That's not the right question, though, because the expected rate of failure isn't constant throughout the lifetime of a bank. See, e.g., https://en.wikipedia.or

That's not the right question, though, because the expected rate of failure isn't constant throughout the lifetime of a bank. See, e.g., https://en.wikipedia.org/wiki/Lindy_effect https://en.wikipedia.org/wiki/Lindy_effect Seems like your best bet would be to park your money with several very old banks: https://en.wikipedia.org/wiki/List_of_oldest_banks_in_continuous_operation https://en.wikipedia.org/wiki/List_of_oldest_banks_in_contin... Also might want to think about purchasing bonds: https://en.wikipedia.org/wiki/List_of_oldest_banks_in_continuous_operation https://en.wikipedia.org/wiki/List_of_oldest_banks_in_contin...