The Risk of a Bank Run in the US

I don't think any bank could really prepare for a bank run of this magnitude. Probably the thing that allowed first Republic to withstand $100 billion of deposit flight was not any kind of preparation that they did internally. The Federal Reserve threw the discount window wide open and basically lending unlimited amounts of money to banks to cover deposit flight at the discount window. First Republic took full advantage of that and had massive debts to the Fed and to the Federal Home Loan Banks when it failed, all of which were repaid. In SUBS case, the FDIC and the Treasury declared the systemic risk exception that would allow the FDIC to ensure all deposits rather than just deposits under $250,000. But in