WASHINGTON — While the failure of troubled banks has become a weekly occurrence during the financial crisis, the collapse of FBOP Corp.'s nine subsidiaries last week included something new: the closure of two healthy and viable institutions.

The Federal Deposit Insurance Corp. dusted off rarely used authority to charge the banks for the resolution costs of the other seven insolvencies — ultimately causing the $4.7 billion-asset Park National in Oak Park, Ill., and the $118 million-asset Citizens National Bank in Teague, Texas, to fail as well.

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