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It's a little unique because it's a top 20 bank failing. As far as I can tell, it's not super unique in terms of % of fdic insured deposits.

As a whole it's like <30% FDIC insured in the whole US banking industry.

> they’ll probably get all their money but it will still be bad

They may not. Even for banks where most assets are FDIC insured, you'll see that not 100% of deposits are returned. Selecting a random recent one:

~95%.