It's Bank Failure Friday!!!!

And here they are, ordered, and numbered for the year so far.

19. Habersham Bank, Clarkesville, GA
20. Citizens Bank of Effingham, Springfield, GA
21. Charter Oak Bank, Napa, CA
22. San Luis Trust Bank, FSB, San Luis Obispo, CA ⇐ I missed this one last night.

Full FDIC list

And here are the credit union closings:

2. Family First Federal Credit Union, Orem, UT

Full NCUA list

So, here is the graph pr0n with last years numbers for comparison (FDIC only):


And since it's early in the year, here is a detail of the first few weeks:



This year is shaping up a LOT like last year so far.  It's a bit early to be definitive, but it does look like bank failures are tracking ahead of what we saw at this point last year.