--- title: "State of the Financial Consumer: 2025 Annual Report" description: Discover what today’s banking consumers really want. Download the 2025 State of the Financial Consumer report for data-driven insights to guide your financial institution’s strategy. image: https://www.lamacchiagroup.com/hubfs/Handshake%20Header%20Image.jpg --- [![1_](https://www.lamacchiagroup.com/hs-fs/hubfs/1_.png?width=120&height=37&name=1_.png) ![icon3-2](https://www.lamacchiagroup.com/hubfs/icon3-2.png) ](https://www.lamacchiagroup.com/) [![1](https://www.lamacchiagroup.com/hs-fs/hubfs/1.png?width=120&height=37&name=1.png) ![icon1-1](https://www.lamacchiagroup.com/hubfs/icon1-1.png) ](https://vivalociti.lamacchiagroup.com/) [![Logo w Tag - Color@300x (1)](https://www.lamacchiagroup.com/hs-fs/hubfs/Logo%20w%20Tag%20-%20Color@300x%20(1).png?width=248&height=73&name=Logo%20w%20Tag%20-%20Color@300x%20(1).png "Logo w Tag - Color@300x (1)")](https://www.lamacchiagroup.com/) ![State of the Financial Consumer: 2025 Annual Report](https://www.lamacchiagroup.com/hubfs/Handshake%20Header%20Image.jpg) Share:   [** ](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.lamacchiagroup.com%2Fresources%2Fstate-of-the-financial-consumer-2025-annual-report)  [** ](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.lamacchiagroup.com%2Fresources%2Fstate-of-the-financial-consumer-2025-annual-report) # State of the Financial Consumer: 2025 Annual Report [by La Macchia Group](https://www.lamacchiagroup.com/resources/author/la-macchia-group) At La Macchia Group, we’ve long believed that successful strategy starts with insight. To design smart growth plans, financial institutions must understand not just where their communities are—but *who* their communities are. That’s why, for decades, our Market Studies have helped banks and credit unions uncover critical data to guide everything from branch placement to experience design. But data alone isn’t enough. [![Button (4)](https://www.lamacchiagroup.com/hs-fs/hubfs/Button%20(4).png?width=300&height=100&name=Button%20(4).png)](https://www.lamacchiagroup.com/state-of-the-financial-consumer-2025)   To bring real-world context to our insights, we conduct an annual nationwide survey of banking consumers. This year's [*State of the Financial Consumer*](https://www.lamacchiagroup.com/state-of-the-financial-consumer-2025) report captures the human side of the story—how people bank, what they expect from their financial institutions, and how those expectations are shifting across generations and channels. What you’ll find inside: - A snapshot of evolving banking behaviors - What customers value most—convenience, trust, personalization, and more - Gaps between expectations and experiences - Actionable insights to guide your strategic planning Whether you're rethinking your branch network, refining your digital offerings, or just trying to stay relevant in a rapidly changing landscape, this report offers the clarity you need to move forward. [Download your copy](https://www.lamacchiagroup.com/state-of-the-financial-consumer-2025) of the *2025 State of the Financial Consumer* report and start planning with confidence. [![FI Report Cover (1)](https://www.lamacchiagroup.com/hs-fs/hubfs/FI%20Report%20Cover%20(1).png?width=512&height=641&name=FI%20Report%20Cover%20(1).png)](https://www.lamacchiagroup.com/state-of-the-financial-consumer-2025)   ### SUBSCRIBE TO OUR BLOG SIGN UP × ## RELATED RESOURCES [![](https://www.lamacchiagroup.com/hubfs/iStock-2231181721.jpg)](https://www.lamacchiagroup.com/resources/financial-literacy-designing-branches-that-educate-and-empower) Planning Financial Literacy: Designing Branches that Educate and Empower Financial literacy has been a priority for financial institutions for years. From educational... [Read more](https://www.lamacchiagroup.com/resources/financial-literacy-designing-branches-that-educate-and-empower) [![](https://www.lamacchiagroup.com/hubfs/DiamondCU_XT40624-1.jpg)](https://www.lamacchiagroup.com/resources/evolving-your-branch-what-does-leveling-up-actually-mean) Design / Build, Experiential Evolving Your Branch: What Does Leveling Up Actually Mean? 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[Read more](https://www.lamacchiagroup.com/resources/flexible-spaces-and-why-they-benefit-financial-institutions) [**](https://www.lamacchiagroup.com/resources/state-of-the-financial-consumer-2025-annual-report#top) ![footer logo](https://www.lamacchiagroup.com/hubfs/footer%20logo.png "footer logo") MAIN OFFICE 157 North Milwaukee Street Milwaukee, WI 53202 phone: 414.223.4400 fax: 414.223.4488 Follow us: - [**](http://www.facebook.com/pages/La+Macchia+Group/116185245218541) - [**](http://www.linkedin.com/company/la-macchia-group) ©2026 La Macchia Group, Inc. ![](https://px.ads.linkedin.com/collect/?pid=4027404&fmt=gif)