The collapse of Silicon Valley Bank ("SVB") of SVB Financial Group (SIVB) has quickly uncovered a systemic banking vulnerability that will diminish the return prospects of both the stock and the bond markets. The collapse of SVB started on Wednesday, March 8th, when the company announced that it was looking to raise more than $2 billion in additional capital after suffering a $1.8 billion loss on asset sales from its bond portfolio. This was an avoidable failure and textbook case of regulatory and bank management incompetence.