In practice, bankers are quite suspicious that borrowing from the Federal Reserve will bring additional regulatory scrutiny. In my banking days, I always described it as being like borrowing from my father. I was always sure that at some point I would have to answer uncomfortable questions.
But unlike the example of trade, it may not be possible for the winners to compensate the losers in a way that leaves no-one worse off. In economic jargon, it may not be possible to find a Pareto improving outcome, at least in the narrow monetary sense.