If you want your answer, have a look at Desjardins in Quebec. They have something like half of the total marketshare.
Desjardins Group ranks 4th among the Safest Banks in North America according to Global Finance, and its capital ratios and credit ratings are among the best in the industry.
https://www.redhat.com/en/blog/red-Hats-decade-of-collaboration-with-government-and-the-open-source-community