What happens when you invest most of your liquidities, as a bank, and people want to withdraw money? The answer to that is that you copy what Silicon Valley Bank did recently. Silicon Valley Bank had a bank balance that would make even Jeff Bezos ($122 billion net worth) blush. With a deposit balance of $200 billion, they were swimming in money like it was their own personal money pit. But, they invested most of it into long-term US treasuries and agency mortgage-backed securities because, let's face it, loan demand was very weak.