Solutions

Community banks are taking a fresh look at subordinated debt as a flexible, cost-effective way to strengthen capital in today’s challenging environment. With rising funding costs and limited equity options, subordinated debt offers a non-dilutive path to support growth, improve capital ratios, and enhance balance sheet resilience.

As funding dynamics shift and credit uncertainty lingers, community banks need more flexibility than ever.

Agency lending isn’t just for big banks—community banks can tap into Fannie Mae, Freddie Mac, and HUD to offer competitive financing for CRE clients. With rates still attractive and new flexibilities in place, now’s the time to explore how Bankers’ Bank can help you deliver more value with less risk.

With interest rates still elevated and regulatory clarity emerging, now is a strategic time for community banks to revisit subordinated debt—a flexible, non-dilutive capital tool that can stabilize funding costs and support long-term growth. Bankers’ Bank offers expert guidance to help institutions structure and place offerings tailored to their financial goals.

Bankers’ Bank, is pleased to announce the completion of a $16.0 million private placement of fixed-to-floating rate subordinated notes for Emmetsburg Bank Shares, Inc.

Explore key developments in commercial risk during our webinar, designed for community banks looking to thrive in 2025.