Recent small-bank failures, including Metropolitan Capital Bank & Trust in January and Community Bank and Trust-West Georgia in May 2026, alongside the FDIC’s 2026 Risk Review, highlight persistent pressures from interest-rate risk, funding costs, and commercial real estate credit exposure. Net interest margins improved to 3.30 percent last year as deposit costs fell faster than asset yields, while the number of problem banks stayed within the normal 1–2 percent range. Large institutions demonstrated resilience in the latest Federal Reserve stress tests, with aggregate CET1 capital ratios projected to remain well above regulatory minimums under severely adverse scenarios. Traders are therefore weighing subdued lending growth, geopolitical uncertainties, and potential rate-path volatility against these buffers when assessing the probability of additional failures through year-end 2026.
基於Polymarket數據的AI實驗性摘要。這不是交易建議，也不影響該市場的結算方式。 · 更新於$22,146 交易量
2026-12-31
BMO
41%
Lloyds
23%
美國銀行
8%
加拿大豐業銀行
8%
Santander
7%
瑞銀
7%
BNY
7%
RBC
7%
富國銀行
7%
美國銀行
6%
摩根大通
6%
摩根士丹利
6%
德意志銀行
6%
法國巴黎銀行
5%
花旗集團
5%
KeyBank
4%
高盛
3%
滙豐
1%
Truist
31%
$22,146 交易量
BMO
$269 交易量
41%
Lloyds
$5,874 交易量
23%
美國銀行
$18 交易量
8%
加拿大豐業銀行
$0 交易量
8%
Santander
$42 交易量
7%
瑞銀
$90 交易量
7%
BNY
$43 交易量
7%
RBC
$104 交易量
7%
富國銀行
$23 交易量
7%
美國銀行
$34 交易量
6%
摩根大通
$419 交易量
6%
摩根士丹利
$157 交易量
6%
德意志銀行
$672 交易量
6%
法國巴黎銀行
$111 交易量
5%
花旗集團
$0 交易量
5%
KeyBank
$7,103 交易量
4%
高盛
$75 交易量
3%
滙豐
$363 交易量
1%
Truist
$6,750 交易量
31%
This market will resolve to “Yes” if the listed bank fails between market creation and December 31, 2026, 11:59 PM ET. Otherwise, this market will resolve to “No.”
For the purposes of this market, the listed bank will be considered to have “failed” if any of the following occurs under the bank’s applicable legal or regulatory framework, within the listed date range:
- The listed bank’s primary banking regulator formally declares the institution insolvent or non-viable, or withdraws or revokes the bank’s license or authorization, and such determination initiates or directly results in resolution, liquidation, wind-down, or transfer actions.
- The listed bank enters a court-ordered liquidation, statutory resolution regime, or regulator-mandated wind-down, including the use of resolution tools such as bail-ins, forced asset transfers, or the establishment of a bridge bank.
- A government or resolution authority intervenes in a manner that wipes out or subordinates existing equity of the listed bank and transfers effective control of the bank to the state or a designated resolution authority, with continued operations dependent on official intervention.
- The listed bank publicly defaults on a payment obligation, including derivatives margin, repo, or physical commodity delivery, and such default is formally acknowledged by the bank’s primary regulator or resolution authority and directly results in the initiation of resolution, liquidation, license withdrawal, or regulator-mandated transfer of the bank.
- The listed bank is subject to a compulsory merger, acquisition, or transfer of all or substantially all of its assets and liabilities ordered or directed by its primary banking regulator or resolution authority due to the bank’s financial condition or to prevent failure, regardless of whether a formal insolvency declaration or immediate equity wipeout is publicly announced at the time of transfer.
If there is a potential failure of the listed bank within this market’s date range and a qualifying regulatory or court action has occurred but has not yet been fully published by the relevant authority, this market may remain open until April 30, 2027, 11:59 PM ET to allow for confirmation. If no qualifying failure is confirmed by that date, this market will resolve to “No.”
The primary resolution source for this market will be official statements, filings, or actions by the listed bank’s primary banking regulator or resolution authority; however, a consensus of credible reporting may also be used.Recent small-bank failures, including Metropolitan Capital Bank & Trust in January and Community Bank and Trust-West Georgia in May 2026, alongside the FDIC’s 2026 Risk Review, highlight persistent pressures from interest-rate risk, funding costs, and commercial real estate credit exposure. Net interest margins improved to 3.30 percent last year as deposit costs fell faster than asset yields, while the number of problem banks stayed within the normal 1–2 percent range. Large institutions demonstrated resilience in the latest Federal Reserve stress tests, with aggregate CET1 capital ratios projected to remain well above regulatory minimums under severely adverse scenarios. Traders are therefore weighing subdued lending growth, geopolitical uncertainties, and potential rate-path volatility against these buffers when assessing the probability of additional failures through year-end 2026.
This market will resolve to “Yes” if the listed bank fails between market creation and December 31, 2026, 11:59 PM ET. Otherwise, this market will resolve to “No.”
For the purposes of this market, the listed bank will be considered to have “failed” if any of the following occurs under the bank’s applicable legal or regulatory framework, within the listed date range:
- The listed bank’s primary banking regulator formally declares the institution insolvent or non-viable, or withdraws or revokes the bank’s license or authorization, and such determination initiates or directly results in resolution, liquidation, wind-down, or transfer actions.
- The listed bank enters a court-ordered liquidation, statutory resolution regime, or regulator-mandated wind-down, including the use of resolution tools such as bail-ins, forced asset transfers, or the establishment of a bridge bank.
- A government or resolution authority intervenes in a manner that wipes out or subordinates existing equity of the listed bank and transfers effective control of the bank to the state or a designated resolution authority, with continued operations dependent on official intervention.
- The listed bank publicly defaults on a payment obligation, including derivatives margin, repo, or physical commodity delivery, and such default is formally acknowledged by the bank’s primary regulator or resolution authority and directly results in the initiation of resolution, liquidation, license withdrawal, or regulator-mandated transfer of the bank.
- The listed bank is subject to a compulsory merger, acquisition, or transfer of all or substantially all of its assets and liabilities ordered or directed by its primary banking regulator or resolution authority due to the bank’s financial condition or to prevent failure, regardless of whether a formal insolvency declaration or immediate equity wipeout is publicly announced at the time of transfer.
If there is a potential failure of the listed bank within this market’s date range and a qualifying regulatory or court action has occurred but has not yet been fully published by the relevant authority, this market may remain open until April 30, 2027, 11:59 PM ET to allow for confirmation. If no qualifying failure is confirmed by that date, this market will resolve to “No.”
The primary resolution source for this market will be official statements, filings, or actions by the listed bank’s primary banking regulator or resolution authority; however, a consensus of credible reporting may also be used.
For the purposes of this market, the listed bank will be considered to have “failed” if any of the following occurs under the bank’s applicable legal or regulatory framework, within the listed date range:
- The listed bank’s primary banking regulator formally declares the institution insolvent or non-viable, or withdraws or revokes the bank’s license or authorization, and such determination initiates or directly results in resolution, liquidation, wind-down, or transfer actions.
- The listed bank enters a court-ordered liquidation, statutory resolution regime, or regulator-mandated wind-down, including the use of resolution tools such as bail-ins, forced asset transfers, or the establishment of a bridge bank.
- A government or resolution authority intervenes in a manner that wipes out or subordinates existing equity of the listed bank and transfers effective control of the bank to the state or a designated resolution authority, with continued operations dependent on official intervention.
- The listed bank publicly defaults on a payment obligation, including derivatives margin, repo, or physical commodity delivery, and such default is formally acknowledged by the bank’s primary regulator or resolution authority and directly results in the initiation of resolution, liquidation, license withdrawal, or regulator-mandated transfer of the bank.
- The listed bank is subject to a compulsory merger, acquisition, or transfer of all or substantially all of its assets and liabilities ordered or directed by its primary banking regulator or resolution authority due to the bank’s financial condition or to prevent failure, regardless of whether a formal insolvency declaration or immediate equity wipeout is publicly announced at the time of transfer.
If there is a potential failure of the listed bank within this market’s date range and a qualifying regulatory or court action has occurred but has not yet been fully published by the relevant authority, this market may remain open until April 30, 2027, 11:59 PM ET to allow for confirmation. If no qualifying failure is confirmed by that date, this market will resolve to “No.”
The primary resolution source for this market will be official statements, filings, or actions by the listed bank’s primary banking regulator or resolution authority; however, a consensus of credible reporting may also be used.
市場開放時間： Apr 8, 2026, 7:20 PM ET
交易量
$22,146結束日期
2026-12-31市場開放時間
Apr 8, 2026, 7:20 PM ETResolver
0x65070BE91...This market will resolve to “Yes” if the listed bank fails between market creation and December 31, 2026, 11:59 PM ET. Otherwise, this market will resolve to “No.”
For the purposes of this market, the listed bank will be considered to have “failed” if any of the following occurs under the bank’s applicable legal or regulatory framework, within the listed date range:
- The listed bank’s primary banking regulator formally declares the institution insolvent or non-viable, or withdraws or revokes the bank’s license or authorization, and such determination initiates or directly results in resolution, liquidation, wind-down, or transfer actions.
- The listed bank enters a court-ordered liquidation, statutory resolution regime, or regulator-mandated wind-down, including the use of resolution tools such as bail-ins, forced asset transfers, or the establishment of a bridge bank.
- A government or resolution authority intervenes in a manner that wipes out or subordinates existing equity of the listed bank and transfers effective control of the bank to the state or a designated resolution authority, with continued operations dependent on official intervention.
- The listed bank publicly defaults on a payment obligation, including derivatives margin, repo, or physical commodity delivery, and such default is formally acknowledged by the bank’s primary regulator or resolution authority and directly results in the initiation of resolution, liquidation, license withdrawal, or regulator-mandated transfer of the bank.
- The listed bank is subject to a compulsory merger, acquisition, or transfer of all or substantially all of its assets and liabilities ordered or directed by its primary banking regulator or resolution authority due to the bank’s financial condition or to prevent failure, regardless of whether a formal insolvency declaration or immediate equity wipeout is publicly announced at the time of transfer.
If there is a potential failure of the listed bank within this market’s date range and a qualifying regulatory or court action has occurred but has not yet been fully published by the relevant authority, this market may remain open until April 30, 2027, 11:59 PM ET to allow for confirmation. If no qualifying failure is confirmed by that date, this market will resolve to “No.”
The primary resolution source for this market will be official statements, filings, or actions by the listed bank’s primary banking regulator or resolution authority; however, a consensus of credible reporting may also be used.Recent small-bank failures, including Metropolitan Capital Bank & Trust in January and Community Bank and Trust-West Georgia in May 2026, alongside the FDIC’s 2026 Risk Review, highlight persistent pressures from interest-rate risk, funding costs, and commercial real estate credit exposure. Net interest margins improved to 3.30 percent last year as deposit costs fell faster than asset yields, while the number of problem banks stayed within the normal 1–2 percent range. Large institutions demonstrated resilience in the latest Federal Reserve stress tests, with aggregate CET1 capital ratios projected to remain well above regulatory minimums under severely adverse scenarios. Traders are therefore weighing subdued lending growth, geopolitical uncertainties, and potential rate-path volatility against these buffers when assessing the probability of additional failures through year-end 2026.
This market will resolve to “Yes” if the listed bank fails between market creation and December 31, 2026, 11:59 PM ET. Otherwise, this market will resolve to “No.”
For the purposes of this market, the listed bank will be considered to have “failed” if any of the following occurs under the bank’s applicable legal or regulatory framework, within the listed date range:
- The listed bank’s primary banking regulator formally declares the institution insolvent or non-viable, or withdraws or revokes the bank’s license or authorization, and such determination initiates or directly results in resolution, liquidation, wind-down, or transfer actions.
- The listed bank enters a court-ordered liquidation, statutory resolution regime, or regulator-mandated wind-down, including the use of resolution tools such as bail-ins, forced asset transfers, or the establishment of a bridge bank.
- A government or resolution authority intervenes in a manner that wipes out or subordinates existing equity of the listed bank and transfers effective control of the bank to the state or a designated resolution authority, with continued operations dependent on official intervention.
- The listed bank publicly defaults on a payment obligation, including derivatives margin, repo, or physical commodity delivery, and such default is formally acknowledged by the bank’s primary regulator or resolution authority and directly results in the initiation of resolution, liquidation, license withdrawal, or regulator-mandated transfer of the bank.
- The listed bank is subject to a compulsory merger, acquisition, or transfer of all or substantially all of its assets and liabilities ordered or directed by its primary banking regulator or resolution authority due to the bank’s financial condition or to prevent failure, regardless of whether a formal insolvency declaration or immediate equity wipeout is publicly announced at the time of transfer.
If there is a potential failure of the listed bank within this market’s date range and a qualifying regulatory or court action has occurred but has not yet been fully published by the relevant authority, this market may remain open until April 30, 2027, 11:59 PM ET to allow for confirmation. If no qualifying failure is confirmed by that date, this market will resolve to “No.”
The primary resolution source for this market will be official statements, filings, or actions by the listed bank’s primary banking regulator or resolution authority; however, a consensus of credible reporting may also be used.
For the purposes of this market, the listed bank will be considered to have “failed” if any of the following occurs under the bank’s applicable legal or regulatory framework, within the listed date range:
- The listed bank’s primary banking regulator formally declares the institution insolvent or non-viable, or withdraws or revokes the bank’s license or authorization, and such determination initiates or directly results in resolution, liquidation, wind-down, or transfer actions.
- The listed bank enters a court-ordered liquidation, statutory resolution regime, or regulator-mandated wind-down, including the use of resolution tools such as bail-ins, forced asset transfers, or the establishment of a bridge bank.
- A government or resolution authority intervenes in a manner that wipes out or subordinates existing equity of the listed bank and transfers effective control of the bank to the state or a designated resolution authority, with continued operations dependent on official intervention.
- The listed bank publicly defaults on a payment obligation, including derivatives margin, repo, or physical commodity delivery, and such default is formally acknowledged by the bank’s primary regulator or resolution authority and directly results in the initiation of resolution, liquidation, license withdrawal, or regulator-mandated transfer of the bank.
- The listed bank is subject to a compulsory merger, acquisition, or transfer of all or substantially all of its assets and liabilities ordered or directed by its primary banking regulator or resolution authority due to the bank’s financial condition or to prevent failure, regardless of whether a formal insolvency declaration or immediate equity wipeout is publicly announced at the time of transfer.
If there is a potential failure of the listed bank within this market’s date range and a qualifying regulatory or court action has occurred but has not yet been fully published by the relevant authority, this market may remain open until April 30, 2027, 11:59 PM ET to allow for confirmation. If no qualifying failure is confirmed by that date, this market will resolve to “No.”
The primary resolution source for this market will be official statements, filings, or actions by the listed bank’s primary banking regulator or resolution authority; however, a consensus of credible reporting may also be used.
交易量
$22,146結束日期
2026-12-31市場開放時間
Apr 8, 2026, 7:20 PM ETResolver
0x65070BE91...Recent small-bank failures, including Metropolitan Capital Bank & Trust in January and Community Bank and Trust-West Georgia in May 2026, alongside the FDIC’s 2026 Risk Review, highlight persistent pressures from interest-rate risk, funding costs, and commercial real estate credit exposure. Net interest margins improved to 3.30 percent last year as deposit costs fell faster than asset yields, while the number of problem banks stayed within the normal 1–2 percent range. Large institutions demonstrated resilience in the latest Federal Reserve stress tests, with aggregate CET1 capital ratios projected to remain well above regulatory minimums under severely adverse scenarios. Traders are therefore weighing subdued lending growth, geopolitical uncertainties, and potential rate-path volatility against these buffers when assessing the probability of additional failures through year-end 2026.
基於Polymarket數據的AI實驗性摘要。這不是交易建議，也不影響該市場的結算方式。 · 更新於
警惕外部連結哦。
警惕外部連結哦。
Frequently Asked Questions