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Letter portraitLegal landscapeQuarterYTD

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