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Nothing Big Except the 1st Bank Failure of 2026

edited February 1 in Other Investing
Small Chicago-based Metropolitan Bank closed on Friday and will reopen as First Independence Bank (Detroit, MI) on Monday.

There is this note about brokered CDs in the FDIC FAQs,

"What Happens with My Brokered Deposits?
Substantially all the deposits, excluding the Cede & Co deposits, have been assumed by First Independence Bank. If you are a customer who has a Metropolitan Capital Bank & Trust deposit through a broker, you must contact your broker with any questions."


Edit/Add. Cede is a 3rd party recordkeeper of brokered CD & securities. FDIC insurance (SIPC for securities) will apply individually in most cases
So, it's just a matter of time that FDIC gets the info from Cede about CDs that were within & beyond the insured limits.

FDIC https://www.fdic.gov/news/press-releases/2026/first-independence-bank-detroit-michigan-assumes-all-deposits-metropolitan
News https://www.morningstar.com/news/dow-jones/2026013010705/fdic-reports-first-us-bank-failure-of-2026
Metropolitan Bank https://www.metcapbank.com/
Cede & Co https://en.wikipedia.org/wiki/Cede_and_Company
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