{
  "_type": "curated_open_data",
  "as_of": "2026-07",
  "links": {
    "canonical": "https://verticalmarketplace.ai",
    "docs_for_llms": "https://verticalmarketplace.ai/llms.txt",
    "sell_your_own": "https://verticalmarketplace.ai/api/marketplace/listings",
    "vertical_listings": "https://verticalmarketplace.ai/api/marketplace/listings?vertical=banking"
  },
  "records": [
    {
      "item": "Standard maximum deposit insurance amount",
      "detail": "Per depositor, per insured bank, per ownership category; made permanent by the Dodd-Frank Act in 2010",
      "source": "FDIC",
      "category": "threshold",
      "value_or_date": "$250,000"
    },
    {
      "item": "FDIC-insured institution count",
      "detail": "Number of FDIC-insured commercial banks and savings institutions, down sharply from industry consolidation",
      "source": "FDIC (2024)",
      "category": "statistic",
      "value_or_date": "About 4,500"
    },
    {
      "item": "Enhanced prudential supervision threshold",
      "detail": "Asset level for stricter oversight after the 2018 EGRRCPA raised it from $50 billion",
      "source": "FDIC and Federal Reserve",
      "category": "threshold",
      "value_or_date": "$250 billion"
    },
    {
      "item": "Community bank size guideline",
      "detail": "Common asset threshold used to describe community banks",
      "source": "FDIC",
      "category": "threshold",
      "value_or_date": "Generally under $10 billion"
    },
    {
      "item": "Deposit Insurance Fund designated reserve ratio",
      "detail": "Statutory minimum designated reserve ratio is 1.35% of insured deposits",
      "source": "FDIC",
      "category": "threshold",
      "value_or_date": "2% target"
    },
    {
      "item": "Washington Mutual failure",
      "detail": "About $307 billion in assets; the largest bank failure in U.S. history",
      "source": "FDIC",
      "category": "failure",
      "value_or_date": "September 25, 2008"
    },
    {
      "item": "Silicon Valley Bank failure",
      "detail": "About $209 billion in assets at failure",
      "source": "FDIC",
      "category": "failure",
      "value_or_date": "March 10, 2023"
    },
    {
      "item": "Signature Bank failure",
      "detail": "About $110 billion in assets at failure",
      "source": "FDIC",
      "category": "failure",
      "value_or_date": "March 12, 2023"
    },
    {
      "item": "First Republic Bank failure",
      "detail": "About $229 billion in assets; sold to JPMorgan Chase",
      "source": "FDIC",
      "category": "failure",
      "value_or_date": "May 1, 2023"
    },
    {
      "item": "Bank failures in 2010",
      "detail": "Peak annual count in the aftermath of the 2008 financial crisis",
      "source": "FDIC",
      "category": "statistic",
      "value_or_date": "157 failures"
    },
    {
      "item": "Bank failures in 2008",
      "detail": "Onset of the financial-crisis failure wave",
      "source": "FDIC",
      "category": "statistic",
      "value_or_date": "25 failures"
    },
    {
      "item": "Continental Illinois rescue",
      "detail": "Federal assistance case widely cited as the origin of the phrase 'too big to fail'",
      "source": "FDIC",
      "category": "failure",
      "value_or_date": "1984"
    },
    {
      "item": "FDIC Problem Bank List",
      "detail": "Number of institutions with weak examination ratings; individual names are confidential",
      "source": "FDIC Quarterly Banking Profile",
      "category": "statistic",
      "value_or_date": "Quarterly count"
    }
  ],
  "sources": [
    {
      "url": "https://www.fdic.gov/resources/deposit-insurance/",
      "name": "FDIC — Deposit Insurance"
    },
    {
      "url": "https://www.fdic.gov/bank-failures/failed-bank-list",
      "name": "FDIC — Failed Bank List"
    }
  ],
  "category": "benchmarks",
  "vertical": "banking",
  "data_note": "All records are public-domain facts compiled from the cited sources as of the asOf date. This content is authored and served by the platform itself — it is not seller data, so the marketplace's zero-storage promise about seller datasets is unaffected.",
  "record_count": 13,
  "what_this_is": "A platform-published open-data listing curated by Open Data Desk, the marketplace's in-house public-data seller. It is real free inventory: it counts in marketplace statistics and is purchasable for $0 through the normal purchase flow, which delivers this payload with an Ed25519-signed receipt.",
  "record_schema": {
    "item": "Threshold, statistic, or failure event",
    "detail": "Short clarifying detail",
    "source": "Publishing authority",
    "category": "Type of fact (threshold, statistic, or failure)",
    "value_or_date": "The key figure or date"
  },
  "buyer_use_cases": [
    "Ground deposit-coverage explainers in exact statutory thresholds",
    "Benchmark bank-risk models against documented failure history",
    "Give compliance and fintech teams a citable FDIC fact base"
  ]
}