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Market Analysis

Stop guessing. Start growing where it counts.

We evaluate branch and ATM networks to identify markets for growth, reduction, or repositioning.

Market Performance Intelligence

Data-driven clarity for distribution strategy.

Transforming spatial distribution, competitive footprint, and territory performance into actionable expansion insights.

  • Target market penetration mapping
  • Branch-to-ATM ratio optimization
  • M&A footprint overlap and rationalization
  • Competitor proximity profiling
  • Asset repositioning
City map with green pins marking bank branches and navy pins marking ATMs
Green = branches · Navy = ATMs. Click to enlarge.

Decision intelligence

A clearer view of your footprint.

Competitive intensity, customer access, market potential, and network performance belong in the same decision frame.

  • Growth-market identification
  • Branch and ATM opportunity analysis
  • Merger & Acquisition Due Diligence
  • Competitive intensity research
  • Repositioning and consolidation analysis
Atlanta MSA illustrative market analysis: top 10 banks and credit unions by share of the retail market
Illustrative market analysis — Atlanta MSA. Click to enlarge.

ATM site selection

Many firms offer branch site selection. We also pinpoint where your ATMs should be.

In an ever-changing digital world, convenience happens where people live, shop, and commute. Our state-of-the-art ATM site selection scores every candidate location on demand, traffic, retail adjacency, competitive whitespace, and network economics, then turns the results into a phased, fundable deployment plan.

ATM site selection process: opportunity screening, decision framework, prioritization, and capital allocation and optimization
How we identify winning ATM locations. Click to enlarge.

Our research

The 2026 FDIC deposit data overstates local growth.

Headline deposits grew 5.2%, but adjusted retail deposits in local markets grew just 1.6%, and credit unions captured 43% of that growth. This is the kind of market view we build for every client.

FDIC reported versus adjusted retail deposit growth, 2025 and 2026
FDIC reported vs. adjusted retail deposit growth. Click to enlarge.
2026 deposit growth and branch change by market type
Deposit growth and branch change by market type. Click to enlarge.
Bank deposit growth in the year after each first Fed rate hike, 1994 to 2022
Deposit growth after each first Fed rate hike. Click to enlarge.
Read the full analysis →

Where should your network grow next?

Bring us your market, network, or growth question. We’ll bring an experienced banking perspective.