Trader consensus on Polymarket prices "No" at a market-implied 99.4% probability for another U.S. bank failure by March 31, driven by the FDIC's failed bank list showing no additional closures since Metropolitan Capital Bank & Trust shuttered on January 30—the lone 2026 incident to date. This reflects broader banking sector resilience, with industry-wide CET1 capital ratios exceeding 12%, steady deposit growth, and contained commercial real estate (CRE) exposures amid stabilizing property values. Post-2023 reforms have bolstered liquidity buffers, reducing systemic tail risks. Remaining uncertainties include sudden CRE loan defaults from office vacancies or unforeseen cyber disruptions to regional lenders, though proximity to resolution minimizes their impact. Q1 bank earnings will further validate asset quality trends.
Experimental AI-generated summary referencing Polymarket data · Updated$114,411 Vol.
$114,411 Vol.
$114,411 Vol.
$114,411 Vol.
For this market to resolve to "Yes", the bank's closing date as listed by the FDIC must be within this market's above-specified timeframe. If there is a potential bank failure within this market's timeframe and the FDIC "Failed Bank List" has not been updated yet, this market may remain open to allow for the list to be updated.
The primary resolution source for this market will be the Federal Deposit Insurance Corporation (FDIC), specifically the "Failed Bank List" available here: https://www.fdic.gov/resources/resolutions/bank-failures/failed-bank-list/; however, other official statements from the FDIC and government entities will suffice.
Market Opened: Jan 31, 2026, 1:52 PM ET
Resolver
0x65070BE91...Outcome proposed: No
No dispute
Final outcome: No
For this market to resolve to "Yes", the bank's closing date as listed by the FDIC must be within this market's above-specified timeframe. If there is a potential bank failure within this market's timeframe and the FDIC "Failed Bank List" has not been updated yet, this market may remain open to allow for the list to be updated.
The primary resolution source for this market will be the Federal Deposit Insurance Corporation (FDIC), specifically the "Failed Bank List" available here: https://www.fdic.gov/resources/resolutions/bank-failures/failed-bank-list/; however, other official statements from the FDIC and government entities will suffice.
Resolver
0x65070BE91...Outcome proposed: No
No dispute
Final outcome: No
Trader consensus on Polymarket prices "No" at a market-implied 99.4% probability for another U.S. bank failure by March 31, driven by the FDIC's failed bank list showing no additional closures since Metropolitan Capital Bank & Trust shuttered on January 30—the lone 2026 incident to date. This reflects broader banking sector resilience, with industry-wide CET1 capital ratios exceeding 12%, steady deposit growth, and contained commercial real estate (CRE) exposures amid stabilizing property values. Post-2023 reforms have bolstered liquidity buffers, reducing systemic tail risks. Remaining uncertainties include sudden CRE loan defaults from office vacancies or unforeseen cyber disruptions to regional lenders, though proximity to resolution minimizes their impact. Q1 bank earnings will further validate asset quality trends.
Experimental AI-generated summary referencing Polymarket data · Updated
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