Regulators are more watchful, and banks are trying to be more resourceful.

A significant portion of NYCB’s $252 million in losses last quarter came from losses on commercial real estate loans–a revenue source for other regional banks as well.

New regulation and industry consolidation will be key. Loans may be scarcer for new businesses and in low-income and rural communities.

The recent banking turmoil could further tighten credit conditions and slow down the economy.

One concern: People will put their money in a bigger bank. But there’s a good reason to leave it in smaller institution, one banker says.

Even if you don’t bank with Silicon Valley Bank or Signature Bank, the fallout from their collapses has probably grabbed your attention.

A group of Wall Street banks is planning a rescue package of around $30 billion for First Republic Bank, sources told The Associated Press on Thursday.

They’re letting depositors know that their money is safe and highlighting differences between their banks and the ones that failed.

The feds didn’t take possession of Silicon Valley Bank and Signature Bank. That was up to state regulators in California and New York.

Regulators likely failed to catch and act upon red flags at both failed banks, argues Wharton professor Peter Conti-Brown.