Its not a wonderful world for regional and small banks given the deterioration of office markets.
There's a natural tendency to express at least a little schadenfreude when one hears of the banksters having trouble. But the banks that are really going to have problems are exactly the institutions that shore up local and independent businesses. It's not a good thing when there are only a half dozen giant banks all based in Manhattan.
I"m sure it's just an accident that it's the regional banks that are taking the hit, and the large national players that will profit.
You are on the right track. This is intentional destruction of middle America and mid tier banks. All to put the power in fewer and fewer hands.