On Feb. 18, 1855, French-Canadian cattle dealer Louis Remme deposited $12,500 in gold in the Sacramento branch of the Adams & Company bank. Shortly afterward he received word that Page, Bacon & Company of St. Louis, the largest financial company west of the Alleghenies, had failed. He returned to the bank but it had already been liquidated, depleted by desperate depositors.

So Remme jumped on a horse and rode 665 miles north in 143 hours, including 10 hours of sleep and brief stops for food. He arrived in Portland, Ore., on Feb. 26, went straight to the Adams & Company bank, presented his certificate of deposit, and withdrew the $12,500. He had beaten the steamer that carried news of the bank’s failure — and Portland had no telegraph.