[vostok]

I'm no expert, but that Utah bank sounds pretty risky to me.

At least treasuries and MBS are relatively liquid securities that can be quickly sold at prices that don't deviate much from their marks as long as you're marking to market.

Those loans to local businesses and home owners sound much, much scarier.

[tialaramex]

Good point, I'm definitely the wrong person to advise on the correct way to capitalise a bank.