The smallest institutions tend to be ranked closer to the bottom.
The goal is to prevent the high interest rates these institutions tend to pay for deposits from creating further losses through the industry.
"The broad market is moving up, but secondary stocks continue to trail because institutions are tending to avoid them."
Larger institutions, he said, tend to compete for funds against one another, not against small ones.
He said, "Odd how these financial institutions tend to drift from their original purpose.
However, many institutions may tend to avoid change and cover up campus crime to protect their public images.
Our international institutions are frail, fragile and tend to be powerless.
"In the absence of symbolism, institutions tend to lose their authority."
All successful institutions tend to grow more cautious with age, and indeed, part of a museum's purpose is to protect historical memory.
Smaller institutions tend to offer higher interest rates than larger ones.