Capital

Community bank executives are wary about the year ahead. Cybersecurity threats, the real possibility of even tighter margins after the Federal Reserve acts, and compliance woes are among their concerns.

Carolina Financial in Charleston, S.C., plans to raise $30 million in a public offering of its common stock.

Bank of the Ozarks in Little Rock, Ark., which has made 15 bank deals since 2010, has raised $110 million in an offering of its common stock.

Lake Sunapee Bank Group in Newport, N.H., has exited the Small Business Lending Fund.

Synovus Financial in Columbus, Ga., plans to issue $250 million in subordinated notes to fund potential acquisitions or refinance other debt.

Premara Financial in Charlotte, N.C., has raised $8.5 million in a stock offering and plans to exit the Small Business Lending Fund program.

Mark Simmons, a seasoned commercial lender, is planning to open a bank in California’s Orange County that is dedicated to making loans to businesses. Core Commercial Bank, expected to be the state’s first de novo since 2008, would jump into a market where commercial lenders are plentiful — and aggressive.

Huron Valley State Bank in Milford, Mich., plans to raise as much as $5 million to grow its two-branch business.

Blue Ridge Bankshares in Luray, Va., has issued $10 million in subordinated debt and plans to exit the Small Business Lending Fund.

The $1.2 billion-asset company has redeemed the $10.9 million of preferred shares held by the U.S. Treasury Department, plus accrued dividends.

The New York firm on Thursday sold 3 million voting shares in the $9.4 billion-asset United Community to Morgan Stanley, which acted as the sole underwriter on the offering.

First Resource Bank in Exton, Pa., has redeemed most of its Small Business Lending Fund preferred shares.

California regulators have approved a request from private-equity firm Carpenter & Co. to raise capital for a new state-chartered bank.

Avidbank Holdings in Palo Alto, Calif., has raised $12 million through a private placement of debt.

More banks are looking to buy commercial loans for reasons ranging from a dearth of organic opportunities to a need to diversify their asset mix. That surge in demand is creating an imbalance that benefits banks that have been able to make more loans.

LegacyTexas Financial Group in Plano will issue $75 million in subordinated debt for potential acquisitions and other uses.

The private equity firm founded by Eugene Ludwig has sold about 6% of its stake in Seacoast Banking Corp. of Florida for $7.3 million.

Entegra Financial in Franklin, N.C., has adopted a plan to preserve the value of about $12.2 million deferred tax assets.

Coastal Banking in Beaufort, S.C., has redeemed stock that it originally issued as part of the Troubled Asset Relief Program, after it obtained a $10 million loan.

Heartland BancCorp in Gahanna, Ohio, has raised $5.4 million in a private placement.