Only for equity holders in the bank, and really with the current lending program from the Fed, they have some breathing room to fix their mess. The question is

Only for equity holders in the bank, and really with the current lending program from the Fed, they have some breathing room to fix their mess. The question is, will they listen and fix their mess in time. That said, if you are holding more than your FDIC limit, one should probably fix that and re-allocate to stay within the FDIC limits(Generally $250k/person/bank).