The FDIC’s recent action to close Silicon Valley Bank, Silvergate, Signature Bank, and First Republic has put the financial sector under scrutiny, made worse by some news reporting based on incomplete data and flawed analysis. Many depositors are drawing false conclusions, and wondering what this means for their hard-earned money. Obviously, undue panic would be a dangerous self-fulfilling prophecy that would undermine confidence in the banking system. Being relationship bankers, community banks can and should confront misperceptions and inaccuracies directly with their customers and allay their concerns.