The aftermath of Silicon Valley Bank's collapse and its impact on depositors.

The recent failures of Silicon Valley Bank and Signature Bank have caused concern among depositors of smaller banks, leading some to move their money to larger, more regulated banks. However, deposits of up to $250,000 are covered by FDIC insurance, and the government is currently covering uninsured deposits above that amount. Smaller banks are important for their community involvement and relationships with customers and small businesses. While there are concerns about regulatory scrutiny and tighter supervision for smaller banks, it's important to maintain competition in the banking system and not rely solely on a handful of too-big-to-fail institutions. Congress and regulators may need to take a closer look at smaller banks to ensure proper oversight.