It was humorist Mark Twain who quipped, “A banker is a fellow who lends his umbrella when the sun is shining and wants it back the minute it begins to rain.” Except these days one bank in particular seems to really need that umbrella for itself.

It’s been pretty stormy at Bank of America, which apparently failed the government’s stress test that would allow them to begin paying dividends again. In fact, Bank of America has emerged as the weakest of the big financial institutions per last week’s quarterly earnings report: profits down 36%, revenues down 16%, shares down 30% in the past year, stock down 2.3%. To be sure, Bank of America isn’t the only bank hoping for sunnier times. Citigroup reported 32% less profit and a 22% drop in revenue, both sharper drops than competing banks. J.P. Morgan Chase, for example, posted a 67% gain in profit.

Were we surprised by this downpour? Not really. Yes, some of the puddles are due to decisions made by Bank of America’s previous CEO. But according to our Customer Loyalty Engagement Index, decisions regarding brand engagement reveal Bank of America hasn’t been doing too well there either, the current rankings as follows:

  1. Wells Fargo
  2. J.P. Morgan Chase
  3. Bank of New York
  4. PNC
  5. Bank of America
  6. Citibank

To deal with some of the tempest, last week Brian Moynihan, Bank of America’s CEO, shook up the management team and accelerated the planned exit of their CFO. One investor – one with 1.5 million shares – thinks Bank of America can ride out the storm, although the bank’s comeback has been “longer and cloudier” than its competitors.

Another humorist, Ogden Nash, once remarked, “Bankers are just like anybody else – except richer. Or at least the ones that that don’t need umbrellas!