ING, when they had US retail banking operations, wasn't huge but they also did things differently. For instance they did not offer fixed rate mortgages – it's

ING, when they had US retail banking operations, wasn't huge but they also did things differently. For instance they did not offer fixed rate mortgages – it's a lot easier to keep an adjustable loan on the books. They also did tech better than most banks (until the dumpster fire that is Capital One bought them out).