From the very beginning of the COVID-19 crisis, when it became clear that the U.S. would have to follow the same restrictive quarantine protocols of China, Italy and other countries in order to mitigate the pandemic as much as possible, banks, lawmakers, and regulators have been trying to stay ahead of the inevitable negative impact to the economy. Within two weeks of the quarantine, Congress passed emergency acts to direct funds to small business, keeping American workers employed as much as possible, and prop up the economy during the crisis. After a month of navigating these emergency acts, and entering the second wave of economic stimulus in the last week in April, it has become clear that the success or failure to provide the intended result relies as much on banks supplying the loans as it does on the lawmakers providing the money. So, how are banks doing?