Banks and bank holding companies always need capital, and capital is crucial if a bank wants to undertake an acquisition, or improve its ratios for CRE concentration limits (something the regulators are looking at with greater frequency), or for other purposes. Of course, a sale of common stock is the typical way in which banks and bank holding companies raise capital, but the issuance of unsecured, subordinated debt may also be an advantageous way to raise needed capital. Continue reading >