How a Regional Bank Survived the 2023 Crisis Without a Bailout

In March 2023, Silicon Valley Bank collapsed in 48 hours. But 90 miles south, a lesser-known regional lender — First Citizens Bank — faced similar deposit pressure and not only survived but thrived. How? This episode drills into the specific liquidity playbook First Citizens used: its decision to avoid heavy exposure to long-duration Treasuries, its use of the Federal Home Loan Bank system for emergency funding, and its post-crisis acquisition of SVB's assets. We anchor the conversation in today's environment — May 2026 — with the VIX at 16.59 and job openings sliding to 6.866 million, a reminder that liquidity discipline matters even when markets feel calm. Lucas and Luna explore whether First Citizens' strategy was a one-off or a template for smaller banks navigating the next downturn. #FirstCitizensBank #RegionalBanking #SVBCollapse #BankingCrisis #LiquidityManagement #FederalHomeLoanBank #TreasuryDuration #FDIC #BankRun #InterestRateRisk #CrisisManagement #BusinessSurvival #FinancialStability #BankAcquisition #FHLB #Business #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo