Customers overflow banks with deposits, which gives the banks a surge in money to loan. “Banks are loaded with liquidity and starving for growth,” said Paul Miller, an analyst with FBR Capital Markets.

With all the excess money going around, banks could potentially loosen their loan policies. 

“When competition for loans increases, that shows itself in thinner pricing and eventually in loan structures that are weaker than what they had been,” said Allen Tischler, senior vice president of the Moody’s Investors Service banking team.