No they aren't. BGE Home isn't a "Mom and pop shop". They are a spin off from a regulated public utility company. There is nothing "Mom and Pop" about them.
In the world of post 2001 bank bailouts, there aren't really any more "Mom and Pop" banks out there ... not with all the regulations that are in place on banks.
Sure, I'm sure there are a few examples where you can argue may be, but the reality is, HSBC isn't one and ultimately, it's the employees CHOICE to work for a "Mega Bank" vs a "Mom and Pop Bank". Ultimately, it is the employee who made a bad choice.
THAT is how I see it.