Reserves are just used to settle interbank payments without moving anything around, i.e. clearing checks and ACH transfers. It really has little relevance to anything other than a legal reserve requirement leftover from the gold standard era (most everyone was paranoid back then about re-causing wildcat banking inflation).
Capital is a corporate balance sheet item. Is that a depositor concern as opposed to an investor or acquirer? Probably not since we have deposit insurance or government bailouts.
And liquidity which I assume is concern about bank runs, well, that is what the Fed is for via its Discount Window. It certainly didn’t help much during 2008 since nearly everyone got their liquidity needs met via the very short-term repo market, but it could be that the non-banks that were in trouble couldn’t access the window.