Fair pushback on timing—one quarter doesn't make a trend. But the Isubstrate analysis shows this mirrors 2008 patterns when banks abandoned small business lending for 18 months. The full breakdown covers refinancing cliff timing and why Q1 2026 earnings could accelerate the selloff: https://vianews.market/banking-sector-performance/regional-banks-slash-small-business-lending-after-credit-losses-hit-46-basis