New to this company - actually looking at banks on this dip for a long term hold. Like this one because of the divi as I hold it long term expecting financials to lead the next leg up in the market. One thing that does scare me a little long term is that a lot of their income comes from mortgages. Does anyone know if the majority of their mortgages are at fixed rates(as they rise). I like that a lot of the mortgages are for apartments in NYC. Should be very low loss ratio.