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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Failing Bank Acquisitions

The FDIC markets troubled institutions to healthy insured depository institutions. The FDIC is statutorily required to resolve failed institutions using the least costly resolution option minimizing losses to the Deposit Insurance Fund. The FDIC's primary objective is to maintain financial system stability and public confidence. Returning assets to the private sector in an orderly manner at the best price is another key objective. The FDIC also tries to reduce the impact on the community.

Recapitalization before failure is the preferred method to resolve open troubled financial institutions. FDIC markets institutions in case a failing institution is not able to resolve its issues on its own. If an insured depository institution is unable to resolve its issues, the FDIC will implement its resolution process by which qualified bidders may seek to acquire the assets and assume the liabilities of the failing institution.

While qualified bidders participate in the resolution process for a variety of strategic reasons, a successful resolution can provide a seamless transition for depositors and borrowers. Qualified financial institutions may consider pursuing a failing bank acquisition for the following reasons:

Bid Lists

Learn more about how to get included on a Franchise Marketing Bid List.


Bid lists include banks that meet regulatory, asset size, and geographic requirements. Please indicate two contacts to receive notification of an acquisition opportunity if your bank qualifies for a specific bid list.


Potential bidders must maintain adequate supervisory ratings in all areas and have sufficient assets relative to a failing bank to be included on a bid list.

For more information, contact:

InstitutionSales@fdic.gov
Toll-Free Number - (800) 568-9161
Main Number - (214) 754-0098

FDIC
Division of Resolutions and Receiverships
Franchise Marketing
1601 Bryan Street
Dallas, TX 75201-3479

Marketing Process

Learn more about how the Franchise Marketing process works.

Regulatory Guidance

The FDIC, as deposit insurer, reviews the qualifications of potential bidders, and coordinates with the applicable federal and state regulators throughout the review process. Potential bidders are advised to contact the applicable regulators early to ensure timely reviews and determinations, as the marketing process for failing financial institutions is short.

Learn more about Regulatory qualifications in order to successfully complete a failed bank acquisition.

Regulatory Application Links:

Press Releases

Royal Savings Bank, Chicago, IL, Acquires the Insured Deposits of Washington Federal Bank for Savings, Chicago, IL
December 15, 2017

Conway Bank, Conway Springs, KS, Assumes All of the Deposits of The Farmers and Merchants State Bank of Argonia, Argonia, KS
October 13, 2017

United Fidelity Bank, fsb, Evansville, IN, Assumes All of the Deposits of Fayette County Bank, Saint Elmo, IL
May 26, 2017

First-Citizens Bank & Trust Company, Raleigh, NC, Assumes All of the Deposits of Guaranty Bank, Milwaukee, WI
May 5, 2017

Whitney Bank, Gulfport, MS Assumes All Transactional Deposit Accounts of First NBC Bank, New Orleans, LA.
April 28, 2017

Cache Valley Bank, Logan, UT, Assumes All of the Deposits of Proficio Bank, Cottonwood Heights, UT
March 3, 2017

View all Bank Failures

Useful Links

The links below can assist you in submitting a FOIA request, researching historical failed bank transactions or referencing the FDIC's Resolutions Handbook.

Bid Lists

Learn more about how to get included on a Franchise Marketing Bid List.


Bid lists include banks that meet regulatory, asset size, and geographic requirements. Please indicate two contacts to receive notification of an acquisition opportunity if your bank qualifies for a specific bid list.


Potential bidders must maintain adequate supervisory ratings in all areas and have sufficient assets relative to a failing bank to be included on a bid list.

Bank and Thrift Failures Since 2007

Bank and thrift failures since 2007 to First Quarter 2018

Click to view full map image

FDIC Videos

This video describes the FDIC Resolution Process from the notice of prompt corrective action through the closing.

This video explains the nature and benefits of Loss Sharing resolution transactions.


View all videos

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