Right, I get the loans don't feature right now, but the reason why depositor behavior is so concentrated is because they're mostly in the same industry affected by the same market forces. To have large numbers of loans out to that same industry at the same time is additional risk, whether or not that particular risk caused problems this time.
EDIT: Elsewhere in the comment thread people have clarified that the bonds are the big problem on the assets side. They had a bunch of low interest rate bonds that now have to be sold at a loss because interest rates are much higher.
EDIT: Elsewhere in the comment thread people have clarified that the bonds are the big problem on the assets side. They had a bunch of low interest rate bonds that now have to be sold at a loss because interest rates are much higher.