Another two banks have been closed by a federal agency in the United States, taking the total number of banking failures there this year to 94.
The Federal Deposit Insurance Corporation, which controls the banking sector, has shut Irwin Union Bank & Trust in Kentucky and Irwin Union Bank in Indiana.
Accounts held by there are being taken on by First Financial Bank.
The BBC reports the move came after their parent company - Irwin Financial - was unable to meet an FDIC demand to boost their capital.
The failure of the two banks is likely to cost the FDIC $US850 million.
This will come from a banking failure insurance fund, which has fallen this year from $US45 billion to $US10.4 billion, due to the number of banks that have failed.
The FDIC says it still has $US42 billion in reserves to handle failures over the next year.
The FDIC insures each bank account at a failed bank up to $US250,000.
