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What's a Bank Run? And how do you get on the FDIC's secret problem list? By Jacob Leibenluft Last week, California-based IndyMac became the largest bank to fail in two decades after a bank run depleted its deposits. Now, the Federal Deposit Insurance Corp.—which took over what's left of IndyMac—says that 90 financial institutions are on its secret list of "problem" banks. How does a bank end up on this secret list? By getting a bad rating, based on its financial situation and visits from inspectors. Every few months, federal regulators issue banks a "CAMELS rating" that goes from one (for the