> De novo banks open all the time. 13 new de novo started business in 2022

In a $25T economy, 13 new banks (roughly 1 for every 4 states) effectively rounds down to zero. There is a trivial amount of new bank creation relative to the size and dynamism of our country and economy.

In a more liberal banking regime, one could easily imagine 2022 having seen 13 new banks chartered in the northern half of California alone.