The findings: Deloitte’s July 2025 ConsumerSignals report gives us a glimpse into US banking customers’ current stressors and banks’ upcoming challenges. Here are our key takeaways:

• Deposits are about to drop: The savings and investment index has gone negative, dropping 9 percentage points since December 2024. Meanwhile, consumers expect their spending to rise based on the increasing prices of everyday goods. Financial institutions (FIs) could therefore face more challenges getting and retaining deposits over the coming months.
• Housing prices are plaguing all generations: Consumers across age groups spend more on housing than on any other expense, including education, childcare, groceries, and healthcare. This could help explain the depressed demand for home loans.