They will suffer in the profits department due to this. If they're making 1% when they could be making 5% on 450 billion or whatever the total original balance

They will suffer in the profits department due to this. If they're making 1% when they could be making 5% on 450 billion or whatever the total original balance of HTM was then their stock will be rightfully crushed. (actually has already been rightfully crushed)