What questions should you consider before a capital raise?

The Banker Next Door · Apr 29, 2026 · 11m

Raising capital can be as much an art as it is a science. There are many factors to consider when deciding to raise capital such as the size of your institution, is your bank publicly traded or privately held, do you want to raise capital using debt or equity, if debt will it be senior debt or subordinated debt, and is raising capital cheap or expensive in the current environment? Before you do anything here are five questions your bank should consider before conducting the capital raise.

1) What are our strategic goals, and how do shareholder expectations shape our capital decisions?

2) How…