Red flags are over $100B in assets and high exposure to bonds(which decline in value in a rising interest rate environment like now).
Smaller banks and credit unions may be better off in the near term unless there is panic, all institutions are vulnerable to bank runs.
Traditionally credit unions and community banks fare better than regional IF they are well managed. Credit unions are usually more conservative in how they use deposits and more attuned to their customers (who are also members), but individual results can vary. Best thing to do is evaluate the institutions you deal with for risk.
So how do we know which banks are next on the chopping blocks and which of the top banks are going to be left in the end?
Edit - Is there any banks that are safer than others? Like is a credit union any safer than regular banks?
I have my debts with a normal bank and credit account with a credit union/building society in UK
Seriously, I got lucky taking puts out on Credit Suisse but the ones I took out on Wells Fargo and Bank of America are all in the red.
just buy FAZ
This appears to be a problem-reaction-solution scenario aimed at consolidation and more control/regulation.
This article breaks down some of the reasons behind the bank failures:
https://www.investors.com/news/first-republic-bank-the-2nd-largest-u-s-bank-failure-what-comes-next/
Red flags are over $100B in assets and high exposure to bonds(which decline in value in a rising interest rate environment like now). Smaller banks and credit unions may be better off in the near term unless there is panic, all institutions are vulnerable to bank runs.
Traditionally credit unions and community banks fare better than regional IF they are well managed. Credit unions are usually more conservative in how they use deposits and more attuned to their customers (who are also members), but individual results can vary. Best thing to do is evaluate the institutions you deal with for risk.