Source: https://www.marketwatch.com/story/20-banks-that-are-sitting-on-huge-potential-securities-lossesas-was-svb-c4bbcafa

Tool: Google Charts

Surely my bank won't be on this li- dammit.

Notice the lack of recognizable banks doing normal business.

Is it possible to scale the dots based on size of total deposits?

Yeah that’s possible. I’d really want to see how much of their deposits are from accounts under $250k vs Commercial.

Keep it under $250k, pal :)

FDIC does not keep enough money on hand to fully insure all banks, you know... they really only have about $128b which is < 2% on the entire US banking industry.

If it got to that, then you have to add whatever they print out as a bailout “to restore faith in the American banking system.”

A lot of these are very recognizable…

“Popular Inc.” sounds like a bank the South Park kids would open after learning that bankers can gamble with other people’s money.

So is the top left quadrant less risky? Guessing based on failures in bottom right quadrant.

Unfortunately, that says more about your familiarity with large regional banks than anything. At least six of the 50 largest banks in the US are in that diagram (Fifth Third, KeyCorp, Ally, Comerica, Banco Popular, Synovus), plus two more that are top 50 sized but excluded from the list for technical reasons (First Financial, Zion's). All but First Financial are traditional banks that have been around for more than 100 years.

Stupid question, First Republic- yea or nay?

gonna be tough, but I'll try! lmao

I don’t see my bank on the list! Wait maybe they’ll be on page 2. Shit.

Good thing money isn’t real

Does this only take into account assets for sale? Fifth third ceo said on cnbc today his bank holds all securities as available for sale. So does this chart penalize this banks while obscuring banks shifting securities to assets held to maturity?

Deposits not insured by the FDIC

Signature Bank 90%

SVB 88%

Citigroup 85%

First Republic 68%

JPMorgan 59%

BNY Mellon 56%

Citizens Financial 49%

KeyCorp 47%

PNC 46%

Truist 46%

M&T Bank 45%

Fifth Third 42%

Bank of America 33%

Goldman Sachs 33%

Huntington Bancshares 33%

https://www.businessinsider.com/signature-svb-us-banks-have-over-1-trillion-uninsured-deposits-2023-3?amp

Looks like KeyCorp is going down

Hope they enjoy all of my debt.

Sooo... First Republic is next you say?

Loving my credit unions right about now.

Thank god the republicans got rid of Dodd-Frank (which was toothless anyway).

The y-axis is kinda useless for inference because of endogeneity.

OH MY GOD, YOU SHORT-SOLD KENNY!!!

They’ll sell bank assets before they use their cash reserves.

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They zero out mortgages right?

This has just been copied over from r/StartARunForFun.

Fifth Third Bancorp?

I’d shut it down just for having a stupid name.

Yup. They're struggling to even keep 1.35% in reserves.

https://www.fdic.gov/news/speeches/2021/spjun1521a.html

Let them all fail. No Bailouts!

Let’s unpack this.

It’s not fear mongering, it’s information sharing. I can’t help if someone is fearful based on their perception of information. Sure there could always be more context, but that’s subjective.

No where did I mention or imply “hidden” losses in this chart. Nor did I equate unrealized to hidden losses. Again, this is your bias making an assumption the chart or article never mentioned. It’s simply showing exactly what you mentioned in the first few paragraphs regarding their HTM securities were not meant to be sold, but now they have an increasing gap in their securities valuation and have an increasingly larger unrealized loss position. This issue plus how the bank responds to handling their situation is what spooks investors and in turn depositors.

“You had some money—aaaand it’s gone.”

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