[quote=evolusd]
However, if these new lax FDIC standards are implemented, banks should be required to disclose the aggregate LTV composition of their CRE portfolio for each property type. At least then investors and depositors can make a sound decision. [/quote]

The whole point of the FDIC is to eliminate the need for depositors to do such analysis. The FDIC is to do the analysis on a proper basis, and to flush out those not in conformance.

Do not underestimate the effect of bank stockholders forcing unsound behavior on their bank managers by comparing them to unsound bank managers making high returns by engaging in inappropriate banking behavior.

With respect to the FDIC, distinct from other entities, this is a black/white issue. The FDIC is failing to do its duty.