They’ve been operating under more scrutiny from the federal government and trying to manage the Federal Reserve’s higher interest rates.

The agency wants the country’s largest banks to split the cost of refilling its coffers. But smaller banks aren’t sure they’re in the clear.

Limiting riskier, illiquid investment could make banks and the financial system more stable — but the Federal Reserve isn’t so sure.

But it needs Congress’s blessing.

Some have been moving money to “too big to fail” banks. Others are sticking with community institutions.

Many factors led to Silicon Valley Bank’s collapse, but content creator Kyla Scanlon says “social media risk” accelerated the slide.

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.