Each bank failure is unique, he added, For instance, customers of A&B Financial in Arkansas received 25 percent of their uninsured money from the FDIC; in Nevada, customers of Silver State Bank recouped just 11 percent of their uninsured funds.
I operated under the wrong assumption that no one lost money during the closures because of the kind of panic it would cause. Now I know better and have to do some adjustments.
Note that opening multiple bank accounts at the same bank won't necessarily help.
Maybe just finding a bank "Too Big To Fail" will help. But even that is no guarantee if the losses are too much.