The little guy is pulling ahead, as smaller banks adjust faster to handling all of the regulations coming down the pipeline. Loans at small banks grew at a 4.7% annual rate at the end of the second quarter compared with a growth rate of less than 1% for big banks.
Per The Wall Street Journal:
As long as regulatory uncertainty remains, big banks will continue to be at a disadvantage, according to bank analysts and executives. "This could have a significant impact on lending from big banks in the year and years ahead," said Scott Anderson, chief economist at San Francisco-based Bank of the West.