What's the Business Model of Small Banks?

The big banks may well be overpaying for the deposit insurance part to the f d c, d f d i c. They pass on some subsidies down to the small banks so they keep happy enough. Big banks have implicit guarantees that are priceless because they have access to the fed. And that is worth a ton. In the financial crisis, let's remember goldman sacks and morgan stanley became bank holding companies. The failure of this regulation is assets that had zero risk weights but were risky,. Like triple ai rated security, like greek government lending to greek government in europe.