The High Cost and Instability of Failing Banks.

Community banks, such as Freedom Bank and Three Rivers Bank, are concerned they will have to pay for the $22 billion rescue of Silicon Valley Bank and Signature Bank, despite having nothing to do with their failure. The Federal Deposit Insurance Corp (FDIC) plans to impose a "special assessment" on banks, but has yet to decide which lenders will need to pay that fee. Lawmakers and the White House are considering exempting small, community banks from paying the fee, but smaller lenders could still be impacted by increased regulations and customers moving to larger banks.