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I'm going to preface by saying idk a whole lot about either bank and how they're structured. That said I've been in your situation, and I will tell you that it is totally valid to want to feel wanted and it is very important to be wanted. It is telling if one group is giving you the cold shoulder and finally drag their feet when they know with certainty they can't find someone else while the other saw you and wanted you from the start. So if you go in this summer do you wanna deal with people who couldn't appreciate your potential from the start? Bear in mind s&t has lower return rates than ib in general so now you gotta think where are you most likely going to get a return, the place that wanted you from the start or citi? That said citi in general is considered better and has a bigger balance sheet. They also have a rotational program for full time if I recall correctly, so you need to keep intern and ft structure and training in consideration. Not an easy decision but its a heck of a great problem to have. Congrats