John Reosti

Key takeaway: Carter Bankshares CEO Litz Van Dyke wants to position the company as a regional bank with a footprint stretching from Central Virginia down to South Carolina.

| Key insight: SBA's move to tighten lending standards following a rise in delinquent loans and credit costs appears to have had a positive impact on overall credit quality and the agency's finances.

Key insight: By offering space to a retail incubator, The Village Bank is joining a trend of opening branches to nonbank uses.

Key insight: Continuing on a path of reinvention that started last year when it sold three branches and moved its headquarters to Mobile, Alabama-based

Key insight: Traditional thinking that Community Reinvestment Act investments involve high risk and low returns is giving way to an approach focused on low-risk, high-impact projects.

Key insight: USDA is shining a spotlight on credit quality in one of its lending programs by ejecting a group of lenders it said was responsible for the lion's share of its delinquent loans.

| Key insight: Banks with very low charge-off rates are calibrating the message they send to the investing public, warning that there will be a return to more normal levels of bad credit.

Key takeaway: Led by its second generation of executives from the same family, a mutual thrift in Queens, New York, has remained committed to its depositor-owned roots.

Key takeaway: The Toronto-based banking giant continues to report progress in remediating its U.S. regulatory issues.

Key takeaway: After previously focusing on existing healthcare practices, U.S. Bank has unveiled a loan for veterinarians and dentists aiming to start from scratch.