It happens all the time. Here's a summary of relatively recent history: https://www.fdic.gov/bank/historical/bank/ https://www.fdic.gov/bank/historical/bank/ I

It happens all the time. Here's a summary of relatively recent history: https://www.fdic.gov/bank/historical/bank/ https://www.fdic.gov/bank/historical/bank/ I believe the FDIC has come through 100% of the time since it came into existence in the 1930s. Here's what they say: "Since the start of FDIC insurance on January 1, 1934, no depositor has lost a penny of insured funds as a result of a failure." I believe that's true. https://www.fdic.gov/about/what-we-do/ https://www.fdic.gov/about/what-we-do/