My question, as well, however, FDIC banks are possibly held to a stronger requirement for a “mixed basket” than Fed and OCC banks.
The FDIC was making sure no bank had concentrations in any one market segment, unless it was clearly government-backed “safe.” Consequently, with bigger reserves and small portions of overall portfolios in specific industries, I don’t expect FDIC banks to have a real concern.
The Fed was always more lenient, probably because the FDIC is the entity that has to clean up their messes.
The FDIC’s hands in Atlanta weren’t clean leading up to the 2008 crisis. Witness the high percentage of bank failures in that region.
Well, postponing the inevitable just increases the opportunities later.