Yes, pricing is stiff. Competition is intense — agreed. But commercial lending, at this point in the economic rebound, is one of the best things that many regional banks have going for them.

To be certain, as the tally of second-quarter earnings reports comes to a close, the results have been mixed. For every U.S. Bancorp, which reported a 10.4% year-over-year increase in commercial loans, to $116 billion, there has been a Bank of America, which cautioned investors to temper expectations for growth. Other regionals, like BB&T and SunTrust, also saw higher commercial lending.

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