{"podcast":{"title":"The Banker Next Door","slug":"the-banker-next-door-6597036","podcast_index_feed_id":6597036,"rss_url":"https://feed.podbean.com/joeberq/feed.xml","website_url":"https://joeberq.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/14138475/LOGO-2C-Vertical-1800x1800_4cmi58.jpg","author":"Dr. Joseph Bergquist","episode_count":400,"summary":"BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.","last_synced_at":"2026-07-29T06:17:38.092525+00:00","page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036"},"episode":{"title":"Bank capital raising in the U.S. is down 35.7% YOY!","slug":"bank-capital-raising-in-the-u-s-is-down-35-7-yoy","published_at":"2026-05-07T16:00:00+00:00","page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036/bank-capital-raising-in-the-u-s-is-down-35-7-yoy","show_page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036","url":"https://joeberq.podbean.com/e/bank-capital-raising-in-the-us-is-down-357-yoy/","audio_url":"https://mcdn.podbean.com/mf/web/5mtcvtv8r5biksta/Bank_capital_raising_in_the_U_S_is_down_35_7_YOY_8fezt.mp3","summary":"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).","meta_description":"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, t…","key_points":[],"chapters":[],"topics":[],"duration_seconds":910,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-banker-next-door-6597036/episodes/bank-capital-raising-in-the-u-s-is-down-35-7-yoy/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-banker-next-door-6597036/bank-capital-raising-in-the-u-s-is-down-35-7-yoy.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}