From what I’ve understood, if a bank fails they do have the right to call in any and all debt even if you are paying on time?
As far as I know the fine print in most if not all loans gives the lender the right to call in that note. It rarely happens for any reason and I have only heard of them doing it if they discover fraud. I once knew a rancher that borrowed on his ranch and walked across the street and borrowed again on the same ranch at a different bank before the computer caught up. When it was discovered later that he did that his notes were all called in; even vehicle loans.
Usually notes are sold and the conditions stay the same or if anything is changing you will get a letter explaining any changes so watch for that.