Larger lenders and regulators step in for the good of the overall banking system. But confidence among depositors is key.
New regulation and industry consolidation will be key. Loans may be scarcer for new businesses and in low-income and rural communities.
The failures of Silicon Valley Bank and Signature Bank had a lot of depositors worried about their own banks. While many moved their depositors to bigger institutions, bank deposits have been trending downward overall.
A Dallas Fed survey found signs that banks are pulling back on loans. High rates may also be dampening interest among borrowers.
More than 400 California wineries borrowed from Silicon Valley Bank. In the aftermath of its collapse, many are wondering what comes next.
Analysts say there's no reason to panic, but the sinking values of commercial properties could make those banks' balance sheets look pretty bad.
Chatter among the bank's depositors on social media and texting groups may have exacerbated its demise.