That is the headline of a Morningstar article. It seems that depositors are willing to accept lower interest rates on their money from strong banks in exchange for peace-of-mind safety and security. BBT is on that list and has a 5 star Morningstar rating. This benefits the strong banks by widening the spread between deposit and loan interest and thus, the bottom line (profits). Another article pointed out that Wall Street is beginning to differentiate the banks into two classes (weak and strong) as far as stock pricing. Those in the know will pick the weak banks to short. The strong ones should regain their "pre-sell off" popularity causing a relatively quick recovery in their stock price.