Except most of the banks have paid back TARP. Most major banks are back to 10+ % profit margins (only one lower I found was BAC).

Out of the 700 billion TARP fund, only 51 billion remains outstanding (as of September last year), which is larger then the 41 billion number you were floating around:

http://online.wsj.com/article/SB1000142405274870343160457552...

I'm not saying all banks will be fine if Greece "defaults" (remember in this case "defaulting" implies restructed debt), but causing a US recession? Highly highly unlikely.