State of the Financial Consumer: 2025 Annual Report

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.

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 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 of the 2025 State of the Financial Consumer report and start planning with confidence.