Believe its all in their prospectus that gets mailed to shareholders once a year, nobody reads them.
I've never received a prospectus as a depositor, only a shareholder.
But little need to worry, at least for individuals, since you're insured up to $250,000. If an individual has more than that on deposit with a bank: WHY? But if you do, just shuffle money around so that there's not more than $250,000 on deposit at any bank.
Very common for businesses who have to make payroll, fund accounts payable, etc. to have large balances. Not very practical to have the $250,000 limit across several banks as it's inefficient.
Even though FDIC insures up to that amount, depositors almost always get their money back. The FDIC's very first goal is to find a buyer. They are one of the most remarkably efficient agencies of government. Failing banks will get shuttered on a Friday (always a Friday) and it will be open again on Monday morning under a new name, as if nothing ever happened. Just as will happen with SVB.
What *should* happen is that the results of stress test that are required under Dodd-Frank should be public. I mean, it's a public law... But the fear is that the results which may not be great could in and of themselves cause a panic.