Federal Regulators wanted to push greater oversight into State Charters during the GFC as well, but due to Federalism they couldn't push it as much.

That was a big reason why they pushed regional banks to be acquired by National Charter banks during that fiasco.

Because of the limits of American Federalism, it's easier to use M&A driven consolidation to make the banking industry more robust in the US than by dealing with 55 different legislatures (50 states and the 5 territories).

If you want to have a rough feel of dealing with local charters I'd recommend seeing the whole Mesa Verde storyline in Better Call Saul - (spoilers) the whole reason Kim Wexler was hired to work with them was because that local NM bank wanted to expand into other states and as such needed to get a charter in other adjacent states like TX, AZ, UT, CO, etc.