<p>Brick-and-mortar financial institutions remain important for low-income and non-White communities because of the services provided to small businesses, relationship lending, and access to credit. This study examines where racial/ethnic concentration matters in relation to the availability of financial institutions using a nuanced approach that assesses intersections with income and nativity. This study uses spatial analysis and logistic regressions to model the relationship between racial/ethnic neighborhoods and financial locations, controlling for socioeconomic characteristics and regional effects. The findings highlight that higher-income Asian neighborhoods in addition to low-income White areas had greater access to financial institutions relative to integrated neighborhoods. However, Latinx enclaves, American Indian and Alaska Native high-income areas, and low-income Black neighborhoods were less likely to be served. The study highlights the importance of understanding racial/ethnic neighborhoods in a nuanced way and prioritizing bank locations in low-income neighborhoods that remain key for community economic development.</p>