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Home ABA Banking Journal Podcast

Demographic trends shaping the U.S. banking outlook

July 30, 2025
Reading Time: 1 min read
Demographic trends shaping the U.S. banking outlook

The U.S. is experiencing a massive demographic shift driven by the aging Baby Boom generation, declining birth rates and shifts in immigration trends. What effect will aging have on the banking outlook? In the season finale of the ABA Banking Journal Podcast, ABA economist JP Rothenberg discusses how America’s aging population:

  • Shifts balance sheet management strategies with a surplus of stable deposits by weaker localized loan demand.
  • May increasingly push banks into new markets to drive loan growth, which further accelerates consolidation.
  • Magnifies credit risk during downturns in the tail of the risk profile
  • Increases opportunities for personalized wealth management solutions and expands the growth prospects of senior-serving business sectors.

Click here to download the episode if you can’t see the player above.

In this episode

JP Rothenberg
VP, Economist
ABA Office of the Chief Economist

Tags: ABA Banking Journal PodcastDemographics
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