Executive Summary​

​The Landscape: Why This Year Mattered

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This past year unfolded in a particularly complex and challenging environment for mission-driven banks.

MDIs operated amid:

• A shifting political climate and increased scrutiny of equity-focused initiatives

• Regulatory uncertainty affecting small and mid-sized banks

• Rising compliance, technology, and operational costs

• Continued economic pressure on the communities MDIs serve

At the same time, MDIs were asked to do more: modernize systems, meet heightened supervisory expectations,

expand digital offerings, and remain responsive to community needs with fewer resources than their larger peers.

In this environment, the NBA’s role was essential.

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The Association and Foundation served as a stabilizing force and strategic partner for MDIs; advocating for fair

policy, translating regulatory complexity, providing data to shape narratives, and delivering programs that helped

banks strengthen operations and plan for growth.

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This year was not simply about reacting to challenges; it was about positioning MDIs for long-term sustainability

and continued impact. The work outlined in this report reflects that commitment and the collective progress of a

sector that continues to lead with purpose, resilience, and vision.

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Key highlights include:

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• 42 policy meetings with regulators, Congress, and the Administration to elevate and protect MDI priorities

• $4.2M+ in new foundation grants to support free programs, pilots, and capacity-building for members

• $1.5M+ invested in MDI technology modernization through MDI ConnectTech

• 64% growth in Our Money Matters users, expanding financial wellness in MDI-served communities