I totally agree to this and maybe abit more like different department heads or sections per example: one section is for the new members and it from the rank 1 to what ever number and the other section to officers.
it be aswsome if in the next Fleet Holding they incorporated this change... again I agree with you too, Sections or Division with-in a fleet would be awsome... have one of the Admirals or High Ranks Officer be the Head of a Section or Division assigned to a "certain" rank...
Additional ranks would be nice. I am neither here nor there on fleet bank expansion. Since fleet holdings the Fleet Bank has taken on less importance.
Players share gear, and its a nice place to stick rewards and what not... but I haven't had a problem with bank size in a while (unless there will be a crafting revamp, and those supplies start flowing back in).