You don't have to be a big bank to add a coffee bar: First Bank & Trust in Sioux Falls, South Dakota

Capital One Bank branches, at least in cities, are moving from the traditional teller window format to having relationship managers come up to you, offices, and coffee bars--run by third parties not offering free coffee ("Capital One Cafe plies you with coffee and pastry while selling you services," Philadelphia Inquirer)..

This concept started with ING Bank in Philadelphia maybe 10 or more years ago.  Capital One acquired ING a number of years ago.

A shared lobby and gathering space separates First Bank & Trust and Coffea at Dawley Farm Village. (Photo: Joe Ahlquist / Argus Leader)

But First Bank & Trust, a three branch bank firm in Sioux Falls, South Dakota, probably learning from Capital One, is doing the same thing ("Open-concept bank renovation to add public spaces, coffee bar," Sioux Falls Argus-Leader).

It does leverage the point I make concerning linking food/beverage and retail:

people eat and drink every day, but they buy stuff comparatively infrequently.  So to build frequency of visits, if it makes sense, add food/beverage elements.

Banks not always seen as a boon for commercial districts.  Note that in commercial district revitalization planning, banks other than TD Bank, which is open 7 days/week, and usually with later hours than more traditional banks, as late as 7pm in some locations, can sometimes be seen as a negative because (1) they take high profile spots; (2) which are closed many hours per week; (3) and they drive up rents for traditional retailers, because banks will pay higher than normal rents for other reasons.

Does adding a cafe change the equation?  But I doubt that the food/beverage element is open beyond the bank's regular hours, which is an issue, and dampens the overall positive effect.

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There is a Starbucks in the lobby of a Wells Fargo Bank located on Orange Circle in Orange, California.  Although it's closing because of another Starbucks being across the street and the recent opening of an independent ("Starbucks to close one of its 2 cafes in Orange’s historic Old Towne Plaza ," Orange County Register).

The store has been in operation since 1995 and stays open one hour past the closing of the bank.

A great opportunity to see the value in including coffee/food/beverage as an element of "traditional" retail

Shop Made in DC is a retail shop in Dupont Circle selling locally made items, but it includes a coffee bar, and also sells artisan foods made locally as well ("Holiday Shopping, Small Business Saturday, etc.," 2017).

The firm is opening a new store in the new Wharf district on the Southwest Waterfron ("Shop Made in D.C. opening second location," Washington Business Journal) but without the coffee bar.  From the article:

The new location will give Shop Made in D.C. the chance to test a purely retail format, said Price. In Dupont Circle, the venue combines both traditional retail with a casual food and beverage component that highlights local food companies and beverage producers. ...

Price and Babin signed a one-year lease for The Wharf space to test the concept in a more tourist-heavy location.

“I think The Wharf will actually surprise us with the amount of people that live closer to there coming in,” Price said. “And of course, being in a neighborhood that is very tourist driven is of interest to us.”

Whereas the Dupont store opens early on weekdays for the coffee crowd and has more limited hours on weekends, Price expects The Wharf location to be much busier on weekends and in the evenings. It will be open from 10 a.m. to 8 p.m. daily to start.

My sense is that their retail sales will be significantly diminished by the failure to include a coffee bar.

People eat and drink every day.

OTOH, people buy retail stuff that is physical goods, especially artisanal produced items which tend to cost more (cf. The Arts and Crafts Movement), infrequently.

And the Wharf District customer base is likely to be visiting more for eatertainment purchases, and will be less inclined to buy physical goods.