美國共和第一銀行倒閉，這是2024年首家區域銀行倒閉事件

美國聯邦存款保險公司(FDIC)於4月26日宣布，共和第一銀行(Republic First Bank)已經被當地監管機關接管，並同意賣給富爾頓銀行(Fulton Bank)，成為2024年第1家倒閉的美國銀行，上一次倒閉的銀行是2023年11月3日位於愛荷華州薩克城的公民銀行。2023年還有其他幾家美國銀行倒閉，分別是2023年3月先後倒閉的矽谷銀行(SVB)與簽名銀行(SignatureBank)與第一共和銀行(First Republic Bank)。

FDIC表示富爾頓銀行將會承擔幾乎所有的存款，並且收購共和第一銀行所有資產，藉此保護所有客戶。

共和第一銀行位於紐澤西州、賓夕法尼亞州、紐約州等地的32家分行於4/27(週六)或4/29(周一)正常營業時間會以富爾頓銀行分行重新開業。共和第一銀行的存戶將成為富爾頓銀行的存戶，客戶無須改變與銀行的關係即可保留其存款保險範圍。

截至2024年1月31日為止，共和第一銀行總資產約60億美元，存款總額約40億美元。FDIC估計共和第一銀行倒閉，存款保險基金(DIF)損失約6.67億美元。FDIC認為與其他選擇相較，富爾頓銀行收購共和第一銀行是DIF成本最低的解決方案。

Fulton Bank, N.A. of Lancaster, Pennsylvania Assumes Substantially All Deposits of Republic First Bank, Philadelphia (April 26, 2024)

WASHINGTON — Philadelphia-based Republic First Bank (doing business as Republic Bank) was closed today by the Pennsylvania Department of Banking and Securities, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect depositors, the FDIC entered into an agreement with Fulton Bank, National Association of Lancaster, Pennsylvania to assume substantially all of the deposits and purchase substantially all of the assets of Republic Bank.

Republic Bank’s 32 branches in New Jersey, Pennsylvania and New York will reopen as branches of Fulton Bank on Saturday (for branches with normal Saturday hours) or on Monday during normal business hours. This evening and over the weekend, depositors of Republic Bank can access their money by writing checks or using ATM or debit cards. Checks drawn on Republic Bank will continue to be processed and loan customers should continue to make their payments as usual.

Depositors of Republic Bank will become depositors of Fulton Bank so customers do not need to change their banking relationship in order to retain their deposit insurance coverage. Customers of Republic Bank should continue to use their existing branches until they receive notice from Fulton Bank that it has completed systems changes that will allow its branch offices to process their accounts as well.

Customers with questions about Fulton Bank’s acquisition of Republic Bank may call the FDIC toll-free at 1-877-467-0178. The FDIC’s Call Center will be open this evening until 9 p.m. Eastern Time (ET); on Saturday from 9:00 a.m. to 6:00 p.m. ET; on Sunday from noon to 6:00 p.m. ET; on Monday from 8:00 a.m. to 8:00 p.m. ET; and thereafter from 9:00 a.m. to 5:00 p.m. ET. Interested parties may also visit the FDIC’s website.

As of January 31, 2024, Republic Bank had approximately $6 billion in total assets and $4 billion in total deposits.  The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) related to the failure of Republic Bank will be $667 million. The FDIC determined that compared to other alternatives, Fulton Bank’s acquisition of Republic Bank is the least costly resolution for the DIF, an insurance fund created by Congress in 1933 and managed by the FDIC to protect the deposits at the nation’s banks.  Republic Bank is the first U.S. bank failure this year; the last failure was Citizens Bank, Sac City, Iowa on November 3, 2023.

PR-30-2024

Last Updated: April 26, 2024