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U.S. bank failures,
2023 – present.

15 FDIC-insured banks have failed since 2023 — including Silicon Valley Bank, Signature Bank and First Republic. Here’s every one, and what each means for depositors with balances above the FDIC limit.

Last updated October 25, 2026 · Source: FDIC Failed Bank List (fdic.gov) and Ampersand analysis

15U.S. bank failures since 2023
6in 2026 (as of Oct. 25)
2in 2025
$250KFDIC limit per depositor, per bank, per ownership category

2026

Sep 25, 2026Nano BancIrvine, CASixth U.S. failure of 2026 and the largest of the year to date.Acquirer: Sunwest BankOur analysis ↗Aug 21, 2026Tioga-Franklin Savings BankPhiladelphia, PACommunity savings bank failure — a reminder that deposit safety is a practice, not a panic button.Acquirer: Second Federal Savings and Loan Association of PhiladelphiaOur analysis ↗Jul 17, 2026Small Business BankLenexa, KSDeposits assumed by another Kansas community bank.Acquirer: The Farmers State Bank of Oakley, KansasFDIC details ↗Jul 10, 2026Kentland Federal Savings and Loan AssociationKentland, INSmall savings and loan; deposits assumed by a local bank.Acquirer: Kentland BankFDIC details ↗May 1, 2026Community Bank and Trust – West GeorgiaLaGrange, GAGeorgia community bank failure; deposits assumed by Anchor Bank.Acquirer: Anchor BankFDIC details ↗Jan 30, 2026Metropolitan Capital Bank & TrustChicago, ILFirst U.S. bank failure of 2026.Acquirer: First Independence BankFDIC details ↗

2025

Jun 27, 2025The Santa Anna National BankSanta Anna, TXRural Texas bank; deposits assumed by a nearby community bank.Acquirer: Coleman County State BankFDIC details ↗Jan 17, 2025Pulaski Savings BankChicago, ILFirst U.S. bank failure of 2025.Acquirer: Millennium BankFDIC details ↗

2024

Oct 18, 2024The First National Bank of LindsayLindsay, OKFailure tied to fraud; raised questions about deposit requirements tied to loans.Acquirer: First Bank & Trust Co.Our analysis ↗Apr 26, 2024Republic First BankPhiladelphia, PAFirst bank failure of 2024.Acquirer: Fulton Bank, N.A.Our analysis ↗

2023

Nov 3, 2023Citizens BankSac City, IAIowa community bank failure.Acquirer: Iowa Trust & Savings BankFDIC details ↗Jul 28, 2023Heartland Tri-State BankElkhart, KSFailure linked to fraud by a bank executive.Acquirer: Dream First Bank, N.A.FDIC details ↗May 1, 2023First Republic BankSan Francisco, CASecond-largest bank failure in U.S. history at the time.Acquirer: JPMorgan Chase Bank, N.A.Our analysis ↗Mar 12, 2023Signature BankNew York, NYClosed days after SVB amid rapid deposit outflows.Acquirer: Flagstar Bank, N.A.Our analysis ↗Mar 10, 2023Silicon Valley BankSanta Clara, CAA run by largely uninsured depositors; ~$42B in withdrawal requests in a single day.Acquirer: First Citizens Bank & Trust CompanyOur analysis ↗
50 years of bank failures

Bank failures aren’t rare.
They come in waves.

Over the past 50 years (1976–2026), more than 3,500 U.S. banks and savings institutions have failed or required FDIC assistance — most of them during two major banking crises.

3,595failed or assisted institutions, 1976–20263,004 failures · 591 assistance transactions
Savings & Loan Crisis1980s – early 1990s

Thousands of financial institutions failed, including commercial banks and savings institutions — 2,935 failed or assisted from 1980 to 1994.

Great Financial Crisis2008 – 2013

More than 480 FDIC-insured banks failed, largely because of real estate losses, poor underwriting and liquidity pressures.

Failure ≠ automatic loss

FDIC insurance protects eligible deposits up to applicable limits, and uninsured deposits may be partly or fully recovered through the resolution process — but recovery is not guaranteed and can take time.

Source: FDIC BankFind Suite historical failures and assistance data, 1976–2026 (data as of August 2026). Totals include FDIC-insured commercial banks and savings institutions and assistance transactions; counts differ from lists of outright bank failures alone. Institution-level records: banks.data.fdic.gov/bankfind-suite/failures ↗

How exposed is your cash if your bank fails?Check what share of your balances is within FDIC limits.

Tracker lists all FDIC-insured bank failures from 2023 to present (last updated October 25, 2026), based on the FDIC Failed Bank List; credit union failures are not included. For the official, current list, see fdic.gov/bank-failures/failed-bank-list. Descriptions summarize public reporting and Ampersand analysis. Ampersand, Inc. is not a bank.