嗯，又有小银行倒闭了
Metropolitan Capital Bank & Trust不是$Metropolitan(MCB)$ 可能被错杀
这些小银行风险偏好可真高
TMRW Sports——由泰格·伍兹创立的这家合资企业。银行不仅仅是促成了股权交易，它还以此作为抵押发放贷款。
通过提供“有担保股票贷款”（secured stock loans）和“基于净资产价值的融资”（NAV-backed financing），该银行允许投资者借钱来购买该特殊目的实体（SPV）的份额。
由于TGL项目失败，投资变得非流动性，这些贷款的抵押品很可能变得毫无价值。面临流动性压力的借款人很可能违约。
银行还为数字媒体行业以及小众房地产建筑领域的客户提供了“战略性补充收购”的融资。
银行在建筑项目“过桥融资”（gap financing）方面的参与很可能同样具有毒性。MCB&T那些“创意”过桥贷款，在2024-2025年建筑行业陷入困境期间，对于停工或被止赎的项目，几乎肯定遭受了全损。
On Friday, January 30, 2026, Metropolitan Capital Bank & Trust was closed by the Illinois Department of Financial and Professional Regulation. The Federal Deposit Insurance Corporation (FDIC) was named Receiver. No advance notice is given to the public when a financial institution is closed. First Independence Bank, Detroit, MI assumed substantially all the deposit accounts and substantially all the assets. All shares of stock were owned by the holding company, which was not involved in this transaction.