# Bank capital raising in the U.S. is down 35.7% YOY!

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Text version: https://stenobird.com/podcast/the-banker-next-door-6597036/bank-capital-raising-in-the-u-s-is-down-35-7-yoy.md
Podcast: [The Banker Next Door](https://stenobird.com/podcast/the-banker-next-door-6597036)
Published: 2026-05-07T16:00:00+00:00
Episode link: https://joeberq.podbean.com/e/bank-capital-raising-in-the-us-is-down-357-yoy/
Audio file: https://mcdn.podbean.com/mf/web/5mtcvtv8r5biksta/Bank_capital_raising_in_the_U_S_is_down_35_7_YOY_8fezt.mp3
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Duration seconds: 910

## Resource

U.S. bank capital offerings were down 35.7% from the same period one year ago but increased 125.7% compared to the previous quarter. On the equity side, there was a surge in preferred equity offerings, but this was mainly attributed to a large offering from Wells Fargo. Common equity offerings continued to be subdued. On the debt side, senior debt issuance was the largest component at $23.88B. However, this was the lowest issuance for senior debt in three years. Senior debt issuance increased 147% quarter over quarter but was down 38% year over year. Subordinated debt issuance declined 26% quarter over quarter and 72% year over year. Still debt issuance remains the largest component of U.S. bank’s capital stacks over the last few years. Additionally, we reviewed recent examples of a capital raise from BayFirst Financial Corp. and subordinated debt offerings from Fulton Financial and Renasant Bank. This episode reviewed multiple articles from S&P Global Market Intelligence (subscription required).

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