Washington, D.C. - The National Bankers Association (NBA) has released its highly anticipated 2025 MDI Bank Leader Priorities Report, offering a comprehensive analysis of the current state of the Minority Depository Institutions (MDI) sector and revealing key priorities and challenges for MDI leaders. The survey delves into economic conditions, growth strategies, technology adoption, talent development, and more, providing invaluable insights into the future of mission-driven banking.
Following the success of the previous year’s survey, which highlighted emerging trends and opportunities within the MDI sector, the 2025 survey expands on these findings by exploring critical topics facing MDI leaders today. The National Bankers Association’s member banks represent a diverse range of institutions dedicated to serving underrepresented communities, and their perspectives are vital in shaping the future of the sector.
Key Findings:
Confidence in the Economy: 74% of MDI leaders expressed confidence in the economy, demonstrating optimism despite ongoing economic challenges.
· Growth Aspirations: 78% of MDI leaders are focused on growing their institutions into larger asset size bands, signaling a clear commitment to expansion and innovation.
· Investment Priorities: In 2025, MDIs are prioritizing investment in enhancing customer service technologies (89%) and expanding their branch networks (37%), reflecting their ongoing efforts to improve customer experience and increase accessibility.
· Technology Adoption: MDIs are focusing on integrating new technologies, with 79% planning to implement digital account opening, 58% exploring real-time payments, and 53% adopting consumer digital loans in the coming year.
· Talent Development: Recruitment remains a significant challenge, with 94% of MDI leaders reporting difficulty in recruiting talent. The two largest areas of talent need are in technology (72%) and operations (67%).
· Barriers to Technology Adoption: While technology presents an opportunity for MDIs, 76% cite implementation costs as the main barrier to adoption, while 53% struggle with a lack of technical expertise.
“MDIs are at the forefront of creating sustainable economic growth, driving innovation, and advancing financial inclusion,” said Nicole Elam, CEO of the National Bankers Association. “Our 2025 survey underscores the crucial role that mission-driven banks play in supporting entrepreneurs and empowering underserved communities. By leveraging technology, strategic partnerships, and a focus on talent development, MDIs are well-positioned to continue making an impact and ensuring a more equitable future for all.”
In addition to sharing the survey findings, the report features direct quotes from MDI leaders, providing additional context and a deeper understanding of the sector’s challenges and aspirations. These personal insights illustrate the dedication and passion of MDI leadership in advancing their missions and driving positive change in the communities they serve.
About the National Bankers Association: Founded in 1927, the National Bankers Association (NBA) champions minority depository institutions, advocating for mission-driven banks that serve underserved and low- to-moderate-income communities. Representing community banks across 43 states and territories, NBA promotes economic empowerment, capital access and financial inclusion. Learn more at www.nationalbankers.org.