This year has been tough on regional bank stocks, with borrowing costs soaring and cutting into net interest income. Additionally, higher yields diminished older bonds’ value and heightened internal credit risks — just ask the (now defunct) Silicon Valley Bank. These factors and others contribute to a string of poor regional bank performance indicators that, practically speaking, trickle upward across the entire banking and financial sector. The SPDR S&P Bank ETF (NYSEARCA:KBE) is down 3% this year, with fe ...