If you are a privately owned bank with a small group of similar minded shareholders who are not looking for a lot of ROI and also the bank should not issue any

If you are a privately owned bank with a small group of similar minded shareholders who are not looking for a lot of ROI and also the bank should not issue any bonds and raise debt then it may work. Given that you can only accept maybe 20x[1] of the equity investment. Is it possible to raise $15B in equity financing with this model ? Otherwise this bank cannot service the volume deposits of SVB and it would be a just small novelty bank. Banks have significant costs and expectations of growth, shareholders to satisfy, which is why they take risks. Risks that are regulated - which perhaps not strong enough (Basel III) are still pretty strict --- [1] Ignoring risk weights etc, you would need at least 5% of the deposits in equity to be "Well Capitalized". The number goes higher depending on risk factors.