Stress Parameters Billions USD
$210.0B
Reported SVB deposit base Q4 2022 ($211.8B actual)
89.0%
Deposits above $250k FDIC threshold prone to instant run
$13.0B
Immediate cash & fed funds balances
$30.0B
Emergency collateralized borrowing capacity
$15.0B
Held-to-Maturity portfolio duration mark-to-market loss
$3.0B
Available-For-Sale fire-sale loss booked upon liquidation
2.5x
WhatsApp / Twitter venture community flight accelerator
Initial Deposits
$210.0B
Gross liabilities
Uninsured Deposits
$186.9B
89.0% concentration
Net Liquidity Buffer
$43.0B
Cash + borrowing lines
Unrealized Losses
$18.0B
HTM + AFS portfolio
Peak Single-Day Outflow: $42.0B
Threshold breach triggering discount window freeze
7-Day Liquidity Trajectory vs Outflow Burn
Balance Sheet & Outflow Ledger
| Period | Day Outflow | Cumul. Run | Remaining Cash | Borrowing Left | Net Liquidity | Status |
|---|
Mechanics of the Run: With $186.9B in uninsured deposits (89.0% concentration), venture depositors initiated coordinated wire withdrawals accelerated by digital group channels. Against a net liquidity buffer of $43.0B ($13.0B cash + $30.0B credit), single-day withdrawals peaked at $42.0B on Day 2. Because $18.0B in unrealized securities losses eroded equity capital, private recapitalization failed, triggering regulatory receivership on Day 3.