Personal and household debt at all-time highs,far fewer loan transactions, Low interest. All bad signs for banks. Not to mention their exposure to airlines, hotels, tourists, and other industries. I’ll be surprised if any can pass the stress test. They cant play fast and lose with bank members’ cash. Banking shares still down about 30% on the year to date, even as a handful of technology companies have helped major US stock indexes trade near record territory. Bank stocks are just like Airline stocks. They won’t make a profit(if anyone cares) for a couple of years, as loan defaults increase, and Powell put the nail in the coffin with the rate staying as is for a few years.