Over recent years, the American banking sector experienced notable high-profile institutional failures, most notably the historical collapses of Silicon Valley Bank, Signature Bank, and First Republic Bank during liquidity crunches driven by rapid interest rate adjustments. Additionally, smaller regional entities such as Republic First Bank and Metropolitan Capital Bank & Trust experienced financial distress, leading federal regulators like the FDIC to step in, seize their assets, and facilitate orderly supervisory transitions to healthy acquiring institutions.