The U.S. government still hasn't recouped all of the taxpayer funds it put into the Troubled Asset Relief Program, or TARP, during the dark days of the financial crisis. But it's getting closer.

At this point, all of the major U.S. banks have repaid the government, and the majority of the shortfall is a result of the inclusion of the automotive sector and AIG (NYSE:AIG) in the program. So are banks back? In this video, Motley Fool banking analysts Matt Koppenheffer and David Hanson say yes and discuss where the sector can go from here.

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David Hanson owns shares of AIG and Regions Financial. Matt Koppenheffer owns shares of Bank of America, AAIG, Regions Financial, and PNC Financial Services. You can follow David and Matt on Twitter. The Motley Fool recommends AIG and General Motors; owns shares of AIG, Bank of America, Citigroup, and PNC Financial Services, and has long January 2014 $25 calls on AIG. Try any of our Foolish newsletter services free for 30 days. We Fools don't all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.