THE SOVEREIGN LEDGER™ #195 — SIX BANK FAILURES, 47 PROBLEM BANKS, AND THE FRACTIONAL-RESERVE STRUCTURE THAT KEEPS PRODUCING BOTH
Six FDIC-insured banks have closed in 2026, the FDIC counts 47 problem institutions, and industry earnings reached $90.1 billion in one quarter. I separate what that evidence proves from what it does not, explain how bank money works, and give you an 82-day plan to move verified capital faster, with clearer authority and more control.