Bank owners are in the throes of rethinking their branch networks. This process has been ongoing for years, thanks largely to the rising popularity of digital banking, but the pandemic has brought the question of the future of branches into sharper focus. Aware that a substantial share of customers likely won’t return to branches after Covid-19 fears abate, community banks continue to invest in digital banking tools that kept them in business during the pandemic. But small institutions haven’t abandoned the concept of the retail branch . . .
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