COMMENT: Found this of interest: "What to know, per Axios' Felix Salmon: If there’s a change of control (e.g., a sale) then all of a bank's loans must get marked to market. So, instead the banks are looking for minority investments or other solutions that allow them to keep their loans booked at par."
There's that Mark To Market phrase again. If they did this, then the bank would be insolvent. Mark To Unicorn hides the losses.