The Best Deck Chair on the Titanic?

[target2019]

Can't be Wells Fargo, OP said "due to the nature of our business, our customers are a "captive market" and in nearly all cases simply don't have the option of going elsewhere." Banks do not have captive markets and their customers have lots of options.

Yes, mortgages and loans would capture you, as was said above.

Another thought is that WF buys up bank(s) in small town with just one bank.

I admit, there are other corp candidates for this employer.