If there are any concerns about BB&T, it's with the company's stress test known as CCAR, or comprehensive capital analysis review. This is the test conducted by the Federal Reserve, which is used to ensure that financial institutions have adequate capital planning to prevent the sort of "too big to fail" situations that impacted the American taxpayer at the height of the credit crisis. Surprisingly, BB&T failed its last evaluation despite demonstrating arguably the best capital ratio within the sector. At the recent conference last month, management announced to shareholders that the bank had resubmitted its CCAR for review. I don't anticipate there will be a problem this time considering the bank recently raised its dividend by 15%. The bank would not have enacted a dividend hike if capital and/or liquidity were a concern. Follow @saintssense This article was written by an independent contributor, separate from TheStreet's regular news coverage.