According to @business, the start of earnings season is exposing risky lending at some U.S. regional banks and putting the stock market on edge as traders reassess credit quality and sector resilience (Bloomberg, Oct 18, 2025). For trading, monitor the SPDR S&P Regional Banking ETF (KRE), which tracks U.S. regional banks, and focus on loan-loss provisions, criticized asset ratios, and commercial real estate exposure highlighted as key risk areas for midsize banks by the Office of the Comptroller of the Currency in 2024 (State Street Global Advisors; OCC Semiannual Risk Perspective 2024). Equity stress tied to bank credit concerns can spill into crypto as correlations have risen since 2020, increasing the sensitivity of BTC and ETH to risk sentiment shocks (IMF, Global Financial Stability analysis 2022–2023). During the March 2023 U.S. bank turmoil, BTC rallied as policy expectations shifted, underscoring two-way risk for crypto around bank headlines (Reuters, March 2023).