article mentions a few interesting things to consider if you're worried about your bank. According to the article, "Historically, most banks on the problem bank list do not fail." Also, a bank industry analyst mentioned that "The FDIC has quietly adopted a policy of protecting all deposits in a bank failure if they can." For the vast majority of the recent bank failures, all deposits have been assumed by acquiring banks. It would be interesting to know more about how this FDIC policy was adopted. My guess is that it came after IndyMac's failure when many depositors lost half of their uninsured money.