It takes more than a few doubts about safety and soundness for banks to lose retail customers these days — or at least more than it used to.

Last fall, a bank ranking in the 70th percentile from a financial soundness perspective might have seen more than 20% of its customers reducing the balances in their primary accounts. By May, a bank in similar condition would have prompted only 5% to 10% of customers to trim balances, according to a survey by retail banking consulting firm Mercatus LLC.

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