The New York Fed Dug Through 3,000 Bank Runs and Found a Surprising Reason Banks Actually Fail

Benzinga20:21

Researchers at the Federal Reserve Bank of New York said Tuesday that poor bank fundamentals, rather than bank runs alone, are the key factor behind banking crises, based on a new study examining more...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

We need your insight to fill this gap

Leave a comment

{"i18n":{"language":"en_US"},"isChannel":false,"data":{"share":"https://ttm.financial/m/news/2649999557?lang=en_US&edition=fundamental","thumbnail":"https://cdn.benzinga.com/cdn-cgi/image/width=260,format=auto,quality=85/files/images/story/2026/07/08/Digital-Gold-Price-Stock-Market-Trading-.jpg","is_english":true,"pubTime":"2026-07-08 20:21","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2649999557","market":"sh","top_or_hot":-1,"title":"The New York Fed Dug Through 3,000 Bank Runs and Found a Surprising Reason Banks Actually Fail","media":"Benzinga","content":"<div>\n<p>Researchers at the Federal Reserve Bank of New York said Tuesday that poor bank fundamentals, rather than bank runs alone, are the key factor behind banking crises, based on a new study examining more...</p>\n\n<a href=\"https://www.benzinga.com/news/financing/26/07/60328853/the-new-york-fed-dug-through-3000-bank-runs-and-found-a-surprising-reason-banks-actually-fail\">Source Link</a>\n\n</div>\n","source":"benzinga_hot_news","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>The New York Fed Dug Through 3,000 Bank Runs and Found a Surprising Reason Banks Actually Fail</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nThe New York Fed Dug Through 3,000 Bank Runs and Found a Surprising Reason Banks Actually Fail\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-07-08 20:21 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.benzinga.com/news/financing/26/07/60328853/the-new-york-fed-dug-through-3000-bank-runs-and-found-a-surprising-reason-banks-actually-fail><strong>Benzinga</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Researchers at the Federal Reserve Bank of New York said Tuesday that poor bank fundamentals, rather than bank runs alone, are the key factor behind banking crises, based on a new study examining more...</p>\n\n<a href=\"https://www.benzinga.com/news/financing/26/07/60328853/the-new-york-fed-dug-through-3000-bank-runs-and-found-a-surprising-reason-banks-actually-fail\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"TLH","symbol_name":"iShares安硕10-20年国债ETF","start_time":0,"source_url":"https://www.benzinga.com/news/financing/26/07/60328853/the-new-york-fed-dug-through-3000-bank-runs-and-found-a-surprising-reason-banks-actually-fail","article_id":"2649999557","we_media_id":null,"thumbnails":["https://cdn.benzinga.com/cdn-cgi/image/width=260,format=auto,quality=85/files/images/story/2026/07/08/Digital-Gold-Price-Stock-Market-Trading-.jpg"],"rights":{"source":"benzinga_hot_news","url":"https://www.benzinga.com/news/financing/26/07/60328853/the-new-york-fed-dug-through-3000-bank-runs-and-found-a-surprising-reason-banks-actually-fail","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2649999557","pubTimestamp":1783513260,"columns":[],"sourceInfo":{"source_id":"benzinga_hot_news","name":"Benzinga"},"weMediaInfo":null,"summary":"New York Fed research finds weak bank fundamentals, not bank runs alone, are the main driver of banking crises.","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"TLH":"iShares安硕10-20年国债ETF","AGG":"债券指数ETF-iShares Barclays综合国债","MINT":"PIMCO Enhanced Short Maturity Exchange-Traded Fund","VFH":"Vanguard Financials ETF","UUP":"美元ETF-PowerShares DB","ZROZ":"PIMCO 25+ Year Zero Coupon U.S","UBT":"债券20+美国债-ProShares两倍做多","BOXX":"ALPHA ARCHITECT 1-3 MONTH BOX ETF","TBIL":"US Treasury 3 Month Bill ETF","SHV":"美国短期国债ETF-iShares","GOVT":"iShares安硕核心美国国债ETF","SCHO":"嘉信短期美国国债ETF","LQD":"债券指数ETF-iShares iBoxx投资级公司债","VCSH":"美国短期公司债-Vanguard","GOLY":"Strategy Shares Gold Enhanced Yield ETF","TYO":"3倍做空7-10年期国债ETF-Direxion","TIP":"通胀债券指数ETF-iShares Barclays","SHY":"债券指数ETF-iShares Barclays 1-3年国债","FAZ":"三倍做空金融ETF-Direxion","KRX":"KBW区域银行业指数","KBE":"银行指数ETF-SPDR KBW","NGHT":"Nicholas Bitcoin and Treasuries AfterDark ETF","VGSH":"美国短期国债ETF-Vanguard","TMF":"3倍做多20年期以上国债ETF-Direxion","DPST":"Direxion每日三倍做多区域银行股ETF","EDV":"美国延期国债ETF-Vanguard","VCIT":"美国中期公司债-Vanguard","BOND":"Pimco Total Return ETF","UDN":"做空美元指数-PowerShares","IAT":"安硕美国地区银行ETF","JPST":"JPMorgan Ultra-Short Income ETF","VGIT":"中期国债ETF-Vanguard","HYG":"债券指数ETF-iShares iBoxx高收益公司债","USHY":"iShares Broad USD High Yield Corporate Bond ETF","TBT":"债券20+美国债指数ETF-ProShares两倍做空","DBND":"DoubleLine Opportunistic Bond ETF","GBIL":"Goldman Sachs Access Treasury 0-1 Year ETF","VGLT":"美国长期国债ETF-Vanguard","KRE":"区域银行指数ETF-SPDR KBW","TLTW":"iShares 20+ Year Treasury Bond Buywrite Strategy ETF","BIL":"债券指数ETF-SPDR Barclays美国1-3月国债","IEI":"iShares Barclays 3-7 Year Trea","BND":"债券指数ETF-Vanguard美国","SKRE":"TUTTLE CAPITAL DAILY 2X INVERSE REGIONAL BANKS ETF","BSV":"短期国债指数ETF-Vanguard","MUB":"美国市政债ETF-iShares","PBDC":"Putnam Bdc Income ETF"},"translate_title":"纽约联储挖掘了3,000起银行挤兑事件，发现了银行实际上倒闭的令人惊讶的原因","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"BIL":1.5,"BSV":1.5,"VGSH":1.5,"GOVT":1.5,"UBT":1.5,"TYO":1.5,"VCSH":1.5,"IAT":0.6,"TMF":1.5,"UDN":1.5,"VGLT":1.5,"KRE":0.6,"FAZ":1.5,"DPST":0.6,"AGG":1.5,"SHV":1.5,"TNmain":0.6,"MUB":1.5,"BND":1.5,"EDV":1.5,"TLTW":1.5,"HYG":1.5,"ZBmain":0.6,"MINT":1.5,"KRX":0.6,"TBIL":1.5,"VFH":0.6,"KBE":1.5,"BOXX":1.5,"SCHO":1.5,"UUP":1.5,"VCIT":1.5,"ZROZ":1.5,"JPST":1.5,"DBND":1.5,"PBDC":1.5,"ZFmain":0.6,"TBT":1.5,"USHY":1.5,"BOND":1.5,"TIP":1.5,"GBIL":1.5,"SHY":1.5,"LQD":1.5,"NGHT":1.5,"VGIT":1.5,"GOLY":1.5,"SKRE":1.5,"IEI":1.5,"TLH":1.5},"content_text":"Researchers at the Federal Reserve Bank of New York said Tuesday that poor bank fundamentals, rather than bank runs alone, are the key factor behind banking crises, based on a new study examining more than 3,000 U.S. bank runs between 1863 and 1934.\nA bank run occurs when large numbers of depositors withdraw their money simultaneously because they fear a bank could fail. While bank runs have long been viewed as a trigger for financial crises, the researchers said their findings suggest they become economically damaging mainly when banks are already financially weak.\nThe study, published on the New York Fed’s Liberty Street Economics blog, used large language models (LLMs) to analyze millions of digitized historical newspaper articles, creating what the researchers described as the most comprehensive database of U.S. bank runs to date.\nThe researchers found that weak banks were considerably more likely to experience runs than healthier institutions. While runs also occurred at financially strong banks, those banks almost always survived.\nAmong banks that experienced a run, about 38% ultimately failed, suggesting a run is not necessarily a death sentence. Banks with the weakest financial health had about a 63% probability of failing after a run, while the strongest banks rarely failed.\nThe study also found that bank runs leading to failures caused significantly larger declines in local lending and manufacturing activity than runs where banks remained open.\nThe researchers concluded that the evidence offers little support for the idea that relatively small shocks alone can trigger widespread banking panics. Instead, bank runs should be viewed as a trigger that exposes deeper weaknesses in financially troubled institutions.\nDisclaimer: This content was produced with the help of AI tools and was reviewed and published by Benzinga editors.\nImage via Shutterstock\nTo add Benzinga News as your preferred source on Google, click here.","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"isLaohu8Offline":false,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.45.2","shortVersion":"4.45.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2649999557","isCrawlerRequest":true}