ujm: If you have a “more useful business”, then you should be able to go to the landlord of the property and offer him more money than the bank, since by definition your business will generate more profits.
If you feel than bank branches reflect an unwise business decision, you can purchase a “short” of the bank’s stock, since business that make unwise business decision will end up with lower profits and a lower stock price.
I suspect the banks feel that frum neighborhoods are good places to do business since they have vibrant small businesses and a young population (and small businesses and new families require the sorts of transactions one can’t do at an ATM machine, such as making loans), and where people are less comfortable transacting all business in an online environment. I note that none of the banks you mentioned as having branches have been in the news for being in danger of being closed down due to insolvency.