Bank closure are down from 2010, but the FDIC is still moving to close down some failing banks. Two such banks in Oklahoma and Wisconsin that received federal bailout money were shut down this week.
See the Associated Press article here: http://finance.yahoo.com/news/Regulators-close-small-banks-apf-1081228040.html?x=0
The FDIC expects the cost of resolving failed banks to total around $52 billion from 2010 through 2014.
Depositors' money, which is insured up to $250,000 per account isn't at risk. The FDIC insures these accounts and is backed by the government. That insurance cap was made permanent in the financial overhaul law enacted last July.