At the end of January 2026, the bank
Metropolitan Capital Bank & Trust
was declared bankrupt.
Unfortunately (or fortunately for the headlines),
it coincided with the market crash.
And then everything happened according to the classic scenario.
Many authors, riding the wave of hype, brought familiar ideas to the masses:
the collapse of banks,
the system is cracking,
everything is lost, the plaster is coming off, the client is leaving,
where to run and what to save?
The words are loud.
They read well.
They disperse quickly.
But let's calmly look at what actually happened.
What bank was this?
This is neither a giant nor a systemically important player.
This is a small regional bank from Chicago.
He:
worked with local businesses,
did not hold the economy of the country on his shoulders,
was not 'too big to fail'.
Why did it go bankrupt?
No conspiracy theories or dramaturgy.
1. Capital problems
Simply put — the bank ran out of its own money to safely withstand risks.
This does not happen overnight.
This is the result of time, mistakes, and environmental pressure.
2. The tough conditions of recent years
High rates.
Expensive money.
More cautious clients.
More stringent regulators.
What used to 'pull' has stopped pulling.
What happened next?
Regulators did exactly what they should do in such situations:
the bank was closed
management was transferred
clients' deposits were protected
No panic.
No show.
According to procedure.
Why was the reaction so loud?
Not because something unique happened.
And because:
the market is already nervous
people remember past banking stories
the word 'bankruptcy' always scares and this was the first case of the year.
Sometimes one event is enough for fears to resurface.
What follows from this?
This is not a collapse of the banking system
This is not the beginning of a chain reaction
This is not a 'run' signal
This is a local story of one weak link.
in a stricter financial environment.
Don’t worry, be happy.
Yours, Fibonacci.
