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Fidelity Deposit and Discount Bank, The

Dunmore, PA · Cert 11868 · Fidelity D&D Bcorp Inc.

State charter, non-member · FDIC · 23 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

40

Q2 2024Q2 2026Peer median (50)

Asset Quality

81

Q2 2024Q2 2026Peer median (50)

Profitability

38

Q2 2024Q2 2026Peer median (50)

Liquidity

79

Q2 2024Q2 2026Peer median (100)

Efficiency

56

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Fidelity Deposit and Discount Bank, The

Dunmore, PA · Cert 11868 · Fidelity D&D Bcorp Inc.

State charter, non-member · FDIC · 23 branches

Q2 2026

$3.0BAssets
$2.1BLoans
$2.6BDeposits
$252.6MEquity
Loan mix
84%RE $1.6B12%C&I $0.2B4%Consumer $0.1BQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $2.0B23%Noninterest $0.6BQ3 2024Q2 2026

Market Position · Scranton--Wilkes-Barre, PA · 2026 SOD (annual) · 11.8% share · #3 of 21 inst. · $2.0B of $16.9B

17.3% Lackawanna
7.4% Luzerne
7.3% Northampton

Executive Summary

  • Earnings: ROA of 1.13%, up 10 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.08% of loans (-8 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.50%, up 35 bps from a year ago.
  • Funding: loans stand at 81.63% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.13%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+25 bps YoY

Efficiency Ratio (YTD, annualized)

58.23%-256 bps YoY

Tier 1 Leverage Ratio

9.50%+35 bps YoY

NIM

4.16%Q2 ’244.31%Q2 ’254.40%Q2 ’26+7%+10%

Non-interest income vs. expense

2.07%Q2 ’242.07%Q2 ’252.10%Q2 ’26-6%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.90%0.98%1.04%1.07%1.10%1.13%1.13%+10 bps
Return on Equity11.28%11.59%12.51%13.14%13.33%13.55%13.12%13.23%+9 bps
Net Interest Margin2.45%2.44%2.63%2.63%2.65%2.67%2.82%2.89%+25 bps
Efficiency Ratio65.43%65.26%61.05%60.79%60.55%59.93%57.92%58.23%-256 bps
Non-Interest Burden1.36%1.35%1.28%1.30%1.31%1.31%1.32%1.37%+7 bps
Growth
Asset Growth (YoY)5.61%3.26%9.82%7.81%4.62%6.32%5.46%10.21%+240 bps
Loan Growth (YoY)8.98%6.78%7.08%6.30%6.65%6.16%11.34%13.68%+738 bps
Deposit Growth (YoY)8.86%8.43%10.87%12.20%5.25%5.35%4.80%5.07%-713 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.41%0.33%0.17%0.14%0.10%0.12%0.08%-8 bps
Net Charge-Offs / Loans0.02%0.03%0.02%0.05%0.03%0.03%0.02%0.01%-4 bps
Allowance / Loans1.09%1.09%1.10%1.09%1.06%1.05%1.03%1.02%-7 bps
Allowance Coverage of NPLs2.7x2.7x3.3x6.5x7.8x10.7x8.6x12.2x+5.7x
Capital
Tier 1 Leverage Ratio9.24%9.17%9.17%9.15%9.26%9.34%9.37%9.50%+35 bps
Total Risk-Based Capital14.48%14.71%14.67%14.70%14.54%14.78%14.44%14.28%-42 bps
Equity / Assets7.87%7.84%7.76%8.07%8.37%8.69%8.55%8.50%+43 bps
Liquidity & Funding
Loans / Deposits76.61%76.89%73.93%75.45%77.62%77.48%78.54%81.63%+619 bps
Liquid Assets / Assets11.83%11.00%14.89%13.31%12.46%12.85%12.35%13.08%-22 bps
CRE / Total Capitaln/an/an/an/a307%302%327%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

Fidelity Deposit and Discount Bank, The

Dunmore, PA · Cert 11868 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Fidelity D&D Bcorp Inc.

State charter, non-member · FDIC · 23 branches

Q2 2026

$3.0BAssets
$2.1BLoans
$2.6BDeposits
$252.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 28 of 258).
  • Widest gap: equity / assets trails 86% of banks $1B-$10B in assets operating in a single state (rank 222 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.09%

Rank 159 of 258

Net Interest Margin

2.89%

Rank 219 of 258

Efficiency Ratio

58.45%

Rank 113 of 257

Equity / Assets

8.50%

Rank 222 of 258

Non-interest income vs. expense

$20.8M$60.2MINCOMEEXPENSE
Unfavorable gap of $39.4M · efficiency ratio beats 56% of banks $1B-$10B in assets operating in a single state
Bank 58.45%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.09%0.93%1.23%1.54%Beats 38%159 / 258
Return on Equity12.84%9.26%11.84%14.74%Beats 60%103 / 258
Net Interest Margin2.89%3.16%3.49%3.88%Beats 15%219 / 258
Efficiency Ratio58.45%51.71%60.30%69.65%Beats 56%113 / 257
Asset Quality
Nonperforming Loans / Loans0.08%0.19%0.46%0.90%Beats 90%28 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 72%75 / 258
Capital
Tier 1 Capital Ratio13.16%11.41%12.98%15.12%Beats 52%125 / 258
Total Risk-Based Capital Ratio14.28%12.10%13.91%16.08%Beats 54%119 / 258
Equity / Assets8.50%9.09%10.24%11.72%Beats 14%222 / 258
Liquidity & Funding
Loans / Deposits81.63%73.24%86.34%95.95%39th pctl158 / 258
Loans / Assets70.31%63.01%72.27%78.40%43rd pctl146 / 258
Brokered Deposits / Depositsn/aNot reported for this institution