Deposit-Funded Lending Banks

Own banks whose core businesses turn customer deposits into consumer and commercial loans, rather than exchanges, payment networks or speculative trading platforms. With equity leadership uneven, this basket shifts attention toward funding durability, credit underwriting and recurring customer relationships. The opportunity depends on disciplined lending and resilient deposits; rising credit losses or funding competition would weaken the thesis. Launch basket (equal weight): JPM, BAC, WFC, C, NU, COF, RY Rules: 1. No inverse, leveraged or volatility ETFs. 2. Only names tradable at the enrolled brokers (Moomoo): no OTC listings, no dead tickers, nothing on the refused list.