The differences are stark in these two maps, since you used the same color scale.

BTW you can see some of the cross-border anomalies here, where locations in VA have a shorter time indicated on the MD map than the VA one.

Being from a state with relatively few counties (24), it seems like these states with ~100 counties but similar population (VA, KY, etc.) must have relatively cost inefficient local government - there must be a minimum staff to handle lawmaking, permits, etc. whether you're servicing 10,000 people or 100,000, right? Regardless of land area, I think I would rather have the economies of scale.

So, as I suspected this is an example of a https://en.wikipedia.org/wiki/Base_rate_fallacy - there were simply more banks to fail in GA/FL/IL/CA?