The bank that we use (and are unable to change due to the B2B nature of our operations) sucks in every aspect of relations. Both offline and online.

I think it's absolutely normal to be an expert (in web development) and measure businesses based on their web apps. And yes, if an organization where online is a critical point, such as banks nowadays, ignores the problems with their code, this is most probably a sign that the entire organization is broken.

In my case this is a 100% match.