Silicon Valley Bank, $210 billion in assets, and Signature Bank, $110 billion, are now owned by the federal government. How did the SV Bank mismatch of asset maturity duration versus on-demand deposit liabilities maturity duration get so far out of balance? Is the takeover of a mismanaged regional bank another gift to the too-big-to-fail mega banks? Time will tell what new bank will be allowed to purchase SVB and Signature Bank. Only the Feds know that answer. One thing is for sure: the government regulators missed SVB's slow journey to an upside-down yield curve. Like grounding a tanker ship onto shallow shore rocks, bank management was blind to pilot the bank's assets and liability duration. Is Biden's policy decision to guarantee all deposits in excess of the FDIC $250K limit mean these two banks are getting a tax payer bail-out? Or is it just a Fed loan to prevent a panic and other bank failures? The panel discusses this new direction of bank government oversight.

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