= Information concerning the allocation of loan portfolios to different market sectors is given below. Allocation of Loan Portfolios in Different Sectors (%) Sectors National Bank A Bank B Commercial 30% 50% 10% Consumer 40 30 40 Real Estate 30 20 50 Bank A and Bank B would like to estimate how much their portfolios deviate from the national average. Which bank is further away from the national average? Is a large standard deviation necessarily bad for an FI using this model?