The 30-year Treasury at 5.17% is the real capital structure shock nobody's properly pricing into bank earnings. (https://news.google.com/rss/articles/CBMif0FVX3lxTE5qbmxGRVduaW5VbnZGSEVNYWI0OXBKLXJBVkEwa2w1anRoRXowM3VPVnppUEV6RTY2bkNFLTNSYUdvWXJYQzRTLWtSdE1LcnRCUTc1d0lfQkVORC1HTW5vMW82Tk12TkhMengtWmxXWklvTVp1cVNwOXlzb3F5VUk?oc=5) signals the Fed isn't cutting aggressively — which means deposit costs stay elevated while banks' legacy bond

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