ANALISTA Igor Pereira Posted February 1 ANALISTA Report Share Posted February 1 Traders, the warning signal in the regional banking sector just lit up. The "bankruptcy accountant" of 2026 was officially inaugurated. O Metropolitan Capital Bank & Trust, based in Chicago, Illinois, was closed today by the Illinois Department of Financial and Professional Regulation, with the FDIC (Federal Deposit Insurance Corporation) named as a loyal depositary. By Igor Pereira Financial Market Analyst Although it's not a trillion dollar bank, it's the First bank to fail in the nation this year carries a significant psychological weight for the financial market, reminding investors that the interest rates "Higher for Longer" continue to make silent victims. Below are the details of the rescue operation and the financial impact. To avoid contagion panic, the regulator acted quickly to ensure continuity. The Buyer: The FDIC has entered into a purchasing and taking agreement with the First Independence BankDetroit, Michigan. The Transition: First Independence will assume substantially all deposits. The single agency of the bankrupt bank will reopen as a subsidiary of First Independence Bank already on Monday, February 2, 2026. For Customer: Metropolitan Capital depositors automatically become First Independence depositors, with immediate access to funds via cheques and cards this weekend. Bankruptcy reveals the deterioration of balance sheets in smaller institutions. Total assets: On September 30, 2025, the bank reported $261.1 million in total assets. Deposits: Total deposits were $212.1 million .Cost for Insurance (DIF): The FDIC estimates that this bankruptcy will cost the Deposit Insurance Fund (DIF) about $19.7 million. Although it is a "small" value for Wall Street standards, it is real capital being burned to cover insolvency. Why does a $260 million bank matter? Symbolism: Being the first bankruptcy of 2026, this puts the spotlight back on Regional Banks (KRE). Investors will begin to search for balance sheets from other small institutions in search of similar weaknesses. Trend: First Independence Bank has agreed to buy about $251 million of the Bank's bankrupt assets, but the FDIC will have to retain the remainder for further disposal. This shows that not all assets were of sufficient quality to be absorbed immediately.The American banking system continues to show cracks on the edges. My Vision: Monitor the opening of Regional Bank ETFs on Monday. No Panic, but with caution: It is not a systemic event like SVB, but confirms that liquidity stress persists. Gold: Bank bankruptcy news, however small, historically strengthen the Gold investment thesis as a refuge outside the banking system. Premium access: The Risk List Our analysts have updated the "Regional BanksWatchlist" with institutions that have risk metrics similar to the bank that just broke. Know where no Leave your money invested.Ensure your place in the elite market: "> CLICK HERE TO ACCESS THE PICTURE Evandro and Ralney de oliveira dantas 1 1 1 Perfect! Thanks! Love it! Haha Confused :/ Oush! Wow! Liked! × 💬 Did you like this content? Your feedback is very important! Liked! Perfect! Thanks! Love it! Haha Confused :/ Oush! Wow! Quote Link to comment Share on other sites More sharing options...
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