{"id":17355,"date":"2021-01-18T09:19:15","date_gmt":"2021-01-18T09:19:15","guid":{"rendered":"https:\/\/blog.mergerscorp.com\/?p=17355"},"modified":"2026-03-20T08:10:09","modified_gmt":"2026-03-20T08:10:09","slug":"quais-sao-as-condicoes-para-comprar-um-banco-falido","status":"publish","type":"post","link":"https:\/\/blog.mergerscorp.com\/pt-br\/quais-sao-as-condicoes-para-comprar-um-banco-falido\/","title":{"rendered":"Quais s\u00e3o as condi\u00e7\u00f5es para comprar um banco falido?"},"content":{"rendered":"<p><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">There&#8217;s a very wrong misconception out there that only filthy rich investors can make vulture investments because they always have cash on hand. Buying a bank under pressure is a form of vulture investing. Even small investors can do it, provided they comply with the specific guidelines provided by the Federal Deposit Insurance Corporation. It&#8217;s important to note that a bank can never actually fail. Thus, when it reaches a state of insolvency, the state regulatory authority forces the bank into receivership. The FDIC becomes the receiver, taking control of the bank&#8217;s assets, e.g., loans and outstanding liabilities, e.g., leases, deposits, and non-performing loans. Few people understand the conditions for buying a failed bank. This post explains what is required.<\/span><\/span><\/p>\n<p><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Acquiring assets from a struggling bank<\/span><\/span><\/p>\n<p><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">When a bank goes bankrupt, the FDIC assumes responsibility for selling its assets at the most reasonable price. This is done to settle existing debts. The remaining liabilities will be covered by the FDIC. This is why every bank must be insured by this agency. Often, the highest bidder never accepts the non-performing loans. Therefore, it is the FDIC&#8217;s duty to find buyers who can purchase the difficult-to-sell liabilities. The agency uses creative methods, such as online auctions, to obtain the highest possible bids. This involves a series of announcements about the sale of assets. Then, the loans are listed on the FDIC website, as well as office furniture and real estate.<\/span><\/span><\/p>\n<p><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">How to buy a bank before it is seized.<\/span><\/span><\/p>\n<p><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Private investors have a better chance of buying a financial institution before the FDIC takes it over. Do you think the assets of a particular bank for sale are undervalued? Or that the distress is exaggerated? Then it would be profitable to invest your own capital in the bank to weather the downturn. If you are a banking expert, this could be your high-value investment.<\/span><\/span><\/p>\n<p><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">What are the requirements?<\/span><\/span><\/p>\n<p><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">You will need to meet these conditions under the FDIC&#8217;s Covered Investors policy before bidding on a distressed bank:<\/span><\/span><\/p>\n<p><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">You must retain 10% or more of the capital reserve for distressed assets. This is different from a normal bank acquisition which requires investors to hold 5% of the capital reserve. Therefore, the bank must maintain well-capitalized levels after the acquisition. <\/span><\/span><br \/>\n<span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">A minimum retention period of 3 years. <\/span><\/span><br \/>\n<span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">No internal loans. <\/span><\/span><br \/>\n<span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Disclosure of the ownership chain. <\/span><\/span><br \/>\n<span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Limitations on the investment structure.<\/span><\/span><\/p>\n<p><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">These rules and regulations exist to clarify bank ownership. This is especially important for hedge funds and stock companies whose legal structures are somewhat complex. As a private investor, the FDIC will advise you to limit your involvement in distressed banks to passive investment. In fact, this will prevent you from becoming a bank holding company that needs to meet stringent requirements. Therefore, limit your holdings to 25% or less of voting shares and 33% of total equity. We have summarized the conditions for buying a failed bank. Now that you know how to buy a failed American bank, don&#8217;t look for a watchlist of distressed institutions at the FDIC. Ask the experts if you need more information to buy a bank that already holds distressed securities. Visit mergerscorp.com now. At MergersCorp\u2122 M&amp;A International, we are ready to guide you through the entire process of buying a bank. You can also speak to us if you wish to sell failed assets privately. We ensure that the parties involved meet their mutual interests.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There&#8217;s a very wrong misconception out there that only filthy rich investors can make vulture investments because they always have cash on hand. Buying a bank under pressure is a form of vulture investing. Even small investors can do it, provided they comply with the specific guidelines provided by the Federal Deposit Insurance Corporation. It&#8217;s [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":9143,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[736],"tags":[],"class_list":{"0":"post-17355","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-736"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Quais s\u00e3o as condi\u00e7\u00f5es para comprar um banco falido? | MergersCorp M&amp;A International<\/title>\n<meta name=\"description\" content=\"Agora que voc\u00ea conhece as condi\u00e7\u00f5es para comprar a\u00e7\u00f5es de um banco falido, n\u00e3o procure uma lista de institui\u00e7\u00f5es em dificuldades no site da FDIC.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.mergerscorp.com\/pt-br\/quais-sao-as-condicoes-para-comprar-um-banco-falido\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quais s\u00e3o as condi\u00e7\u00f5es para comprar um banco falido?\" \/>\n<meta property=\"og:description\" content=\"Agora que voc\u00ea conhece as condi\u00e7\u00f5es para comprar a\u00e7\u00f5es de um banco falido, n\u00e3o procure uma lista de institui\u00e7\u00f5es em dificuldades no site da FDIC.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.mergerscorp.com\/pt-br\/quais-sao-as-condicoes-para-comprar-um-banco-falido\/\" \/>\n<meta property=\"og:site_name\" content=\"MergersCorp M&amp;A International | Investment Banking\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-18T09:19:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-20T08:10:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.mergerscorp.com\/wp-content\/uploads\/2020\/09\/226-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Robert G. Cotitta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Robert G. Cotitta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blog.mergerscorp.com\\\/pt-br\\\/quais-sao-as-condicoes-para-comprar-um-banco-falido\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.mergerscorp.com\\\/pt-br\\\/quais-sao-as-condicoes-para-comprar-um-banco-falido\\\/\"},\"author\":{\"name\":\"Robert G. 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