The banking crisis continues unabated. Before we get to the meat of the topic, let’s go ahead and list the 15 banks being discussed in the video so you can quickly see if yours is named…
- Ally Financial
- Comerica
- KeyCorp
- Truist Financial Corporation
- Pacific Premier Bank Corp
- Sandy Spring Bancorp
- Popular Bank
- Zions Bancorporation
- Eastern Bankshares
- Bank of Hawaii
- Silvergate
- PacWest Bank
- Western Alliance Bancorp
- Homestreet Bank
- Citizens Financial Group
Now, the full article by Epic Economist…
America is about to see a cascade of bank failures, and the future of hundreds of regional banks is on the line right now. The collapse of Silicon Valley Bank, Signature Bank, Credit Suisse and First Republic marked the start of a reckoning in a sector that is being severely impacted by rising interest rates, souring loans, lower deposit rates, and falling profits in 2023. Many institutions have high exposure to risky assets, something that account holders will probably only find out after a major crisis erupts and they can no longer withdraw their funds.
Regional banks are particularly endangered due to the fact that the Federal Reserve’s aggressive interest rate hikes have eroded the value of bank assets such as government bonds and mortgage-backed securities. Most bonds pay a fixed interest rate that becomes attractive when interest rates fall, driving up demand and the price of the bond. In contrast, if interest rates rise, investors will no longer prefer the lower fixed interest rate paid by a bond, thus driving down its price. No wonder why some institutions have lost more than 80% of their market capitalization this year.
For example, Pacific West Bank may be the fourth California bank to fall this year. According to Ed Moya, a senior market analyst at Oanda, the company’s terrible performance on financial markets is a major indicator of trouble. The bank recently revealed that outflows started to rise again, leading its shares to drop 22.7% in a single day, which further extended its recent declines.
PacWest’s shares have now fallen more than 50% this month and nearly 80% for the year. Adding assault to injury, the bank said in a securities filing that its deposits declined 9.5% in the last quarter. “PacWest is starting to look like the weakest link and some traders are wondering if they will fail or have a sale,” Moya revealed.
“Our calculations suggest these banks are certainly at a potential risk of a run, absent other government intervention or recapitalization,” economists with the Social Science Research Network wrote in a new report.
“The recent declines in bank asset values very significantly increased the fragility of the U.S. banking system to uninsured depositor runs,” they noted.
A run on these banks could pose a risk to even insured depositors − those with $250,000 or less in the bank − as the FDIC’s deposit insurance fund starts incurring losses. These institutions represent just a small share of the more than 200 banks that are vulnerable to the same type of risk that took down Silicon Valley Bank.
The potential impact of all of these institutions being at risk at the same time could be significant for the banking sector and the broader economy. If a small number of these banks were to fail, it could lead to a domino effect, causing other banks to fail as well. This could create a nationwide credit crunch, making it even more difficult for businesses and consumers to access credit and slowing economic growth.
The truth is that a single bank run on one of these vulnerable institutions could cause a ripple effect, leading depositors to withdraw funds from other banks as well. That would spark panic on financial markets and the public could lose confidence in the banking system as a whole, a scenario similar to what happened when the Great Depression started to unfold in the 1930s.
It seems that a financial crisis may erupt sooner than we all thought, and we are certainly no prepared to deal with its repercussions. And the companies listed in this video could be the next to break down all around us.
Three Reasons a Coffee Gift Set From This Christian Company Is Perfect for Christmas
When you’re searching for a Christmas gift that’s meaningful, useful, and rooted in faith, you don’t want to settle for anything generic. This season is filled with noise — mass-produced products, last-minute picks, and trends that fade as quickly as they appear. But one gift stands apart because it blends genuine quality with a message that matters: a coffee gift set from Promised Grounds Coffee.
This small Christian-owned company has become a favorite among believers who want to support faith-driven businesses while giving friends and family something they’ll actually enjoy. Here are three reasons a Promised Grounds Coffee gift set may be the most thoughtful and impactful present you give this year.
1. It’s Truly Delicious Coffee
Too many “gift-worthy” coffees look beautiful in the package but disappoint when the cup is poured. Promised Grounds takes the opposite approach — exceptional taste first, thoughtful presentation second.
Their beans are sourced with care, roasted in small batches, and crafted to bring out a rich, smooth flavor profile that appeals to both casual drinkers and true coffee lovers. Whether someone enjoys bold, dark roasts or lighter, more delicate blends, every sip reflects quality that stands shoulder-to-shoulder with the biggest specialty brands.
Simply put: this coffee is good. Really good. Some say it’s absolutely fantastic. If you want a gift that won’t be re-gifted, ignored, or shoved in a cabinet, this is it.
2. It Spreads the Word While Serving a Real Purpose
There are many Christian gifts that are meaningful… but not exactly practical. There are also useful gifts that have nothing to do with faith. Promised Grounds Coffee bridges both worlds beautifully.
Each gift set delivers an encouraging, faith-centered message through its packaging and presentation — a simple but powerful reminder of God’s goodness during the Christmas season. The cups are especially popular and serve as a daily reminder of the blessings from our Lord. At the same time, the product itself is something people will actually use and appreciate every single day.
It’s a gift that uplifts the spirit and fills the mug. A gift that points loved ones toward Scripture while still being part of the normal rhythm of life. And in a culture that increasingly pushes faith to the margins, giving a gift that quietly but confidently honors Christ can make a deeper impact than you might expect.
3. It’s Affordable, Valuable, and Elegantly Presented
Many people want to give something meaningful without breaking their Christmas budget. Promised Grounds Coffee strikes that perfect balance — the sets look and feel premium, but the price remains accessible.
The packaging is classy, clean, and gift-ready, making it ideal for:
- Family members of all ages
- Co-workers or employees
- Church friends or small-group leaders
- Hosts, neighbors, and last-minute gift needs
It’s the kind of gift that feels more expensive than it is — and more thoughtful than most of what you’ll find on store shelves.
The Perfect Blend of Faith, Flavor, and Christmas Cheer
A coffee gift set from Promised Grounds Coffee checks every box: a gift that tastes amazing, conveys your faith, supports a Christian business, and brings daily enjoyment to the person who receives it. In a season when so many gifts are forgotten, this one stands out for all the right reasons.
If you want a Christmas present that reflects your values and delivers genuine joy, Promised Grounds Coffee is the perfect place to start.
Let’s call this what it is, a manipulation into consolidation for further wealth and control by the oligarchs.
Completely agree with that!!!
A number of those banks listed long ago halted basic banking services to consumers —— a sure strategy for self–destruction?!
Why anyone would keep any cash in a bank ( other than working capitol ) is crazy. 3 week T-Bills are paying over 5% right now whereas most all banks are paying 1% or less.