Many small US banks 𝗡𝗢𝗧 𝗥𝗘𝗔𝗗𝗬 to borrow from Fed in an emergency

"Banks must be willing to ask for that lifeline in their hour of need, and they have to be set up to do so."

https://www.reuters.com/business/finance/many-small-us-banks-not-ready-borrow-fed-an-emergency-2023-08-02/