> none of the failures that have happened in the US in the past few years
I assume you are referencing Silicon Valley Bank, which wasn't a small bank and wasn't run by young, inexperienced leaders. In the US, community banks would be 10% the size of SVB at its peak (before the run). Except SVB, can you name any other failures? And were they due to young, inexperienced leaders? I cannot name a single one.
Republic Bank just failed in the past month (not to be confused with the First Republic Bank that failed last year).
This newest Republic failure was a bank started by the guy who created Commerce Bancorp which was purchased by TD Bank. The guy is a piece of work: https://archive.is/DwtAx
(I wouldn't say he is young but really not the guy for the job given the history and the banking environment now)
