Fidelity D & D Bancorp, Inc. (FDBC) SEC Filings & Earnings Calls
EquiReason read 15 Fidelity D & D Bancorp, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-21 — Fidelity D & D Bancorp reports record Q3 2026 net income of $8.9M ($1.53/diluted share), up 21% YoY, driven by net interest income growth and margin expansion..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 374.7M
- P/E TTM
- 12.3
- Dividend yield
- 2.6%
- 52-week
- —
- Next earnings
- 28 Oct, in 4 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
21 Oct 20268-K · 2.02Fidelity D & D Bancorp reports record Q3 2026 net income of $8.9M ($1.53/diluted share), up 21% YoY, driven by net interest income growth and margin expansion.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q3-2026 | $9M | +21% y/y |
| Diluted earnings per share · Q3-2026 | $1.53 | +20% y/y |
| Net interest income · 9M-2026 | $62M | +16% y/y |
| FTE net interest margin · Q3-2026 | 3.3% | |
| Efficiency ratio · Q3-2026 | 56.1% | |
| Total assets · Q3-2026 | $3.00B | |
| Provision for credit losses on loans · Q3-2026 | $1M | |
| Non-interest income · Q3-2026 | $6M | +20% y/y |
| Non-interest expense · Q3-2026 | $16M | +10% y/y |
| Cost of interest-bearing liabilities · Q3-2026 | 2.3% |
Risks flagged
Provision for credit losses increased due to loan growth, indicating potential credit risk
“provision for credit losses on loans was $1.1 million compared to $200 thousand in prior year”
Non-interest expense growth driven by staffing and strategic initiatives
“increase in non-interest expenses attributed to added salaries and benefits expense of $0.6 million”
7 Aug 202610-QFidelity D & D Bancorp reported Q2 2026 net income of $7.8M, up 13% YoY, driven by NIM expansion and loan growth.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin (FTE) · Q2-2026 | 3.2% | |
| Net income · Q2-2026 | $8M | +13% y/y |
Guidance
Management expects loan demand supported by pipeline and continued loan growth, with NIM protection through active balance sheet management.
Risks flagged
Commercial real estate concentration
“At June 30, 2026, the commercial real estate portfolio was 46% of total loans outstanding compared to 43% at December 31, 2025.” · word for word
Interest rate uncertainty
“For the remainder of 2026, the Company currently expects to operate in an uncertain interest rate environment with little change in short-term rates.” · word for word
22 Jul 20268-K · 2.02Net income $8M (+13% y/y); Diluted earnings per share $1.33 (+11% y/y); Net interest margin (FTE) 3.22earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $8M | +13% y/y |
| Diluted earnings per share · Q2-2026 | $1.33 | +11% y/y |
| Net interest margin (FTE) · Q2-2026 | 3.2% | |
| Net interest income · Q2-2026 | $21M | +16% y/y |
Risks flagged
Increase in provision for credit losses due to loan growth; noninterest expenses up 9% YoY.
“Provision for credit losses on loans was $400 thousand... increase in the provision for credit losses on loans compared to the prior year period was due to more funded loan growth.” · word for word
8 May 202610-QNet income $8M (+25% y/y); Net interest income (FTE) $20M (+13% y/y); Net interest margin (FTE) 3.08open
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $8M | +25% y/y |
| Net interest income (FTE) · Q1-2026 | $20M | +13% y/y |
| Net interest margin (FTE) · Q1-2026 | 3.1% | |
| Efficiency ratio (non-GAAP) · Q1-2026 | 58.5% | |
| Gross loans · 2026-03-31 | $2.02B | |
| Total deposits · 2026-03-31 | $2.52B | |
| Allowance for credit losses · 2026-03-31 | $21M | +5% y/y |
| Non-accrual loans · 2026-03-31 | $2M | -59% y/y |
| Return on average assets (ROA) · Q1-2026 | 1.1% | |
| Return on average equity (ROE) · Q1-2026 | 12.4% |
Guidance
Expects stable to moderately declining rate environment; loan demand supported by pipeline; NIM could face pressure but deposit cost management may offset.
Risks flagged
Provision increase from loan growth
“provision for credit losses on loans was $875 thousand...increase...due to significantly higher loan growth between the comparable periods.” · word for word
Interest rate risk in declining rate environment
“In a declining-rate environment, yields on variable-rate loans and other earning assets may reprice downward more quickly than funding costs, which could pressure NIM.” · word for word
Commercial real estate concentration
“commercial real estate loans increased $82.9 million, or 20%...non-owner occupied CRE loans as having a higher risk profile.” · word for word
6 May 20268-K · 5.07, 7.01Submitted matters to a vote of security holders; issued a Regulation FD disclosure (forward guidance or material update)open
Risks flagged
No material risks identified.
22 Apr 20268-K · 2.02Net income $8M (+25% y/y); Diluted earnings per share $1.28 (+24% y/y); Net interest income $19M (+14% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $8M | +25% y/y |
| Diluted earnings per share · Q1-2026 | $1.28 | +24% y/y |
| Net interest income · Q1-2026 | $19M | +14% y/y |
| Net interest margin (FTE) · Q1-2026 | 3.1% | |
| Provision for credit losses on loans · Q1-2026 | $875000.00 | +92% y/y |
| Non-interest income · Q1-2026 | $5M | +4% y/y |
| Non-interest expense · Q1-2026 | $15M | +4% y/y |
Risks flagged
Provision for credit losses increased significantly due to loan growth, indicating potential credit risk from rapid expansion.
“the increase in the provision for credit losses on loans compared to the prior year period was due to significantly higher loan growth.” · word for word
25 Mar 2026DEF 14AFidelity D & D Bancorp filed its definitive proxy statement for the 2026 annual meeting, disclosing executive compensation tied to core net income, core deposit growth, and KPI scores, with net income increasing 35.6% YoY.open
Figures in the filing · each found in the filing text
| Net Income · FY2023 | $18M |
13 Mar 202610-KNet income $28M (+36% y/y); Net interest income (FTE) $76M (+17% y/y); FTE net interest margin 2.95open
Figures in the filing · each found in the filing text
| Net income · FY2025 | $28M | +36% y/y |
| Net interest income (FTE) · FY2025 | $76M | +17% y/y |
| FTE net interest margin · FY2025 | 3.0% | |
| Non-performing assets to total assets · FY2025 | 0.1% | |
| Total assets · FY2025 | $2.75B | +6% y/y |
| Total loans · FY2025 | $1.91B | +6% y/y |
| Allowance for credit losses on loans · FY2025 | $20M | +3% y/y |
| Return on average assets (ROA) · FY2025 | 1.1% | |
| Return on average equity (ROE) · FY2025 | 12.9% | |
| Efficiency ratio · FY2025 | 60.3% |
Guidance
Expects net interest margin improvement in 2026 driven by loan and deposit growth and deposit repricing.
Risks flagged
Tariff and trade policy impact on local customers
“Changes in trade policies, including the imposition of tariffs or the escalation of a trade war, could negatively impact the economic conditions in the markets the Company serves.” · word for word
Interest rate sensitivity
“The Company’s earnings depend primarily on net interest income...Interest rate spread is significantly impacted by: changes in interest rates and market yield curves.” · word for word
28 Jan 20268-K · 2.02Net income $28M (+36% y/y); Diluted earnings per share $4.86 (+35% y/y); Net interest income $73M (+17% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · FY2025 | $28M | +36% y/y |
| Diluted earnings per share · FY2025 | $4.86 | +35% y/y |
| Net interest income · FY2025 | $73M | +17% y/y |
| Net interest margin (FTE) · FY2025 | 3.0% | |
| Non-interest income · FY2025 | $21M | +8% y/y |
| Provision for credit losses on loans · FY2025 | $1M | -15% y/y |
| Total assets · Q4-2025 | $2.70B | |
| Net income (Q4) · Q4-2025 | $8M | +36% y/y |
| Diluted earnings per share (Q4) · Q4-2025 | $1.37 | +36% y/y |
| Cost of funds · FY2025 | 1.9% |
Risks flagged
Provision for credit losses on unfunded commitments increased due to commercial construction growth
“Provision for credit losses on unfunded commitments $0.2M vs $0.1M YoY due to originated growth in commercial construction commitments” · word for word
6 Jan 20268-K · 5.02Reported the departure of a director or principal officer (CEO/CFO change); filed financial statements and exhibits with this reportopen
Risks flagged
No material risk; routine board refresh.
“Other than those fees and benefits available to all nonemployee directors” · word for word
18 Dec 20258-K · 5.02Reported the departure of a director or principal officer (CEO/CFO change); filed financial statements and exhibits with this reportopen
Risks flagged
Key credit officer departure may signal credit quality concerns or internal issues.
“Chief Credit Officer terminated; severance of $239,975”
7 Nov 202510-QFidelity D & D Bancorp reported a 35% increase in net income for the first nine months of 2025, driven by net interest income growth and improved credit quality.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q3-2025 | $20M | +35% y/y |
| Allowance for credit losses on loans · 2025-09-30 | $20M |
Guidance
Company expects moderately declining rate environment; loan pipeline expected to grow funded by excess cash; no explicit quantitative guidance provided.
Risks flagged
Tariff and trade policy risk
“Changes to trade policies and tariffs can have an adverse impact on our business and our customers.” · word for word
Interest rate risk from liability-sensitive balance sheet
“At September 30, 2025, the Company maintained a one-year cumulative gap of negative (liability sensitive) $25.0 million, or -0.9%, of total assets.” · word for word
Fidelity D & D Bancorp, Inc. — questions
- What did Fidelity D & D Bancorp, Inc. file recently?
- 15 SEC filings in the last 12 months. Latest: 8-K on 2026-10-21 — Fidelity D & D Bancorp reports record Q3 2026 net income of $8.9M ($1.53/diluted share), up 21% YoY, driven by net interest income growth and margin expansion.
Every figure on this page comes from Fidelity D & D Bancorp, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.