Bank risks come from unlikely places

Bank failures are at a historic low. But there are risks out there, to depositors and institutions. Somewhat surprisingly, a fast-growing area for claims is employee dishonesty, according to experts. Indeed, banks have increased insurance deductibles lately as they seek higher coverage limits. At community banks, the biggest share of depositor insurance claims relate to embezzlement and forgery. Counterfeit checks are another area of concern as are fraudulent loans involving employees. The lesson may be to double check your hires.

> Here's a MarketWatch article.