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Bank Failures What You Need To Know

Bank Failures: What You Need to Know

Understanding Bank Failures

Bank failures can be a stressful time for customers and businesses alike. The Federal Deposit Insurance Corporation (FDIC) plays a critical role in managing failed banks and ensuring that depositors' funds are protected.

Impact on Customers

If your bank fails, the FDIC may appoint a receiver to take over its assets and liabilities. Depositors are typically insured up to $250,000 by the FDIC. Loans and other liabilities are also generally assumed by the receiver.

Vendor Claims

Vendors who have outstanding claims against a failed bank can file claims with the receiver. The receiver will evaluate the claims and determine whether they are valid and payable.

Historical and Current Bank Failures

From 2001 through 2024, there have been 567 bank failures. For more specific information on bank failures in a particular year, consult the FDIC Failed Bank List.

Additional Resources


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