In quite a few buyout cases, the buyer only buys what's left after the FDIC pays out any losses. The FDIC prefers to do it this way since having an intact set

In quite a few buyout cases, the buyer only buys what's left after the FDIC pays out any losses. The FDIC prefers to do it this way since having an intact set of customers is valuable to the acquiring bank and helps defer the cost and especially administrative overhead of disbursing insured funds. "Purchase and Assumption Transaction. This is the preferred and most common method, under which a healthy bank assumes the insured deposits of the failed bank. Insured depositors of the failed bank immediately become depositors of the assuming bank and have access to their insured funds. The assuming bank may also purchase loans and other assets of the failed bank." https://www.fdic.gov/consumers/banking/facts/payment.html https://www.fdic.gov/consumers/banking/facts/payment.html