Challenger banks
September 2025
6th in cohort
Oxbury Bank
September 2025 debenture analysis for Oxbury Bank. Challenger banks cohort, ranked 6th.
September 2025 Debenture Activity
Year-over-year comparison of debenture registrations for September 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 7 | 9 | 15 | 22 | +32% |
Borrower Profile
Average borrower characteristics compared to cohort for September 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Oxbury Bank | 14.9 | £2.0m |
| Cohort average | 6.5 | £636k |
Top Sectors
| Sector | Count |
|---|---|
| Agriculture | 18 |
| Wholesale trade | 1 |
| Sports & recreation | 1 |
| Real estate | 1 |
| Specialist construction | 1 |
Top Regions
| Region | Count |
|---|---|
| Wales | 7 |
| East of England | 4 |
| Midlands | 3 |
| Scotland | 2 |
| South West | 2 |
Notable New Debentures
Significant new debenture registrations in September 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 01/09/2025 | RATTLEROW PROPERTIES | 26.8 yrs | London | Real estate | Dec-2024, Debts: £3.5m, Net Assets: £17.6m, Staff: 2, Est PBT: £985k |
| 18/09/2025 | C G ROBINSON & SONS LTD | 22.5 yrs | North East | Specialist construction | Mar-2025, Trade Debtors: £1.3m, Debts: £5.0m, Other debts: £4k, Net Assets: £5.8m |
| 01/09/2025 | RICHARD BOWDLER LIMITED | 17.5 yrs | Midlands | Agriculture | Mar-2025, Trade Debtors: £1.0m, Net Assets: £7.1m, Staff: 25, Est PBT: £1.8m |
| 05/09/2025 | P. SQUIRE LIMITED | 68.6 yrs | East of England | - | Jun-2025, Trade Debtors: £30k, Debts: £1.1m, Net Assets: £903k, Staff: 5 |
| 12/09/2025 | CHOLMONDELEY FARMS | 7.4 yrs | North West | Agriculture | Mar-2025, Trade Debtors: £404k, Debts: £508k, Net Assets: £719k, Staff: 17 |
| 17/09/2025 | LLOYDS DAIRY CENTRE | 20.5 yrs | Wales | Wholesale trade | Mar-2025, Debts: £125k, Net Assets: £975k, Staff: 20, Est PBT: £468k |
| 05/09/2025 | COOPER BROTHERS | 82.4 yrs | East of England | - | Dec-2024, Trade Debtors: £24k, Debts: £518k, Net Assets: £2.2m, Staff: 4 |
| 10/09/2025 | SPORTING TARGETS LIMITED | 35 yrs | East of England | - | Apr-2025, Trade Debtors: £23k, Debts: £109k, Net Assets: £96k, Staff: 18 |
| 09/09/2025 | RED EARTH FARMS LIMITED | 17.5 yrs | Midlands | Agriculture | Mar-2025, Trade Debtors: £453k, Debts: £48k, Net Assets: £1.6m, Staff: 11 |
| 18/09/2025 | CASELEY FARM DAIRY LTD | 3.3 yrs | South West | Agriculture | Dec-2024, Net Assets: £69k, Staff: 2, Est PBT: £84k |