Most banks are fine. They aren't gambling like SVB did. Ofc it's a VC bank gambling like a VC. SVB had ~40b in short term liquid assets. They had ~100b HTM sec

Most banks are fine. They aren't gambling like SVB did. Ofc it's a VC bank gambling like a VC. SVB had ~40b in short term liquid assets. They had ~100b HTM securities. 210b in total assets. Nearly half of their assets were in HTM securities. You aren't going to find many banks with half their assets in HTM securities even banks holding a lot of HTM securities. SVB had 170b in deposits which is a short term liability. So they only had 40b in short term assets to cover 170b in short term liabilities. That's the problem. The problem isn't HTM securities. The problem is diversification.