Just

 

because:

“First Republic’s 

capital and liquidity positions 

are very strong, 

and 

its capital remains well above 

the regulatory threshold 

for well-capitalized banks,”

said founder Jim Herbert and CEO Mike Roffler in a statement.

Doesn't mean there wont be underlying problems.

"There are  a ton of banks with more than 50 pct uninsured deposits. What would be best practices to protect from a future run if your company writes  millions in checks weekly ?"

A Marc Cuban tweet on SVB.

Exactly.

Being:

"...well above 

the regulatory threshold..."

Wont fix:

"a ton of banks with more than 50 pct uninsured deposits."

"The slide for regional bank stocks on Monday comes after a rush of withdrawals from SVB Financial forced that bank to close. A key issue was SVB’s high percentage of uninsured deposits, as the majority of the bank’s customers were not guaranteed to get their money back before the regulatory moves over the weekend."

While SVB had an unusually high percentage of uninsured deposits, there are other midsized banks that could be at risk of large withdrawals.

“We believe regionals with less diversified and large uninsured deposit bases are at risk of deposit flight but not at the speed of SVB and they should have time to tap wholesale funding markets (such as FHLB) and raise cash levels. In a fragile environment like we are in, we believe banks should be cautious about the potential negative signaling effect of raising deposit rates to keep deposits,” Citi analyst Keith Horowitz said in a note to clients.

("In a fragile environment like we are in..."

I thought everything was great?

That banks were in better shape than before the financial crisis etc...?

OH...

"regionals with less diversified and large uninsured deposit bases are at risk of deposit flight"

It's just the big ones (banks) that are better off...nice...)