A question

There are umpteen banks in Fayette County.

There can't be much money being loaned by the Fayette banks for many new homes, businesses, retail construction, cars, or start-ups!

How are so many banks making enough to pay the bills or support the non-paying mortgages they have?

I could make some suggestions but I would rather hear others ideas on this first. I don't want to start arguments as to what I think they are doing.