Recent bank failures have resulted in the FDIC declaring "systemic risk exceptions" and insuring deposits beyond the $250,000 limit. For companies such as Roku, which had almost half a billion dollars in Silicon Valley Bank, this has been a godsend. However, others have criticized this as a bailout that leads to moral hazard and irresponsible risk taking on the part of banks.

Regional banks are key players in commercial real estate and, as such, their operations should be on every investor's radar. Given that importance, what is your stance on the matter?

Let us know on the poll and discuss in the comments!