America's community banking crisis may go down as one of the biggest nonevents of the current financial crisis. This is, perversely, both an indictment and a testimony to the regulatory system charged with overseeing our financial institutions and protecting consumers. "FDIC Friday" has been a fixture on the calendar since 2008. That's the day dark-suited staff from the Federal Deposit Insurance Corp. quietly swoop into a city to shut down a troubled bank. It's happened almost 300 times during the past two years, with 2010 seeing the most bank failures in almost two decades.