Fidelity D&D Bancorp Inc (NASDAQ: FDBC) is a community banking company that provides loans, deposits, and financial services to customers in Northeastern and Eastern Pennsylvania. Revenue is generated primarily through net interest income, the spread between interest earned on loans and investments and interest paid on deposits and borrowings, supplemented by fee-based income from trust fiduciary activities, financial services, interchange fees, and service charges. As of December 31, 2025, total assets were $2.69 billion and shareholders' equity was $219.0 million. Net interest income on a fully tax-equivalent basis was $75.8 million for FY2025, up from $64.9 million in FY2024, with a net interest margin of 2.95% in FY2025 compared to 2.72% in FY2024. The loan portfolio consists principally of residential real estate, consumer, commercial, and commercial real estate loans. Non-performing assets were 0.08% of total assets at December 31, 2025. The company competes for loans, deposits, and investment dollars with regional and national banks and other community banking institutions operating in its markets.

Revenue model

Net interest income from the spread between loan and investment yields and deposit funding costs, supplemented by fee income including trust fiduciary fees, financial services advisory and transaction fees, debit card interchange fees, and service charges. FY2025 net interest income (fully tax-equivalent) was $75.8 million.

Products and services

Residential real estate loans, consumer loans, commercial loans, commercial real estate loans (including owner-occupied and non-owner occupied), trust management and estate administration services, financial services and investment advisory accounts, debit card and deposit accounts, and foreclosed asset management.

Customers and end markets

Individual consumers, residential mortgage borrowers, small and mid-size commercial borrowers, commercial real estate property owners (including multi-family, medical office, self-storage, assisted living, and parking garage operators), and trust and estate clients in Lackawanna, Luzerne, and Northampton Counties in Pennsylvania.

Value-chain role

Deposit-taking and lending institution serving as a direct provider of credit and financial services to local consumers and businesses. Relies on third-party processors for debit card interchange and third-party service providers for technology infrastructure.

Geographic exposure

Primarily Lackawanna and Luzerne Counties in Northeastern Pennsylvania and Northampton County in Eastern Pennsylvania. Collateral properties concentrated in these same Northeastern and Eastern Pennsylvania markets.

Competitors

Regional banks, National banks, Other community banking institutions

Source: SEC 10-K, filed 2026-03-13

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