Laurie Stewart of Sound Community Bank is confident a year after three banks failed, but credit risk and cyber threats are on her radar.

Business owners have taken steps to protect their cash since three regional banks failed last year.

But it needs Congress’s blessing.

JPMorgan Chase’s purchase of First Republic includes its brick-and-mortar locations. In-person interaction is still a key part of the business.

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

JPMorgan acquired First Republic’s assets and customers, but also a lot of outstanding debt.

For one, help from the FDIC, which will absorb up to 80% of the losses coming from First Republic’s residential and commercial loans.

The reverberations of the Silicon Valley Bank collapse have taken down First Republic. What’s next for the financial industry?

Short sellers have made more than a billion dollars betting that First Republic would tank. Is that good for financial stability?

Smaller and regional banks are major lenders not only for office construction, but also building projects like hospitals, educational institutions and ports.