4 banking trends to watch in 2026

Here is a summarized summary of the article in an unordered list format:

Increased M&A Activity: There has been a substantial rise in mergers and acquisitions among U.S. banks in 2025, driven by regional banks seeking growth and facing fewer potential acquirers in 2026 as midsize lenders become acquisition targets.
Artificial Intelligence Investments: Leading banks are investing in AI to enhance productivity and operational efficiency with expected returns in 2026. This trend is poised to continue, with AI poised to “reimagine” banking processes in various banks.
Chartering Trends: There’s a notable return to de novo charter applications for new banking institutions, buoyed by the positive regulatory attitude, with potential new entrants including traditional companies like Nissan exploring industrial loan company charters.
Regulatory Environment: The regulatory framework appears more stable with leadership in place, allowing regulatory discussions to advance, particularly around digital assets and banking policy, with high-profile regulatory battles in the courts and potential changes in leadership impacting decisions.