Deregulation has allowed lenders to operate across state lines, making it easier for banks to merge when they’re in trouble.

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.

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

First up: the biggest financial institutions. They’re likely to show strong results.

In the wake of the Silicon Valley Bank debacle, the 1984 failure of Continental Illinois remains relevant.

The recent bank rescues should serve as a wake-up call for regulators to do more, says senior economics contributor Chris Farrell.

But the probes can’t uncover every problem before trouble erupts.

According to Boston College’s Patricia McCoy, data underscore concerns about the government’s role in risk-taking at banks.

Credit rating agency Moody’s had given Silicon Valley Bank a high rating — right up until it failed.