Why do you assume ‘big’ is bad?
Depends on values taught, led, and enforced in the organization. Search http://www.bbandt.com for ‘culture’ to see a sound set of values.
(BBandT avoided some of the government’s mortgage fiasco because it took the view that what is not good for customers is not good for the bank. BBandT is ‘big’, grew substantially with that philosophy. BBandT did not need bailout money.)