | 16.4 yrs | Yorkshire / | Agriculture | Jun-2025, Net Assets: £4k, Staff: 3, Est PBT: £-93k |
| 20/03/2025 | QUARRY HILL FARM (LEDBURY) | 6 yrs | Midlands | Agriculture | Mar-2025, Net Assets: £1.8m, Est PBT: £132k |
| 07/03/2025 | DAM HILL ESTATES LTD | 2.9 yrs | East of England | Accommodation | Mar-2025, Trade Debtors: £12k, Debts: £597k, Net Assets: £859k, Est PBT: £12k |