FDIC Header Test Skip Header

Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank


Learn everything you need to know about Franchise Marketing at the FDIC.


The FDIC markets troubled institutions to healthy insured depository institutions. Each institution must be resolved using the least costly resolution option for the FDIC. The FDIC's primary objective is to maintain financial system stability and public confidence. Returning assets to the private sector in an orderly manner at the best price is another key objective. The FDIC also tries to reduce the impact on the community.

Recapitalization is the preferred method to resolve open troubled financial institutions. FDIC markets institutions in case a failing institution is not able to resolve its issues on its own. If an insured depository institution is unable to resolve its issues, the FDIC will implement its resolution process by which qualified bidders may seek to acquire the assets and assume the liabilities of the failing institution.

While qualified bidders participate in the resolution process for a variety of strategic reasons, a successful resolution can provide a seamless transition for depositors and borrowers. Qualified financial institutions may consider pursuing a failing bank acquisition for the following reasons:

  • Growth - An acquirer may grow its customer base with a stable funding source.
  • Purchase Earning Assets - The transactions often include a portfolio of quality loans to customers in the local market. Additionally, the acquirer assists the FDIC to resolve assets in a more efficient manner.
  • Expand in Existing Markets or Enter New Markets - Acquirers assume deposits, but have the flexibility to select the offices to remain open beyond a year. The acquisition may allow the acquirer to increase locations in their desired footprints.
  • Economic Stability - Help minimize the adverse effects of an institution's failure on a community by maintaining access to full service banking.

For more information, contact:


Toll-Free Number - (800) 568-9161
Main Number - (214) 754-0098

Division of Resolutions and Receiverships
Franchise Marketing
1601 Bryan Street, Suite 1410
Dallas, TX  75201-3479

Bank and Thrift Failures 2007 to 2016

Bank and thrift failures since 2007 to 2016

FDIC Closed Banks Click to view full map image

Regulatory Guidance

The FDIC, as deposit insurer, reviews the qualifications of potential bidders, and coordinates with the applicable federal and state regulators throughout the review process. Potential bidders are advised to contact the applicable regulators early to ensure timely reviews and determinations, as the marketing process for failing financial institutions is short.

Learn more about Regulatory qualifications in order to successfully complete a failed bank acquisition.

Regulatory Application Links:

Marketing Process

Learn more about how the Franchise Marketing process works.

Bid Lists

Learn more about how to get included on a Franchise Marketing Bid List.

Potential Franchise Bidder Contact Form

Potential Franchise Bidder Contact Form

FDIC Videos

view all



Skip Footer back to content