I know of some financial institutions that have converted from state bank charters to state savings bank charters because of the impression that the relationship would be more congenial. But this is anecdotal at best. And this occured in the mid-90's, so take my commments with a grain of salt.
The main issue seems to be one of expense and quicker response time. There is also a question of the impression that the FDIC is more lenient on certain exam areas, such as Fair Lending and CRA.
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Societies that do not find work in and of itself "pleasing to God and requisite to Man," tend to be highly corrupt.