I've been away from the computer all day -- so, I missed #'s 28 and 29. Sorry, it's just that I haven't been feeling well -- though I realize that's not a great excuse.

Bank Failure 28: First Bank of Beverly Hills, Calabasas, California

Bank Failure 29: First Bank of Idaho, Fsb, Ketchum, Idaho.

First of Beverly Hills was a decent sized bank: "First Bank of Beverly Hills, as of December 31, 2008, had total assets of $1.5 billion and total deposits of $1 billion. It is estimated that the bank has $179,000 of uninsured deposits.
....
First Bank of Beverly Hills is the 28th FDIC-insured institution to fail this year and the fourth in California. The last bank to be closed in the state was County Bank, Merced, on February 6, 2009. The FDIC estimates the cost of the failure to its Deposit Insurance Fund to be approximately $394 million.

That's four today. They didn't need "stress tests".

It's not over by a long shot.