Recent FDIC resolutions of two small institutions—Metropolitan Capital Bank & Trust in January and Community Bank and Trust–West Georgia in May—reflect routine supervisory actions amid contained commercial real estate pressures rather than systemic stress. With roughly 12 days until the June 30 resolution, trader-implied odds for additional failures remain low, supported by elevated capital ratios at most banks, the $250,000 deposit-insurance ceiling, and the absence of acute liquidity events. Forward-looking risks center on concentrated CRE exposures at regional lenders and any surprise deterioration in credit quality, though Federal Reserve stress-test scenarios and current monetary-policy settings continue to price in orderly conditions through mid-year.