Of course they can go bad, they have insurance similar to FDIC. And just like small banks right now, they also have the problem on getting loans to make interes

Of course they can go bad, they have insurance similar to FDIC. And just like small banks right now, they also have the problem on getting loans to make interest on. Mortgages have dried up. Refinancing is there too. Bigger banks have larger opportunities, so they may be safer with loans being down.