Report for 2026 based on first-hand survey data from community banks, consumers, and local service providers.
When customers need credit most, does your bank show up?
If not, who is?
The data reveals a clear pattern:
Customers prefer to borrow from their community bank.
But increasingly, they borrow from whoever is visible and accessible in real time.
This research-driven report examines the widening gap between customer needs and how community banks are serving them.
Combined with industry research and market analysis, these findings provide a data-backed view of where lending demand exists, why community banks struggle to capture it, and what structural shifts are reshaping borrower behavior.
This report explores:
- Why 92% of surveyed community banks report losing customers to fintechs
- The $500–$3,000 “missing middle” opportunity
- Why origination economics limit participation
- How embedded and digital lending models are changing lender selection
- What the data suggests about reclaiming the lending moment
Is your bank losing customers to fintechs?
When your customers need credit most, is your bank able to show up?
Download the report for practical insights.
