🚨 Breaking News: Heartland Tri-State Bank of Elkhart has gone belly-up! 😲 But fear not, dear customers, as Dream First Bank swoops in to save the day. 🦸‍♂️ Starting July 31, your banking needs will be met by Dream First Bank, so keep calm and carry on. 💼

This marks the first bank collapse since J.P. Morgan acquired the troubled First Republic Bank in May. 📉 Rising interest rates and poor risk management are the culprits behind these bank failures. 📈

But worry not, as the FDIC's Deposit Insurance Fund is here to protect your deposits. 🛡️ And Congress is working on legislation to strengthen the banking system. 💪 So, let's keep our chins up and wallets open! 💸