This thread is in response to your post about "prohibiting American Samoans from putting their money in the international bank," not about the current banking situation.
1. the good of the theoretical possibility of getting a pittance more in interest from an international bank with
2. the social costs of not having a well-regulated local bank that will make loans in the community.
If you totally ignore #2, you're going to make a bad policy decision. I think that's approximately what you're doing.
My position is if the good from #2 is greater than the good from #1, discouraging community members from depositing their money in a distant bank over a local one is good policy.