A watchdog has issued two additional reports saying regulators should have responded more quickly to institutions' troubles before they failed.

Echoing recent criticism of all the regulators, the reports said the Federal Deposit Insurance Corp. could have been more aggressive in responding to problems at the $1 billion-asset Integrity Bank in Alpharetta, Ga., and the $726 million-asset Columbian Bank and Trust Co. in Topeka, Kan.

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