The problem is having an advisor and obviously very close coauthor (several papers together) who hasn’t done research in years and has never evolved from writing banking risk models. That research might have been relevant in the early 2000s, but these days you only do that at institutions like the OCC, SEC, Fed etc. The field of banking has evolved into studying frictions to the transmission of monetary policy, the role of financial institutions in growth, inequality, etc. You need to live in 2022 if you want to write an interesting paper in banking, not in the 1990s
"hasn't done research in years" yet has a JFE 2021 and RFS 2020. What do you have?