Core deposits — primarily checking accounts, savings accounts, and money market accounts — are stable, low-cost deposits that are the foundation of a bank's funding. Unfortunately, core deposit growth has become one of the greatest challenges facing FIs, including community banks. And so, consumer and business deposit acquisitions (a 2025 priority) will remain a focus in 2026 and beyond.
In this intriging Q&A session, Media Logic's resident expert, Nicole Johnson, Group Director and FS Practice Lead, shares her perspective on the Lower Midde Market segment honed by decades of commercial payments and retail banking marketing experience.
Branch expansion intent jumped from 29% to 35% year-over-year with credit unions leading at 61% (Financial Brand).The days of assuming sophisticated branch strategies are exclusive to big banks are over. Regional banks, community banks, and credit unions aren't just keeping pace—they're setting the innovation standard. While large institutions focus on scale, smaller players are winning through strategic thinking applied to local advantages.
