Dunmore, PA · Cert 11868 · Fidelity D&D Bcorp Inc.
State charter, non-member · FDIC · 23 branches
Q2 2026
Market Position · Scranton--Wilkes-Barre, PA · 2026 SOD (annual) · 11.8% share · #3 of 21 inst. · $2.0B of $16.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.97% | 0.98% | 1.09% | 1.13% | 1.21% | 1.13% | 1.14% | +5 bps | |
| Return on Equity | 10.79% | 12.30% | 12.51% | 13.74% | 13.76% | 14.17% | 13.12% | 13.35% | -38 bps | |
| Net Interest Margin | 2.50% | 2.58% | 2.63% | 2.71% | 2.73% | 2.86% | 2.82% | 2.97% | +26 bps | |
| Efficiency Ratio | 64.76% | 64.79% | 61.05% | 60.53% | 60.08% | 58.20% | 57.92% | 58.53% | -200 bps | |
| Non-Interest Burden | 1.37% | 1.42% | 1.28% | 1.35% | 1.36% | 1.37% | 1.32% | 1.44% | +9 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 / Loans | 0.40% | 0.41% | 0.33% | 0.17% | 0.14% | 0.10% | 0.12% | 0.08% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.02% | 0.07% | -0.01% | 0.03% | 0.02% | 0.01% | -7 bps | |
| Allowance / Loans | 1.09% | 1.09% | 1.10% | 1.09% | 1.06% | 1.05% | 1.03% | 1.02% | -7 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.7x | 3.3x | 6.5x | 7.8x | 10.7x | 8.6x | 12.2x | +5.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.24% | 9.17% | 9.17% | 9.15% | 9.26% | 9.34% | 9.37% | 9.50% | +35 bps | |
| Total Risk-Based Capital | 14.48% | 14.71% | 14.67% | 14.70% | 14.54% | 14.78% | 14.44% | 14.28% | -42 bps | |
| Equity / Assets | 7.87% | 7.84% | 7.76% | 8.07% | 8.37% | 8.69% | 8.55% | 8.50% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.61% | 76.89% | 73.93% | 75.45% | 77.62% | 77.48% | 78.54% | 81.63% | +619 bps | |
| Liquid Assets / Assets | 11.83% | 11.00% | 14.89% | 13.31% | 12.46% | 12.85% | 12.35% | 13.08% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 302% | 327% | n/a | n/a | |