Is my money safe in a small bank?

Is my money safe in a small bank? Ugh, that's a question that keeps me up at night sometimes, you know? I mean, the FDIC insurance is a lifesaver, honestly! That $250,000 coverage? Huge relief. It makes me feel way better about banking with a smaller, local place – they're so friendly, and I like supporting them. But, part of me still worries, because what if I had more than that? What then? It's not like it's unlimited protection, right?

I remember my grandma, bless her soul, she always used that tiny little bank down the street. Never had a problem, but she only ever had a modest amount saved. That’s different than my situation! I have way more than that. I sleep better knowing at least a chunk of my savings is safe, that it's not all riding on the bank's success, you know? It's still a bit nerve-wracking though. I should probably look into spreading things around more... maybe I'll do some research on that. It's just... well, money matters, doesn't it? And you want to feel secure.