The 2026 Consumer Banking Outlook

What Changing Consumer Expectations Mean for Deposits, Loyalty, and Growth

Consumers are becoming more intentional about how—and where—they manage their money. As expectations around technology, convenience, rates, and perceived value continue to rise, community financial institutions face increasing pressure to remain relevant within consumers’ consideration sets.

For community banks, these changes have meaningful implications for deposit growth, deposit stability and funding strategy, and long-term account retention. Competition from larger banks and fintechs, combined with evolving consumer expectations, is reshaping how loyalty is earned and maintained. Get a forward-looking perspective on consumer decision-making, competitive dynamics, and real-world experience working with community banks, to prepare for 2026 and beyond.
 

Key topics of interest:

• How consumers are reassessing their financial relationships and redefining value.
• What evolving deposit behavior may signal about retention and competitive risk.
• Where community institutions face the greatest competitive pressure—and opportunity.
• Strategic considerations for maintaining relevance and supporting sustainable deposit growth.

A complimentary webinar from ADVANTAGE