F
FIDELITY D & D BANCORP INC
FDBCCIK 0001098151NasdaqAcceleratedSmaller ReportingNational Commercial BanksPennsylvaniaFY ends Dec 31
Period
FY 2025
Revenue
—
Net Income
$28.20M
Total Assets
$2.75B
Equity
$238.86M
Shares Out
5.81M
Op. Cash Flow
$42.36M
Business
Fidelity D & D Bancorp, Inc. is a Pennsylvania-chartered bank holding company whose subsidiary, The Fidelity Deposit and Discount Bank, operates since 1903 and provides traditional banking services. The Bank offers deposit accounts, personal and corporate trust services, asset management, insurance products, and a loan portfolio comprising residential real estate, consumer, commercial, and commercial real estate loans. The Company operates primarily in Lackawanna, Luzerne, and Northampton counties in Northeastern and Eastern Pennsylvania, competing on customer service and local decision-making.
Summary from 10-K filed 2026-03-13
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Taxable | 98 | 88 | 77 | 62 | 54 | |
| Nontaxable | 5 | 5 | 3 | 2 | 2 | |
| Interest-bearing deposits with financial institutions | 5 | 2 | 456,000 | 886,000 | 148,000 | |
| Restricted investments in bank stock | 329,000 | 322,000 | 309,000 | 184,000 | 127,000 | |
| U.S. government agency and corporations | 6 | 6 | 6 | 6 | 4 | |
| States and political subdivisions (nontaxable) | 4 | 4 | 5 | 5 | 4 | |
| States and political subdivisions (taxable) | 2 | 2 | 2 | 2 | 1 | |
| Total interest income | 120 | 107 | 94 | 79 | 65 | |
| Deposits | 47 | 43 | 29 | 6 | 3 | |
| Secured borrowings | 368,000 | 435,000 | 475,000 | 209,000 | 156,000 | |
| Short-term borrowings | 0 | 2 | 2 | 45,000 | 1,000 | |
| Total interest expense | 47 | 45 | 32 | — | — | |
| Net interest income | 73 | 62 | 62 | 72 | 62 | |
| Provision for credit losses on loans | 1 | 1 | 1 | 2 | — | |
| Provision for credit losses on unfunded loan commitments | 215,000 | 140,000 | −165,000 | −13,000 | — | |
| Net interest income after provision for credit losses | 71 | 60 | 61 | 70 | 60 | |
| Earnings on bank-owned life insurance | 2 | 2 | 1 | 1 | 1 | |
| Loans | 2 | 972,000 | 899,000 | 2 | 4 | |
| Available-for-sale debt securities | −1 | 0 | −6 | 4,000 | 46,000 | |
| Premises and equipment | 296,000 | −12,000 | −216,000 | −195,000 | −186,000 | |
| Total other income | 21 | 19 | 11 | 17 | 18 | |
| Salaries and employee benefits | 31 | 29 | 26 | 27 | 24 | |
| Premises and equipment | 10 | 9 | 9 | 8 | 7 | |
| Data processing and communication | 3 | 3 | 3 | 3 | 3 | |
| Advertising and marketing | 3 | 3 | 3 | 3 | 3 | |
| Professional services | 4 | 4 | 4 | 3 | 3 | |
| Automated transaction processing | 2 | 2 | 2 | 2 | 1 | |
| Office supplies and postage | 744,000 | 732,000 | 716,000 | 682,000 | 640,000 | |
| PA shares tax expense | 333,000 | 443,000 | 126,000 | 716,000 | — | |
| Loan collection | 124,000 | 102,000 | 85,000 | 248,000 | 126,000 | |
| Other real estate owned, net | −37,000 | −9,000 | 4,000 | 15,000 | 29,000 | |
| FDIC assessment | 1 | 1 | 1 | 694,000 | 679,000 | |
| Other | 4 | 3 | 4 | 3 | 3 | |
| Total other expenses | 59 | 56 | 52 | 51 | 50 | |
| Income before income taxes | 33 | 24 | 20 | 35 | 28 | |
| Provision for income taxes | 5 | 3 | 2 | 5 | 4 | |
| Net income | 28 | 21 | 18 | 30 | 24 | |
| Net income - basic (in dollars per share) | 4.89 | 3.63 | 3.21 | 5.32 | 4.51 | |
| Net income - diluted (in dollars per share) | 4.86 | 3.6 | 3.19 | 5.29 | 4.48 | |
| Dividends (in dollars per share) | 1.63 | 1.54 | 1.46 | 1.35 | 1.23 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 25 | 26 | 29 | 4 | 27 | |
| Interest-bearing deposits with financial institutions | 123 | 57 | 83 | 26 | 70 | |
| Total cash and cash equivalents | 148 | 83 | 112 | 29 | 97 | |
| Available-for-sale securities (amortized cost of $333,012 in 2025; $384,280 in 2024) | 297 | 331 | — | — | — | |
| Held-to-maturity securities (fair value of $203,137 in 2025; $194,575 in 2024) | 227 | 226 | — | — | — | |
| Restricted investments in bank stock | 4 | 4 | 4 | 5 | 3 | |
| Loans and leases, net (allowance for credit losses of $20,168 in 2025; $19,666 in 2024) | 1,891 | 1,779 | — | — | — | |
| Loans held-for-sale (fair value $588 in 2025; $2,089 in 2024) | 573,000 | 2 | 1 | 2 | 32 | |
| Foreclosed assets held-for-sale | 326,000 | 430,000 | 1,000 | 168,000 | 434,000 | |
| Bank premises and equipment, net | 49 | 36 | 34 | 31 | 29 | |
| Leased property under finance leases, net | 757,000 | 975,000 | 1 | 1 | 1 | |
| Right-of-use assets | 9 | 9 | 8 | 9 | 9 | |
| Cash surrender value of bank owned life insurance | 59 | 58 | 55 | 54 | 53 | |
| Accrued interest receivable | 10 | 10 | 9 | 8 | 8 | |
| Goodwill | 20 | 20 | 20 | 20 | 20 | |
| Core deposit intangible, net | 614,000 | 876,000 | 1 | 2 | 2 | |
| Other assets | 32 | 25 | 24 | 27 | 9 | |
| Total assets | 2,748 | 2,585 | 2,503 | 2,378 | 2,419 | |
| Interest-bearing | 1,915 | 1,807 | 1,622 | 1,564 | 1,580 | |
| Non-interest-bearing | 553 | 534 | 536 | 603 | 590 | |
| Total deposits | 2,467 | 2,341 | 2,158 | 2,167 | 2,170 | |
| Allowance for credit losses on off-balance sheet credit exposures | 1 | 1 | 944,000 | 49,000 | 62,000 | |
| Finance lease obligation | 793,000 | 1 | 1 | 1 | 1 | |
| Operating lease liabilities | 10 | 10 | 9 | 9 | 10 | |
| Short-term borrowings | 20,000 | 0 | 117 | 13 | 0 | |
| Secured borrowings | 6 | 6 | 7 | 8 | 11 | |
| Accrued interest payable and other liabilities | 24 | 22 | 20 | 17 | 16 | |
| Total liabilities | 2,509 | 2,381 | 2,314 | 2,215 | 2,207 | |
| Commitments and contingencies (Notes 13 and 17) | — | — | — | — | — | |
| Preferred stock authorized 5,000,000 shares with no par value; none issued | 0 | 0 | 0 | 0 | 0 | |
| Capital stock, no par value (10,000,000 shares authorized; shares issued and outstanding; 5,771,110 at December 31, 2025; and 5,736,252 at December 31, 2024) | 121 | 119 | 118 | 116 | 114 | |
| Retained earnings | 159 | 140 | 128 | 120 | 97 | |
| Accumulated other comprehensive loss | −41 | −56 | −56 | −71 | 179,000 | |
| Treasury stock, at cost (180 shares at December 31, 2025 and 54 shares at December 31, 2024) | 0 | 0 | 0 | −1 | — | |
| Total shareholders' equity | 239 | 204 | 189 | 163 | 212 | |
| Total liabilities and shareholders' equity | 2,748 | 2,585 | 2,503 | 2,378 | 2,419 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Depreciation, amortization and accretion | 5 | 6 | 6 | 5 | 5 | |
| Deferred income tax benefit | −1 | −1 | −593,000 | 2 | — | |
| Stock-based compensation expense | 1 | 1 | 2 | 1 | 1 | |
| Excess tax benefit from exercise of SSARs | 21,000 | 0 | 104,000 | 12,000 | 26,000 | |
| Proceeds from sale of loans held-for-sale | 68 | 60 | 52 | 79 | 162 | |
| Originations of loans held-for-sale | −58 | −59 | −54 | −67 | −187 | |
| Gain from bank-owned life insurance claim | −200,000 | 0 | −142,000 | 0 | — | |
| Net gain from sales of loans | −2 | −972,000 | −899,000 | −2 | −4 | |
| Net gain from sale and write-down of foreclosed assets held-for-sale | −69,000 | −13,000 | −2,000 | −19,000 | −44,000 | |
| Net (gain) loss from write-down and disposal of bank premises and equipment | −296,000 | 12,000 | 216,000 | 195,000 | 186,000 | |
| Operating lease payments | 69,000 | 59,000 | 64,000 | 93,000 | 60,000 | |
| Accrued interest receivable | −41,000 | −540,000 | −604,000 | −961,000 | −900,000 | |
| Other assets | −2 | 550,000 | 420,000 | −924,000 | 1 | |
| Accrued interest payable and other liabilities | 2 | 3 | 592,000 | 2 | 3 | |
| Net cash provided by operating activities | 42 | 30 | 30 | 49 | 7 | |
| Proceeds from sales | 45 | 0 | 60 | 2 | 44 | |
| Proceeds from maturities, calls and principal pay-downs | 28 | 23 | 25 | 41 | 54 | |
| Purchases | −25 | −15 | 0 | — | — | |
| Increase in restricted investments in bank stock | −412,000 | −56,000 | 1 | −2 | 792,000 | |
| Net increase in loans and leases | −122 | −119 | −122 | −116 | 7 | |
| Principal portion of lease payments received under direct finance leases | 3 | 4 | 5 | 6 | 5 | |
| Purchase of bank-owned life insurance policies | 0 | −2 | 0 | 0 | 0 | |
| Purchases of bank premises and equipment | −18 | −5 | −7 | −6 | −3 | |
| Purchases of tax credits | −7 | 0 | — | — | — | |
| Proceeds from death benefits received on bank-owned life insurance | 419,000 | 0 | 931,000 | 0 | — | |
| Proceeds from sale of bank premises and equipment | 623,000 | 20,000 | 844,000 | 1 | 2 | |
| Proceeds from sale of foreclosed assets held-for-sale | 623,000 | 254,000 | 2,000 | 1 | 835,000 | |
| Net cash used in investing activities | −95 | −114 | −35 | −115 | −303 | |
| Net increase in deposits | 127 | 182 | −8 | −3 | 352 | |
| Net decrease in borrowings | −247,000 | −118 | 104 | 10 | −12 | |
| Repayment of finance lease obligation | −218,000 | −219,000 | −229,000 | −232,000 | −159,000 | |
| Proceeds from employee stock purchase plan participants | 248,000 | 280,000 | 302,000 | 252,000 | 270,000 | |
| Repurchase of shares to cover withholdings | −121,000 | −79,000 | −239,000 | −20,000 | 0 | |
| Dividends paid, net of dividends reinvested | −9 | −9 | −7 | −8 | −7 | |
| Net cash provided by financing activities | 118 | 55 | 88 | −2 | 324 | |
| Net increase (decrease) in cash and cash equivalents | 65 | −29 | 83 | −68 | 28 | |
| Interest | 46 | 43 | 29 | 6 | 4 | |
| Federal taxes | 5 | 4 | 3 | — | — | |
| State taxes | 75,000 | 66,000 | 40,000 | — | — | |
| Net change in unrealized losses on available-for-sale securities | 15 | −1 | 16 | −68 | −11 | |
| Transfers from loans to foreclosed assets held-for-sale | 449,000 | 669,000 | — | 776,000 | 481,000 | |
| Transfers from loans to loans held-for-sale, net | 6 | 855,000 | −2 | 18 | −24 | |
| Transfers from premises and equipment to other assets held-for-sale | 1 | 268,000 | 0 | 1 | 1 | |
| Net change in right-of-use asset | 601,000 | 1 | −81,000 | 141,000 | 2 | |
| Net change in lease liability | 601,000 | 2 | −81,000 | 141,000 | — |
Filings
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Holdings (13F)
Portfolio as of 2026-03-31 · 166 positions
Reported AUM
$249.37M
Holdings
166
Top sector
$249.37M
Top sectors
| Sector | Value | % of portfolio |
|---|---|---|
| Uncategorized | $249.37M | 100.0% |
Top holdings
| Issuer | Ticker | Shares | Value | % |
|---|---|---|---|---|
| SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF | — | 453.2K | $20.69M | 8.3% |
| INVESCO S&P 500 PURE VALUE | — | 192.6K | $20.68M | 8.3% |
| Avantis US Large Cap Value ETF | — | 216.5K | $17.45M | 7.0% |
| GMO INTERNATIONAL VALUE ETF | — | 432.9K | $15.69M | 6.3% |
| AVANTIS EMERGING MARKETS VALUE ETF | — | 181.3K | $10.88M | 4.4% |
| VANGUARD DIVIDEND APPRECIATION ETF | — | 49.7K | $10.69M | 4.3% |
| INTERNATIONAL BUSINESS MACHINES CORP | — | 39.9K | $9.67M | 3.9% |
| AVANTIS INTERNATIONAL SMALL CAP VALUE ETF | — | 96.8K | $9.67M | 3.9% |
| ISHARES RUSSELL 1000 GROWTH ETF | — | 21.7K | $9.24M | 3.7% |
| JOHN HANCOCK MORTGAGE-BACKED ETF | — | 404.0K | $8.89M | 3.6% |
Frequently asked questions
What is FIDELITY D & D BANCORP INC's CIK number?
FIDELITY D & D BANCORP INC's SEC CIK number is 0001098151 (1098151). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find FIDELITY D & D BANCORP INC's SEC filings?
All of FIDELITY D & D BANCORP INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did FIDELITY D & D BANCORP INC last report earnings?
FIDELITY D & D BANCORP INC (FDBC) most recently filed an earnings 8-K with the SEC on Apr 22, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001437749-26-012999). This is FIDELITY D & D BANCORP INC's most recent earnings filing of record — not a forecast of its next earnings date.
What is FIDELITY D & D BANCORP INC's most recent earnings 8-K?
FIDELITY D & D BANCORP INC's latest earnings 8-K (Item 2.02) was filed Apr 22, 2026 under accession 0001437749-26-012999. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View FIDELITY D & D BANCORP INC's latest earnings 8-K →
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