Investment bank Sandler O'Neill used the government's stress-test criteria to project the results for thousands of banks that were not involved in the first round of tests. After the 19 largest banks, the next 200 combined have a potential common-equity shortfall of about $16.2 billion, the firm estimates. The remaining 7,700 banks would have a potential capital deficit of about $7.8 billion, Sandler O'Neill said.

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