Rest assured their goal is full return to office despite the current "hybrid" model they are pushing, and you are not important enough to them to keep your job while being civilly disobedient.
Big banks, in particular, want to make a big, public show that "we're all going back to the office" in order to, at a minimum, delay the inevitable collapse of commercial real estate concentrated in major cities. On the inside, they're willing to quietly make exceptions if you fit the right profile (key talent, DEI quotas, political buddies, etc.). If you're a regular, high performing employee with no reason to be in an office, go pound sand.
Source: I'm that person. We lost a LOT of good people because of this over the last few years.