The ongoing concern among investors and regulators is that banks such as PacWest have large amounts of uninsured deposits — those above $250,000 — which have become a larger liability because rich and wealthy clients have shown themselves willing to pull their money out at the first sign of trouble. The banks are also exposed to low-interest loans that are now worth less on the open market due to the fact they were underwritten when interest rates were substantially lower. When Western Alliance reported its results last week, the bank noted that it had to start selling off some of its commercial and industrial loans in order to restore the health of its balance sheet, with the bank taking a loss on most of those loans.