Failed banks that have been resolved by the FDIC have, in fact, seen depositors lose money on non-insured deposits (i.e. deposits in excess of the insurance lim

Failed banks that have been resolved by the FDIC have, in fact, seen depositors lose money on non-insured deposits (i.e. deposits in excess of the insurance limits). FDIC makes payments, called "dividends", to depositors. The history of dividend payments for failed banks can be found here [0]. For reference, SVB has about $200B in assets. The largest failure to-date was WaMu in the 2008 financial (approx $300B in assets). Depositors were paid back 100%. The largest failure prior to WaMu was IndyMac (approx $100B in assets). Depositors were paid back 50%. No additional dividends have been paid out to depositors. According to Wikipedia [1], the last three >$1B failures were Guaranty in 2017, Doral in 2015, and First National in 2013. Depositors in each of these three cases received less than 100%, averaging around 80%. [0] - https://closedbanks.fdic.gov/dividends/ https://closedbanks.fdic.gov/dividends/ [1] - https://en.wikipedia.org/wiki/List_of_bank_failures_in_the_United_States_(2008%E2%80%93present) https://en.wikipedia.org/wiki/List_of_bank_failures_in_the_U...