Small bank failure drip persists as FDIC fast tracks sales

Two U.S. banks, Metropolitan Capital Bank & Trust and Community Bank & Trust – West Georgia, have failed in 2026 due to firm-specific issues. Community Bank held $288 million in assets, with $27 million in deposits exceeding FDIC insurance limits. Regulators had flagged issues at the bank earlier, including risky growth strategies. The FDIC is fast-tracking sales of failed banks to mitigate reputational harm, as seen in past failures. Despite these recent collapses, the last decade has seen a steady banking environment with few failures.