Finance is the industry that rules the world, and banks, by and large, represent a great percentage of that industry. After the financial crisis, public cries for a more stable financial system grew louder. It is quite likely that “too-big-to-manage” institutions may be reined in or even split up into smaller entities. Is the shift in banking a happy event? In this paper, we will characterize the relationship between the size of assets and bank failure from the beginning of the savings and loan crisis to the end of the Great Recession, bridged by a period called the Great Moderation.