After the war, consumer spending and borrowing grew briskly. With relatively few new banks being chartered, national banks could be extremely selective about those with whom they did business and how much they charged customers for their services. Loan losses were low, bank failures were practically nonexistent, and banks were profitable.
Stability in the banking system eased the pressure on OCC examiners. The interstate highway system and air-conditioned cars made travel more comfortable, and the team approach to examination bred camaraderie and esprit de corps.