Assume that, on average, national banks engaged primarily in mortgage lending have their assets

diversified in the following proportions: $60$ percent residential, $15$ percent commercial, $5$ percent

international, and $20$ percent mortgage$-$backed securities$.$ A local bank has the following distribution

of mortgage loans: $50$ percent residential, $30$ percent commercial, and $20$ percent international. How

does the local bank differ from national banks?