You’re forgetting the ~ 10% of tier 1 capital, and even more in other buckets…

Only if 2% of banks lost all of their money. It would more likely be something like 10% of banks by deposits lost 20% of their money.

I disagree with your numbers. Based on current bank reserves, if ~20% of a banks deposits were to be withdrawn the bank would be insolvent. You don't need to withdraw 100% of deposits to have a run on the bank.