With a steep rise in mortgage rates, slim loan demand and an overwhelming amount of new regulation, bank are having to jump through hurdles to stay afloat, an article in The Wall Street Journal said.

Although larger banks have more of a buffer to take a jump in interest rates, the article explains that even larger banks acknowledge that it would take years to recover amounts lost in the event of a marked jump. 

The full percentage-point jump in long-term rates, the sharpest increase since 2010, already has eroded $31 billion in accounting gains from banks’ securities portfolios through late June, according to Federal Reserve data.