20-Year Prospect
Like everything else nowadays, the role of commercial banks is evolving. And, as we all know, evolution is a capricious and occasionally painful process.
Small banks are failing left and right; not a single new bank was chartered in 2011 (source). However, the big banks are getting bigger. If you're working for Itty-Bitty Bank, you might be in trouble. If you're working for a brand name bank, like Bank of America, you'll find your assets are growing as these banks target more and more of the middle market (source).
Some of the biggest issues on the horizon (meaning, "You'll likely get a promotion if you come up with a viable solution"): online crime and cyberattacks (source). Understanding the privacy and security infrastructures in place (and how to keep them secure) is a key skill to have going forward.