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 (AX 0.48%). To compare, BOFI's assets total $2.6 billion, compared with Bank of America's (BAC -0.19%) $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.