In the following video, Motley Fool financial analyst Matt Koppenheffer departs from his usual discussions of the giant Wall Street banks, to talk about one of the little guys: Bank of the Internet (NASDAQ:BOFI). To compare, BOFI's assets total $2.6 billion, compared with Bank of America's (NYSE:BAC) $2.2 trillion, but the bank is Internet-based, something the big guys are slowly lumbering toward, and BOFI's efficiency ratio wallops the big guys. Matt tells us all the things he likes about the bank, and what some of the risks might be as well.

Matt Koppenheffer owns shares of Bank of America. The Motley Fool recommends BofI Holding and owns shares of Bank of America and BofI Holding. Try any of our Foolish newsletter services free for 30 days. We Fools don't all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.