Signature Bank was already on the 'red list' for dabbling in crypto and not responding to regulatory requests. 90% of its deposits were not insured.

FR was wealthy clientelle. These are the type of depositors who will most quickly withdraw funds in signs of problems. (These deposits are not insured.)

Non-sticky or sensitive deposits.
Faster growth is difficult for banks.

Regional banks, concentration, may be less sticky than more national banks.






Biggest-losing banks in 8-9the decile. Not the smallest banks. Also the fastest-growing recently were more recently the fastest-losing (stickiness?).