U.S. financial regulators have taken decisive action in early 2026, executing their first major bank collapse intervention of the year. The Federal Deposit Insurance Corporation (FDIC) has assumed receivership of Metropolitan Capital Bank & Trust in Illinois, orchestrating a carefully coordinated response to prevent disruption in the banking system. To facilitate a smooth transition and protect depositors, the FDIC arranged for First Independence Bank to assume the majority of the failed institution's deposit portfolio.
The financial impact of this bank collapse has been quantified at approxim