So just how bad were things at Tennessee Commerce? One quick way to analyze the state of affairs there is to compare how much its failure  will cost the Federal Deposit Insurance Fund relative to the bank's size. Since the beginning of November, regulators have closed down 13 other lenders  with Sept. 30 deposits of $2.37 billion. Those failures will cost the FDIC's deposit insurance fund $650 million, which amounts to 27.5 percent of deposits. But when it comes to Tennessee Commerce, the FDIC fund is paying $417 million, which comes to 36.1 percent of the bank's Sept. 30 deposits.