[peter422]

Yes they don't have a shortfall as long as there wasn't a bank run and they'd have time to unwind their long term bonds.

But they don't have time and did have a bank run, and therefore they do have a shortfall.

I think you might be able to argue that the bank itself had enough intrinsic value beyond it's ledger which could make up the shortfall, but that's all in the eye of the beholder who might want to buy them. We'll really see whether this is the case or not based on whether they have a new owner on Monday or they don't.