Beyond the actual amount insured by the FDIC?
My understanding that everyone will receive anywhere from 70% to 90% of the uninsured parts of deposits eventually. Uninsured does not mean "... and it's gone". It rather means "best effort to get it back".
> All depositors will have full access to their insured deposits no later than Monday morning, March 13, 2023. The FDIC will pay uninsured depositors an advance dividend within the next week. Uninsured depositors will receive a receivership certificate for the remaining amount of their uninsured funds. As the FDIC sells the assets of Silicon Valley Bank, future dividend payments may be made to uninsured depositors.
Beyond that, customers have "uninsured deposits"
But the FDIC is in the process of selling all the banks assets, which nearly cover all of their outstanding deposits. No one knows how much that difference will be right now. But companies should expect a lot more than just the minimally insured deposits back.
Source: https://www.netinterest.co/p/the-demise-of-silicon-valley-ba...
> As of the end of December, SVB had roughly $209 billion in total assets and $175.4 billion in total deposits
Say $80B of that is worth 83% of the HTM value on their balance sheet. That would be $14B less, or $195B in assets against $175B in deposits. I don't know the details of their holdings or exact difference between market prices and their HTM accounted value, but the important points are (1) they started with a lot more assets than deposits and (2) different portions of their balance sheet have declined different amounts. It's not all 10-year 1.5% MBS notes; only about $80B is.