That "No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933" claim is in reference to just the insured part of the deposits

That "No depositor has ever lost a penny of insured deposits since the FDIC was created in 1933" claim is in reference to just the insured part of the deposits (as in up to the limits). FDIC is required to go with the resolution that will cost the least to the fund. An acquirer offering to take on all Deposits rather than just insured deposits is typically not a big problem for the acquirer, and can save a surprising amount of money on the FDICs side, so most acquisition offers tend to be for all deposits rather than just insured deposits. (It also tends to keep your new customers happier if they did not lose money, which is very much an actual consideration that goes into bidding on a failing bank). However, sometimes a bank will successfully bid for only the insured portions of deposit accounts. This happened with The Enloe State Bank in 2019, where Legend Bank's bid to acquire just the insured portions of deposit accounts. Nevertheless, losing deposits over the insured amount in a bank closure is definitely the exception and not the norm in recent times.