As time goes by, U. S. Banks, bolstered by cheap funding, will see widened interest rate spread on healthier borrowers.
The "widened interest rate spread" is a natural consequence of adjustable rate loans repriced faster than the funding cost. That hurt the banks for the past year or so. The reverse is about to happen too.
The "healthier borrowers" also allows the banks to keep the bulk of interest income. That is also in contrast to what has happened so far.

Even though WIBC, NARA & CLFC more or less doubled from the recent lows, I'd venture that better times are still ahead, especially WIBC. However, based on current valuations, CLFC is the cheapest, at 45% of book; NARA, 85%; WIBC, 100%. So, being an el cheapo...I do not own WIBC.

CLFC was clearly the worst among the three. If it didn't aggressively reduce the loan portfolio since mid 2008, it could have suffered mightily.
To its credit, the construction loan portfolio was kept small.
(Alas! The non-performing construction loans reached 23% none the less.)
Over all, its past due ratio is the highest, but so is the allowance for losses.
The longterm ROA at CLFC is the lowest. However, it still beats most small banks.

Interestingly, all three changed CEO about three years ago. Maybe the old CEOs saw what was coming and stepped down when the party was about to end?