Challenger banks
November 2025
6th in cohort
Oxbury Bank
November 2025 debenture analysis for Oxbury Bank. Challenger banks cohort, ranked 6th.
November 2025 Debenture Activity
Year-over-year comparison of debenture registrations for November 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 5 | 15 | 17 | 25 | +32% |
Borrower Profile
Average borrower characteristics compared to cohort for November 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oxbury Bank | 14.9 | £2.0m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Agriculture | 15 |
| Unknown | 2 |
| Financial services | 2 |
| Logistics & warehousing | 1 |
| Office & business support | 1 |
Top Regions
| Region | Count |
|---|---|
| Scotland | 6 |
| South East | 5 |
| East of England | 4 |
| North West | 2 |
| Wales | 2 |
Notable New Debentures
Significant new debenture registrations in November 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 04/11/2025 | F.K. KEMSLEY & SONS LIMITED | 68.6 yrs | South East | Real estate | Mar-2025, Trade Debtors: £29k, Net Assets: £7.4m, Staff: 1, Est PBT: £228k |
| 18/11/2025 | L. SYMINGTON (FARMS) | 71.7 yrs | East of England | Agriculture | Jun-2025, Trade Debtors: £420k, Debts: £1.3m, Other debts: £0k, Net Assets: £2.7m |
| 03/11/2025 | WILLOW TREE POTATOES | 33.9 yrs | East of England | - | Apr-2025, Trade Debtors: £444k, Debts: £2.5m, Net Assets: £2.5m, Staff: 3 |
| 03/11/2025 | EVENING HILL FARM LIMITED | 18.7 yrs | North West | Agriculture | Mar-2025, Trade Debtors: £221k, Debts: £2.3m, Other debts: £365k, Net Assets: £1.2m |
| 24/11/2025 | TORRANCE FARMS LIMITED | 64.6 yrs | Scotland | Agriculture | Mar-2025, Net Assets: £1.7m, Staff: 10, Est PBT: £42k |
| 04/11/2025 | RIVIERA FARMS LIMITED | 7.8 yrs | South West | Agriculture | Apr-2025, Trade Debtors: £27k, Debts: £912k, Net Assets: £770k, Staff: 2 |
| 27/11/2025 | DAVID CATT & SONS | 5.4 yrs | South East | Financial services | Jul-2025, Net Assets: £2.2m |
| 03/11/2025 | J E & N M VICKERY LIMITED | 18.9 yrs | South East | Agriculture | Mar-2025, Trade Debtors: £77k, Debts: £336k, Net Assets: £884k, Staff: 6 |
| 03/11/2025 | FRIZZLE FARM CONTRACTING | 7.6 yrs | South West | Agriculture | Jun-2025, Trade Debtors: £115k, Debts: £10k, Net Assets: £780k, Staff: 6 |
| 04/11/2025 | MID WALES RENEWABLES | 10.1 yrs | Wales | Forestry & logging | Dec-2024, Trade Debtors: £331k, Debts: £23k, Net Assets: £529k, Est PBT: £179k |