[pclmulqdq]

If you're depositing $10 million, you should be willing to spend $100k reading a few balance sheets. That's why the limit is $250k.

[danielmarkbruce]

The CFO at any reasonable company can read the balance sheets of a few banks in a few hours and will need to do it 4 times per year. It's days of work, not more. And if the company is big enough, this job will be in the treasury team and again, it's certainly less than $100k worth of work.