Across all industries, physical spaces are being asked to do something different: create connections, build trust, and offer experiences that consumers can’t get online. Across our projects and research, we’re seeing financial institutions rethink not just what the branch looks like, but how they function for both staff and consumers. From right-sizing new branch footprints to integrating sleek, intuitive technology, here are a few trends we are seeing shape the branch of 2026.
We see more branches than ever making sure that their space won’t be too large. Rather than focusing on building the largest branch, banks and credit unions are focusing on efficiency, flexibility, and smarter space planning. By using multi-functional spaces that can evolve over time, designing around the consumer journey, and utilizing layouts and business models that reduce the need for traditional teller lines, financial institutions are saving money and time in a way that benefits everyone.
A great example of this concept is Forte Bank’s West Bend, WI branch. When working on this branch, it was important to the Forte team to have a space that a complementary business could occupy. Rather than absorbing extra space that would go unused now, Forte now can generate lease income while providing space for a local business. This space will be available in the future for the Forte team if needed.
Financial institutions are increasingly trying to make a visit to the branch a comforting experience, some would argue that they’re taking cues from hospitality and retail environments. With coffee bars, lounges designed for conversation and relaxation, and activities for children, branches are becoming approachable spaces rather than purely transactional environments. Creating a space that consumers can relax in reduces barriers between them and staff, fewer barriers create more opportunities for financial education and longer dwell time.
California Coast Credit Union in San Diego, CA takes member comfort to the next level. Their Liquidity Lounge, financial theater and optimal seating areas in the branch are all ways they ensure members are as comfortable and relaxed as possible. Using these spaces for quick meetings, casual conversations, or even educational moments help foster stronger relationships between staff and members.
While the conversation is usually centered around the consumer experience, staff experience continues to play a major role in branch planning. Between hoteling offices, collaboration and breakout spaces, it’s important to design spaces that support both collaboration and focused work. With a more open footprint, there is usually improved visibility and communication between departments, which contributes to improved staff morale.
Publix Employees Federal Credit Union’s branch in Lakeland, Florida features open concept, yet private workspaces for their staff. Utilizing artistic, sound absorbing ceiling features help reduce noise transfer and allow the team to still feel comfortable speaking at a proper level, even with members in the lobby.
Our teams are seeing more digital and interactive displays that feel fully integrated into the environment, naturally enhancing the space rather than distracting from it. The most effective branch technology feels seamless. Rather than overwhelming the space and consumers, it should support the overall branch experience in a natural and user-friendly way.
A great example of intuitive technology is GR Consumers Credit Union's Muxwave display, transforming what would otherwise be a glass window or solid wall into a transparent LED display. This technology allows natural light to enter the space while simultaneously supporting branding, visibility, and security needs, all without occupying valuable floor space.
While these trends will continue to shift, one thing remains consistent: the most successful branch environments are designed around people first. Branches are no longer transaction hubs, they’re spaces that build relationships, educate consumers, and create meaningful experiences within the communities they serve.