CHARLOTTE, N.C.  Regulators on Friday shut down banks in Florida, Arizona and Kansas, bringing to 133 the number of United States banks that have failed to hold up this year against the struggling economy and a cascade of loan defaults.

The Federal Deposit Insurance Corporation took over Republic Federal Bank in Miami, with $433 million in assets and $352.7 million in deposits.

The F.D.I.C. also took over Valley Capital Bank of Mesa, Ariz., with $40.3 million in assets and $41.3 million in deposits; and SolutionsBank in Overland Park, Kan., with $511.1 million in assets and $421.3 million in deposits.

The F.D.I.C. estimates the failure of Republic Federal will cost the deposit insurance fund $122.6 million; the failure of Valley Capital an estimated $7.4 million; and the failure of SolutionsBank an estimated $122.1 million.