68.51
-0.28%
Close of 9 Nov 2026, in USD
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About Fidelity D&D Bancorp
From its filings with the US Securities and Exchange Commission
Fidelity D&D Bancorp is based in Scranton, Pennsylvania and is incorporated in Pennsylvania. Its shares trade on Nasdaq under the ticker FDBC. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported net income of $28.2m. At that date it held total assets of $2.75bn and shareholders' equity of $238.9m.
Fidelity D & D Bancorp, Inc. (the Company) was incorporated in the Commonwealth of Pennsylvania, on August 10, 1999, and is a bank holding company, whose wholly-owned state chartered commercial bank subsidiary is The Fidelity Deposit and Discount Bank (the Bank) (collectively, the Company). The Company is headquartered at Blakely and Drinker Streets in Dunmore, Pennsylvania. The Company's primary market area (service area) is comprised of the Borough of Dunmore and the surrounding communities within Lackawanna and Luzerne counties in Northeastern Pennsylvania and Northampton County in Eastern Pennsylvania.
The Bank is examined periodically by the Pennsylvania Department of Banking and Securities and the FDIC.
The banking business is highly competitive, and the success and profitability of the Company depends principally on its ability to compete in its market area. Competition includes, among other sources: local community banks; regional banks; national banks; credit unions; insurance companies; money market funds; mutual funds; small loan companies and other financial services companies. The Company has been able to compete effectively with other financial institutions by emphasizing customer service enhanced by local decision making. These efforts enable the Company to establish long-term customer relationships and build customer loyalty by providing products and services designed to address their specific needs.
Quoted from its 10-K, filed 13 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 27 Oct 1993
- Employees
- 298
- Head office
- 507 LINDEN STREET, SCRANTON, PA, 18503
- Incorporated in
- PA
- Classification
- National Commercial Banks
- Filer status
- Accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Brian CaliIndependent Chairman of the board, since 2001$156,700
- Mr. Daniel SantanielloPresident, Chief Executive Officer, Director of the Company and the Bank, since 2004$998,371
- Mr. Salvatore DefrancescoTreasurer, Chief Financial Officer; Executive Vice President and Chief Financial Officer of the Bank$586,221
- Mr. Michael PacynaExecutive Vice President, Chief Credit Officer of the Bank$420,071
- Ms. Ruth TurkingtonExecutive Vice President and Chief Consumer Banking Officer$489,794
- Mr. John CognettiIndependent Director$131,700
- Mr. William JoyceIndependent Director$131,700
- Mr. Michael McdonaldIndependent Director$151,700
- Mr. Alan SilvermanIndependent Director$131,700
- Ms. HelenBeth VilcekIndependent Director$131,700
- Mr. Paul WoelkersIndependent Director$131,700
- Mr. John PashSenior Vice President, Financial Analyst, since 2022
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 48
- Environment
- 57
- Social
- 16
- Governance
- 71
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Fidelity D&D Bancorp Inc has several key strengths that position it well in the market. Firstly, the company has a strong financial foundation, with steady revenue growth and a solid profitability track record. This stability provides a sense of security to investors and lends credibility to the company's operations. Secondly, Fidelity D&D Bancorp Inc has an extensive branch network, which allows it to reach a large customer base and provide convenient banking services. The bank's physical presence across different locations plays to its advantage, as it can effectively serve the needs of both individuals and businesses. Additionally, the company has a strong brand reputation and customer loyalty. Fidelity D&D Bancorp Inc is known for its excellent customer service and personalized approach, which has helped it build long-term relationships with its clients. This positive reputation gives the company a competitive edge in attracting and retaining customers. Lastly, Fidelity D&D Bancorp Inc benefits from a skilled and experienced management team. The executives possess in-depth knowledge of the industry, enabling them to make informed decisions and drive the company's growth strategies effectively. This expertise ensures that the company remains competitive and adaptable to market changes.
Weaknesses
- Despite its strengths, Fidelity D&D Bancorp Inc faces a few notable weaknesses. One such weakness is its limited geographic presence. While the company has a strong branch network, it operates within a specific region, which may restrict its potential for growth compared to nationwide banks. This geographic limitation could impact its ability to attract customers outside of its target market. Another weakness is the company's dependence on traditional banking methods. Fidelity D&D Bancorp Inc has been slower to adopt modern technology and digital banking solutions compared to some of its competitors. This reliance on traditional methods may hinder its ability to cater to the evolving needs and preferences of customers who prefer digital banking options. Another concern is the potential impact of economic downturns on the company's operations. Fidelity D&D Bancorp Inc, like any other bank, faces risks associated with loan defaults and declining assets during economic downturns. While the company has implemented risk management strategies, it remains exposed to changes in economic conditions that could affect its financial stability. Lastly, Fidelity D&D Bancorp Inc has limited brand recognition outside of its local markets. This could make it more challenging for the company to expand into new territories or attract a broader customer base beyond its established areas of operation.
Opportunities
- Fidelity D&D Bancorp Inc has several opportunities that it can capitalize on to further enhance its position in the market. Firstly, the company can leverage digital banking trends to expand its reach and attract tech-savvy customers. By investing in technology and offering innovative digital banking solutions, Fidelity D&D Bancorp Inc can tap into a growing customer base that prefers remote banking services. Additionally, there is an opportunity for Fidelity D&D Bancorp Inc to expand its branch network into new geographic areas. By strategically identifying untapped markets with favorable demographics, the company can extend its presence and acquire new customers. This expansion would allow the company to diversify its revenue streams and reduce the dependency on its current markets. Moreover, the company can explore strategic partnerships and collaborations to enhance its capabilities and offerings. By partnering with financial technology companies or other industry players, Fidelity D&D Bancorp Inc can leverage their expertise to improve its products and services. This collaboration can help the company stay competitive and provide additional value to its customers. Lastly, there is an opportunity for Fidelity D&D Bancorp Inc to strengthen its brand recognition through targeted marketing and branding initiatives. By creating awareness and establishing a strong brand presence outside of its local markets, the company can attract new customers and build trust with potential clients in new territories.
Threats
- Fidelity D&D Bancorp Inc must also be aware of potential threats that could impact its business and growth prospects. One significant threat is increased competition from larger national and multinational banks. These bigger players often have more resources and extensive marketing capabilities, making it challenging for Fidelity D&D Bancorp Inc to compete on a broader scale. Additionally, the evolving regulatory environment poses another threat to the company. Compliance with various banking regulations and potential changes in legislation can increase operating costs and create additional administrative burden. Fidelity D&D Bancorp Inc must stay vigilant and adapt to regulatory changes to avoid penalties and maintain its reputation as a reliable financial institution. Economic downturns and financial crises are also significant threats to the company. Fidelity D&D Bancorp Inc, being a financial institution, is susceptible to economic volatility, loan defaults, and decreasing market values. These factors can significantly impact the company's financial performance and stability, potentially leading to a decline in customer trust and investor confidence. Lastly, cybersecurity threats pose a risk to Fidelity D&D Bancorp Inc as technology advances. The company must invest in robust cybersecurity measures to protect customer and company data from potential breaches. Failure to do so could result in reputational damage and financial losses.
Sources and methodology
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