Treue D & D Bancorp, Inc. (FDBC): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Fidelity D & D Bancorp, Inc. (FDBC), ein regionales Bankunternehmen, das traditionelle Finanzdienstleistungen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Durch die Nutzung einer einzigartigen Mischung aus lokalen Community-Verbindungen, modernster digitaler Infrastruktur und personalisierten Banklösungen hat sich FDBC als dynamisches Finanzinstitut positioniert, das die differenzierten Bedürfnisse der vielfältigen Wirtschaftslandschaft von Delaware und Maryland bedient. Dieses umfassende Business Model Canvas deckt die komplexen Mechanismen auf, die den Erfolg der Bank vorantreiben, und bietet einen Insider-Einblick darüber, wie eine regionale Bank komplexe Marktdynamiken bewältigt und gleichzeitig ein starkes Engagement für kundenorientierte Finanzdienstleistungen beibehält.

Treue D & D Bancorp, Inc. (FDBC) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände in Delaware und Maryland

Treue D & D Bancorp unterhält strategische Partnerschaften mit lokalen Unternehmensnetzwerken:

Verein	Standort	Mitgliedschaftsstatus
Delaware Bankers Association	Wilmington, DE	Aktives Mitglied
Maryland Bankers Association	Baltimore, MD	Aktives Mitglied

Gemeinschaftsbanken und Finanzdienstleistungsnetzwerke

Zu den kooperativen Finanzdienstleistungspartnerschaften gehören:

• Unabhängige Community Bankers of America (ICBA)
• Federal Home Loan Bank of Pittsburgh
• Netzwerkpartnerschaften lokaler Kreditgenossenschaften

Partner zur Einhaltung gesetzlicher Vorschriften

Regulierungspartner	Art der Zusammenarbeit
Federal Reserve Bank von Philadelphia	Regulierungsaufsicht
FDIC-Compliance-Beratungsunternehmen	Regulierungsberatungsdienste

Technologiedienstleister

Wichtige Technologiepartnerschaften:

• Jack Henry & Associates – Kernbankensoftware
• Fiserv – Zahlungsabwicklungslösungen
• Microsoft Azure – Cloud-Infrastruktur

Versicherungs- und Investmentfirmen

Partner	Servicetyp	Dauer der Partnerschaft
Bundesweite Versicherung	Vermögensverwaltung	5+ Jahre
Raymond James Finanzen	Anlageberatung	3+ Jahre

Treue D & D Bancorp, Inc. (FDBC) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Ab dem 4. Quartal 2023 ist Fidelity D & D Bancorp, Inc. meldete ein Gesamtvermögen von 2,47 Milliarden US-Dollar. Die Bank bietet umfassende Bankdienstleistungen in mehreren Segmenten an.

Servicekategorie	Gesamtvolumen (2023)	Marktdurchdringung
Gewerbliche Kredite	789,5 Millionen US-Dollar	42 % des gesamten Kreditportfolios
Persönliches Banking	612,3 Millionen US-Dollar	32 % des gesamten Kreditportfolios

Kreditvergabe und -abwicklung

Die Kreditverarbeitungsinfrastruktur der Bank verwaltet mehrere Kreditarten mit spezifischen Betriebskennzahlen.

• Durchschnittliche Kreditbearbeitungszeit: 5-7 Werktage
• Jährliches Kreditvergabevolumen: 1,2 Milliarden US-Dollar
• Kreditbewilligungsquote: 68 % bei gewerblichen Anträgen

Einlagenverwaltung

Die Einlagenverwaltung stellt für die Bank eine entscheidende operative Funktion dar.

Einzahlungsart	Gesamtsaldo (2023)	Wachstumsrate
Girokonten	687,6 Millionen US-Dollar	4,2 % im Jahresvergleich
Sparkonten	521,3 Millionen US-Dollar	3,7 % im Jahresvergleich

Wartung der digitalen Banking-Plattform

Investitionen in die digitale Infrastruktur unterstützen die fortlaufende technologische Leistungsfähigkeit.

• Jährliche Investitionen in die IT-Infrastruktur: 4,7 Millionen US-Dollar
• Digital-Banking-Nutzer: 82.500
• Transaktionsvolumen im Mobile Banking: 3,2 Millionen monatlich

Risikomanagement und Compliance-Überwachung

Ein umfassendes Risikomanagement-Framework unterstützt die betriebliche Integrität.

Compliance-Bereich	Jährliche Überwachungskosten	Compliance-Bewertung
Einhaltung gesetzlicher Vorschriften	2,3 Millionen US-Dollar	Ausgezeichnet (Stufe 1)
Cybersicherheit	1,9 Millionen US-Dollar	Hohes Schutzniveau

Treue D & D Bancorp, Inc. (FDBC) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Filialnetz

Ab dem 4. Quartal 2023 ist Fidelity D & D Bancorp betreibt 14 Full-Service-Banking-Standorte in ganz Pennsylvania, insbesondere in den Counties Lackawanna, Luzerne und Wayne.

Landkreis	Anzahl der Filialen
Lackawanna County	7
Kreis Luzern	5
Wayne County	2

Erfahrenes Finanzmanagement-Team

Das gesamte Führungsteam besteht aus 5 leitenden Führungskräften mit einer durchschnittlichen Bankzugehörigkeit von 22 Jahren.

Position	Jahrelange Erfahrung
Präsident/CEO	28 Jahre
Finanzvorstand	19 Jahre
Chief Lending Officer	24 Jahre

Digitale Banking-Infrastruktur

Digitale Bankplattformen und Technologieinvestitionen ab 2023:

• Downloads von Mobile-Banking-Apps: 42.500
• Online-Banking-Nutzer: 36.750
• Digitales Transaktionsvolumen: 1,2 Millionen jährliche Transaktionen

Kundenbeziehungsmanagementsysteme

CRM-Systemmetriken:

• Gesamte Kundendatenbank: 58.600 Konten
• Aktive Digital-Banking-Kunden: 33.400
• Kundenbindungsrate: 87,3 %

Kapitalreserven

Finanzstabilitätskennzahlen für 2023:

Kapitalmetrik	Betrag
Gesamtvermögen	1,42 Milliarden US-Dollar
Kernkapitalquote	12.6%
Gesamtkapitalreserven	178,3 Millionen US-Dollar

Treue D & D Bancorp, Inc. (FDBC) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Ab dem 4. Quartal 2023 ist Fidelity D & D Bancorp bedient 27 Community-Banking-Standorte in ganz Pennsylvania. Die Gesamtaktiva belaufen sich auf 2,54 Milliarden US-Dollar bei einer lokalen Marktdurchdringung von 68 % in den Hauptversorgungsregionen.

Servicekategorie	Lokaler Marktanteil	Kundensegmente
Persönliches Banking	42%	Einzelne Verbraucher
Geschäftsbanking	26%	Kleine bis mittlere Unternehmen
Kommerzielles Banking	32%	Firmenkunden

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Zinssätze ab Januar 2024:

• Persönliche Sparkonten: 1,75 % effektiver Jahreszins
• Geschäftsgirokonten: 2,25 % effektiver Jahreszins
• Hypothekendarlehen: 6,35 % fester Zinssatz
• Kleinunternehmenskredite: Ab 5,85 %

Bequeme digitale und persönliche Banking-Optionen

Digital-Banking-Kennzahlen für 2023:

Digitaler Kanal	Aktive Benutzer	Transaktionsvolumen
Mobile-Banking-App	78.500 Benutzer	1,2 Millionen monatliche Transaktionen
Online-Banking-Plattform	62.300 Benutzer	890.000 monatliche Transaktionen

Reaktionsschneller Kundenservice

Kennzahlen zur Kundendienstleistung für 2023:

• Durchschnittliche Antwortzeit: 12 Minuten
• Kundenzufriedenheitsbewertung: 4,6/5
• Supportkanäle: Telefon, E-Mail, Live-Chat, in der Filiale

Maßgeschneiderte Finanzprodukte für kleine Unternehmen

Highlights des Small Business Banking-Portfolios:

Produkttyp	Gesamtwert des Portfolios	Durchschnittliche Kredithöhe
Geschäftsprüfung	156 Millionen Dollar	$45,000
Geschäftskreditlinien	87 Millionen Dollar	$125,000
Ausrüstungsfinanzierung	42 Millionen Dollar	$95,000

Treue D & D Bancorp, Inc. (FDBC) – Geschäftsmodell: Kundenbeziehungen

Beziehungsbasierter Banking-Ansatz

Ab dem 4. Quartal 2023 ist Fidelity D & D Bancorp unterhält 12 Full-Service-Filialen in ganz Pennsylvania. Die Bank betreut rund 45.000 Kundenkonten mit einer personalisierten Relationship-Banking-Strategie.

Kundensegment	Anzahl der Konten	Durchschnittlicher Kontowert
Persönliches Banking	32,500	$87,600
Geschäftsbanking	6,750	$215,300
Vermögensverwaltung	5,750	$412,500

Personalisierte Finanzberatungsdienste

Die Bank bietet engagierte Finanzberatung mit 24 zertifizierten Finanzberatern in seinem gesamten Netzwerk.

• Durchschnittliche Kundenberatungszeit: 1,5 Stunden
• Jährliche Finanzüberprüfungssitzungen: 2 pro Kunde
• Spezialisierte Beratungsleistungen für die Altersvorsorge
• Verwaltung des Anlageportfolios

Community-Engagement und lokale Unterstützung

Im Jahr 2023 wird Fidelity D & D Bancorp investierte 375.000 US-Dollar in lokale Gemeindeentwicklungsprogramme.

Gemeinschaftsinitiative	Investitionsbetrag	Anzahl der Begünstigten
Unterstützung für lokale Kleinunternehmen	$185,000	62 Unternehmen
Bildungsstipendien	$95,000	38 Studierende
Gemeinschaftsinfrastruktur	$95,000	4 lokale Projekte

Digitale Kundenservicekanäle

Die Durchdringung des digitalen Bankings erreichte im Jahr 2023 68 % des gesamten Kundenstamms.

• Nutzer der Mobile-Banking-App: 29.700
• Nutzer der Online-Banking-Plattform: 35.200
• Durchschnittliches digitales Transaktionsvolumen: 3,4 Transaktionen pro Benutzer und Monat

Treueprogramme und langfristige Kundenbindung

Kundenbindungsrate im Jahr 2023: 87,5 %

Funktion des Treueprogramms	Anzahl der Teilnehmer	Durchschnittlicher jährlicher Nutzen
Vorzugskundenprogramm	8,250	$225
Langfristige Kontoprämien	5,600	$175

Treue D & D Bancorp, Inc. (FDBC) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Ab 2024 ist Fidelity D & D Bancorp unterhält 18 physische Filialen in ganz Pennsylvania. Die Filialverteilung ist wie folgt:

Region	Anzahl der Filialen
Lackawanna County	8
Kreis Luzern	6
Wayne County	4

Online-Banking-Plattform

Funktionen des digitalen Bankings:

• Kontostandverfolgung
• Geldtransfers
• Rechnungszahlungsdienste
• E-Kontoauszüge

Mobile-Banking-Anwendung

Download-Statistiken für mobile Apps:

Plattform	Gesamtzahl der Downloads
iOS App Store	12,500
Google Play Store	9,750

ATM-Netzwerk

Gesamtes Geldautomatennetz: 24 Automaten

Standorttyp	Anzahl Geldautomaten
Bankeigene Standorte	18
Partnerstandorte	6

Telefon- und E-Mail-Kundensupport

Kontaktkanäle des Kundensupports:

• Telefonische Supportzeiten: 8:00 – 18:00 Uhr EST
• Antwortzeit des E-Mail-Supports: Durchschnittlich 24 Stunden
• Jährliche Interaktionen mit dem Kundensupport: 42.500

Treue D & D Bancorp, Inc. (FDBC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Ab 2024 ist Fidelity D & D Bancorp betreut rund 2.300 kleine und mittlere Geschäftskunden in den Regionen Delaware und Maryland.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	687	$425,000
Professionelle Dienstleistungen	542	$385,000
Herstellung	416	$612,000

Lokale Privatkunden

Die Bank betreut 48.750 lokale Privatkunden in Delaware und Maryland.

• Hypothekenportfolio: 342 Millionen US-Dollar
• Durchschnittlicher Wohnkredit: 287.500 $
• Home-Equity-Kreditlinien: 76,4 Millionen US-Dollar

Fachleute in den Regionen Delaware und Maryland

Der professionelle Kundenstamm umfasst 3.215 professionelle Kunden aus Branchen wie Gesundheitswesen, Recht und Technologie.

Professioneller Sektor	Anzahl der Kunden	Durchschnittlicher Kontostand
Gesundheitswesen	1,247	$215,000
Juristen	892	$276,000
Technologie	1,076	$198,000

Kunden aus der Landwirtschaft und dem Gewerbesektor

Das Portfolio an Agrar- und Gewerbekrediten beläuft sich im Jahr 2024 auf insgesamt 276,5 Millionen US-Dollar.

• Agrarkredite: 87,3 Millionen US-Dollar
• Gewerbliche Immobilienkredite: 189,2 Millionen US-Dollar
• Gesamtzahl gewerblicher Kunden: 1.542

Kunden aus den Bereichen Altersvorsorge und Vermögensverwaltung

Das Segment Vermögensverwaltung betreut 6.750 Kunden mit einem verwalteten Gesamtvermögen von 1,24 Milliarden US-Dollar.

Kundentyp	Anzahl der Kunden	Durchschnittlicher Portfoliowert
Individuelle Altersvorsorgekonten	4,215	$412,000
betriebliche Altersvorsorge	872	$1,876,000
Vermögende Kunden	1,663	$2,350,000

Treue D & D Bancorp, Inc. (FDBC) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Ab dem Jahresbericht 2022 hat Fidelity D & D Bancorp, Inc. meldete Gesamtbetriebskosten für die Filiale in Höhe von 12,4 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Miete und Ausstattung	3,750,000
Dienstprogramme	1,240,000
Wartung	2,100,000
Mitarbeiter der Filialunterstützung	5,310,000

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2022 auf insgesamt 5,6 Millionen US-Dollar.

• IT-Hardwarewartung: 1.680.000 $
• Softwarelizenzierung: 2.240.000 US-Dollar
• Cybersicherheitssysteme: 1.120.000 US-Dollar
• Netzwerkinfrastruktur: 560.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2022 auf 37,2 Millionen US-Dollar.

Vergütungskategorie	Betrag ($)
Grundgehälter	26,040,000
Leistungsprämien	5,580,000
Krankenversicherung	3,360,000
Altersvorsorgeleistungen	2,220,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Ausgaben für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2022 auf 4,8 Millionen US-Dollar.

• Rechts- und Beratungskosten: 2.160.000 USD
• Compliance-Software: 1.440.000 US-Dollar
• Schulung und Zertifizierung: 720.000 US-Dollar
• Prüfung und Berichterstattung: 480.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2022 beliefen sich auf 3,5 Millionen US-Dollar.

Marketingkanal	Betrag ($)
Digitale Werbung	1,400,000
Traditionelle Medien	840,000
Gemeinschaftspatenschaften	560,000
Kundengewinnungsprogramme	700,000

Treue D & D Bancorp, Inc. (FDBC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Ab dem Jahresbericht 2022 hat Fidelity D & D Bancorp, Inc. meldete einen Gesamtzinsertrag von 34,7 Millionen US-Dollar. Die Darlehenszinserträge setzten sich wie folgt zusammen:

Kreditkategorie	Zinserträge ($)
Gewerbliche Kredite	15,200,000
Hypothekendarlehen für Wohnimmobilien	12,500,000
Verbraucherkredite	6,900,000

Servicegebühren und Gebühren

Servicegebühren und Gebühren generierten im Geschäftsjahr 2022 einen Umsatz von 4,2 Millionen US-Dollar mit folgender Verteilung:

• Kontoführungsgebühren: 1.600.000 $
• Überziehungsgebühren: 1.300.000 $
• Gebühren für Geldautomatentransaktionen: 800.000 US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 500.000 US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Die Investment- und Vermögensverwaltungsabteilung trug im Jahr 2022 3,5 Millionen US-Dollar zum Umsatz bei:

Servicetyp	Umsatz ($)
Finanzberatungsdienste	1,800,000
Vermögensverwaltungsgebühren	1,200,000
Ruhestandsplanungsdienste	500,000

Gebühren für digitale Banktransaktionen

Digitale Bankdienstleistungen generierten im Jahr 2022 Transaktionsgebühren in Höhe von 1,1 Millionen US-Dollar:

• Online-Banking-Transaktionen: 600.000 $
• Mobile-Banking-Gebühren: 350.000 $
• Digitale Zahlungsabwicklung: 150.000 US-Dollar

Einnahmen aus Hypotheken- und Gewerbekrediten

Hypotheken- und Gewerbekreditaktivitäten führten im Jahr 2022 zu zusätzlichen Einnahmen in Höhe von 5,6 Millionen US-Dollar:

Kreditkategorie	Umsatz ($)
Gebühren für die Vergabe von Hypotheken	2,800,000
Gebühren für gewerbliche Kredite	2,100,000
Gebühren für die Kreditrefinanzierung	700,000

Fidelity D & D Bancorp, Inc. (FDBC) - Canvas Business Model: Value Propositions

Personalized, relationship-driven banking and credit solutions.

Fidelity D & D Bancorp, Inc. has built a strong history as trusted financial advisor to the clients served by The Fidelity Deposit and Discount Bank. The bank emphasizes personal relationships and customized banking solutions. The Q1 2025 results reflected strong net income primarily driven by accelerated loan and deposit growth and improvement in net interest margin. You see this commitment in their dividend action, too; they announced an increase of 7.5% for the Fourth Quarter 2025 dividend, marking eleven consecutive years of raising dividends.

Full suite of consumer, commercial, and wealth management products.

Fidelity D & D Bancorp, Inc. offers an array of services to meet client needs. The lending portfolio includes specific products for businesses and consumers. The bank also provides full-service Trust & Investment Departments and a Mortgage Center. The product mix supports the relationship focus, as seen in the revenue breakdown.

• Deposit products include traditional checking and savings accounts, money market accounts, and certificates of deposit.
• Loan products include commercial real estate loans and residential mortgage loans.
• Specialized cash management solutions are available for businesses.
• Wealth management fees contributed $0.2 million to non-interest income in Q1 2025.
• Checking deposits remained more than half of total deposits as of March 31, 2025.

Local decision-making and commitment to Northeastern Pennsylvania's sustainability.

Fidelity Bank operates offices throughout Lackawanna, Luzerne, and Northampton Counties, along with the Fidelity Bank Wealth Management Minersville Office in Schuylkill County. The institution is dedicated to contributing positively to the sustainability of Northeastern Pennsylvania. A full-service Client Care Center supports those clients who prefer to transact business via telephone, chat or online, extending the local relationship model virtually.

Financial stability with low non-performing assets of 0.23% (Q1 2025).

The bank maintains a conservative regional banking strategy, which is reflected in its credit quality metrics as of the first quarter of 2025. The overall asset base was $2.7 billion as of March 31, 2025. The commitment to credit quality supports the earnings power, with Q3 2025 net income reaching $7.3 million, or $1.27 per diluted share.

Metric	Value as of March 31, 2025 (Q1 2025)	Comparison Point
Total Non-Performing Assets to Total Assets	0.23%	Improved from 0.30% at December 31, 2024
Past Due and Non-Accrual Loans to Total Loans	0.66%	Improved from 0.71% at December 31, 2024
Net Charge-offs to Average Total Loans	0.02%	Low compared to 0.03% at December 31, 2024
Total Assets	$2.7 billion	Increase of $126.7 million from December 31, 2024

Fidelity D & D Bancorp, Inc. (FDBC) - Canvas Business Model: Customer Relationships

Fidelity D & D Bancorp, Inc. explicitly bases its growth on a long-term targeted relationship strategy. This focus is cited as the driver behind deposit growth, which included an increase of $21.7 million in non-interest-bearing checking accounts for the first quarter of 2025. As of March 31, 2025, checking deposit balances still represented more than half of total deposits.

The bank prides itself on offering personalized financial guidance and advisory services, which is a core component of its mission to serve as a trusted financial partner. This high-touch approach is supported by a physical and virtual infrastructure designed to maintain close client contact. The company has 289 employees.

High-touch service is delivered through its physical footprint and dedicated support centers. Fidelity D & D Bancorp, Inc. operates through The Fidelity Deposit and Discount Bank, which serves individuals, families, and businesses across its core markets.

The physical and virtual service points as of mid-2025 include:

Service Channel	Count/Detail	Service Area/Focus
Full-Service Community Banking Offices	21 (as of May 2025)	Lackawanna, Luzerne, Northampton, and Lehigh Counties
Wealth Management Offices	At least one (Minersville Office)	Schuylkill County
Client Care Center (Virtual Branch)	Full-service, 24-hour, 7 day a week	Accepts and assists clients via telephone, chat, or online
Client Care Center Phone Number	1-800-388-4380	Direct support line

The commitment to the community, which underpins these relationships, is also quantified by non-financial metrics. For instance, the bank reported providing over 5,960 hours of volunteer time.

The focus on relationship quality is reflected in asset quality metrics. As of the end of the third quarter of 2025, non-performing assets were reduced to $3.0 million, representing only 0.11% of total assets.

The service model emphasizes accessibility across multiple channels:

• Dedicated bankers supporting loan and deposit growth.
• Full-service Trust & Investment Departments available.
• Mortgage Center operations.
• Digital services via Online Banking and the Mobile Banking app.

Fidelity D & D Bancorp, Inc. (FDBC) - Canvas Business Model: Channels

You're looking at how Fidelity D & D Bancorp, Inc. gets its services to the people who need them, which is a mix of old-school presence and modern convenience. As of late 2025, the physical footprint remains a cornerstone of their community-focused approach.

The core physical channel involves 21 full-service community banking offices. These branches are strategically located across the core counties Fidelity D & D Bancorp, Inc. serves, specifically Lackawanna, Luzerne, Northampton, and Lehigh Counties. This physical network supports the relationship-driven underwriting they emphasize. To be fair, this physical presence is balanced by specialized, dedicated locations, like the Fidelity Bank Wealth Management Minersville Office in Schuylkill County.

Digital channels are definitely where the day-to-day transactional volume flows. Fidelity D & D Bancorp, Inc. offers a complete digital experience through its Online Banking platform and the Fidelity Mobile Banking app. You can use these tools for standard account management, plus the convenience of remote deposits. This digital layer supports the overall business, which, as of September 30, 2025, managed total assets of $2.7 billion.

The virtual branch concept is solidified by the Client Care Center. This is a full-service operation, running 24-hour, 7 day a week, to assist clients who prefer transacting or opening accounts via telephone or chat. You can reach them at 1-800-388-4380.

Specialized services are funneled through dedicated centers to ensure expert advice. You find a dedicated Mortgage Center for lending needs and separate Wealth Management offices, which include Trust & Investment Departments, for more complex financial planning.

Here's a quick snapshot of the channel distribution as reported through mid-2025:

Channel Type	Specific Offering/Location	Count/Detail
Physical Branch Network	Full-Service Community Banking Offices	21 Offices
Physical Specialty Office	Wealth Management Office	Minersville Office in Schuylkill County
Digital Platform	Online Banking & Mobile App	Supports digital account opening and remote deposits
Virtual Branch	Client Care Center	24/7 service via phone/chat
Specialized Service Center	Mortgage Center	Dedicated service point

The way clients interact with Fidelity D & D Bancorp, Inc. shows a clear segmentation of service level:

• For routine transactions: Digital channels and the 24/7 Client Care Center.
• For local relationship building: The 21 physical community banking offices.
• For complex needs: Specialized Mortgage Center and Wealth Management offices.

The operational efficiency suggested by the Q3 2025 net profit margin of 27.9% is partly supported by managing these diverse access points effectively.

Fidelity D & D Bancorp, Inc. (FDBC) - Canvas Business Model: Customer Segments

You're looking at the core groups Fidelity D & D Bancorp, Inc. serves across its operational footprint in Northeastern and Eastern Pennsylvania. The bank's strategy hinges on deep local relationships, which you can see reflected in its market penetration within its core counties.

Consumers and individuals in Lackawanna, Luzerne, and Northampton Counties

This segment represents the bedrock of the deposit base. Fidelity D & D Bancorp, Inc. maintains a physical presence designed to capture local consumer banking needs. As of June 30, 2025, the bank operated 21 full-service community banking offices across Lackawanna, Luzerne, Lehigh, and Northampton Counties, plus a dedicated Wealth Management office in Schuylkill County. For context on their local strength, as of June 30, 2024, they held a 15.70% deposit market share in Lackawanna County, ranking 2nd in that market. Still, their presence in Luzerne County was 6.14% (ranking 8th), and in Northampton County, it was 7.12% (ranking 6th). The Consumer segment also includes home equity installment loans and lines of credit.

The bank supports these individuals with traditional banking services, including checking and savings accounts, and digital access via the Fidelity Mobile Banking app.

Small to mid-sized commercial businesses

Serving the local business community is a major focus, broken down into the Commercial and Industrial segment and the Commercial Real Estate segment. This group relies on the bank for lending and treasury management. To give you a sense of their lending activity, Fidelity D & D Bancorp, Inc. originated $560.6 million in total loans and lines of credit during the 2024 fiscal year. By September 30, 2025, the total loans and leases portfolio had grown by $113.5 million since the end of 2024, showing continued focus on this asset class. The bank's total assets stood at $2.7 billion as of September 30, 2025, providing the capital base for these commercial relationships.

The bank's operational segments directly serving this group include:

• Commercial and Industrial lending.
• Commercial Real Estate financing.
• Business account management.

High-net-worth individuals and families (Wealth Management clients)

This group requires more sophisticated services than standard retail banking. Fidelity D & D Bancorp, Inc. caters to them through its Wealth Management division, which integrates investment strategies, estate planning, and trust services. The bank has a personal and corporate trust department. Trust fees contributed to the non-interest income, which for the third quarter of 2025 was $5.1 million.

The services offered to this segment are comprehensive:

• Full-service Trust & Investment Departments.
• Investment management and brokerage services.
• Estate planning and tax-efficient financial strategies.

Residential real estate borrowers

This segment is served through the Mortgage Center and the Residential Real Estate lending segment. This lending operates as a secured first lien position on the borrower's residential property. The overall loan and lease portfolio growth, which was $113.5 million as of September 30, 2025, reflects activity across all lending categories, including residential mortgages. The bank's commitment to this area is supported by its overall asset quality, with non-performing assets reduced to 0.13% of total assets as of the second quarter of 2025.

Here's a quick look at the scale and operational context for these customer segments as of mid-to-late 2025:

Metric	Value as of Latest 2025 Data	Reference Date/Period
Total Assets	$2.7 billion	September 30, 2025
Net Income (YTD)	$20.3 million	Nine Months Ended September 30, 2025
Total Offices	21 full-service offices	June 30, 2025
Loan Portfolio Growth	$113.5 million increase	September 30, 2025 (vs. Dec 31, 2024)
Non-Performing Assets Ratio	0.13% of total assets	Q2 2025

The bank's focus on relationship-based strategies is designed to secure sticky deposits and high-quality loans from these defined groups. Finance: draft 13-week cash view by Friday.

Fidelity D & D Bancorp, Inc. (FDBC) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive the operations for Fidelity D & D Bancorp, Inc. as of late 2025. For a regional bank like Fidelity D & D Bancorp, Inc., the cost of funding its business and paying its people are the major levers.

Interest expense on deposits and other interest-bearing liabilities represents a significant portion of the overall cost base. For the nine months ended September 30, 2025, the total interest expense saw an increase of $1.9 million compared to the prior year period. This was largely driven by a $3.4 million rise in interest expense paid on deposits, reflecting a larger average balance of interest-bearing deposits, which was partially offset by a $1.4 million decrease in interest expense on borrowings. To put a finer point on the cost of funding, the overall cost of interest-bearing liabilities settled at 2.52% for those nine months in 2025. That's the cost of the money Fidelity D & D Bancorp, Inc. uses to lend out.

The costs associated with the team are substantial, especially given the relationship-focused model. Significant personnel costs for branch and advisory staff are reflected in the non-interest expense figures. For instance, salaries and benefits expense increased by $0.6 million for the third quarter of 2025 alone, primarily attributed to higher banker incentives. Fidelity D & D Bancorp, Inc. maintains a physical footprint to support these personnel and client relationships.

The operating costs for maintaining 21 physical branch locations are a fixed component of the cost structure. Fidelity D & D Bancorp, Inc. serves its core markets through 21 full-service community banking offices, plus a Wealth Management office in Schuylkill County. These premises are a necessary cost to deliver the in-person service that underpins the community bank model. Premises and equipment expense specifically contributed to the overall non-interest expense growth, rising by $0.2 million in the third quarter of 2025 compared to the same quarter in 2024.

Overall, non-interest expense, which captures many of these operating costs, increased by $2.8 million, or 7%, for the nine months ended September 30, 2025, reaching $43.9 million. For just the third quarter of 2025, non-interest expenses totaled $14.6 million. Here's the quick math on the major components of the nine-month non-interest expense change:

Expense Category Component (9 Months 2025 vs 9 Months 2024)	Change Amount (USD)	Period Reported
Total Non-Interest Expenses	Increase of $2.8 million	9 Months Ended Sep 30, 2025
Salaries and Benefits Expense (Q3 Driver)	Increase of $0.6 million	Q3 2025
Premises and Equipment Expense (Q3 Driver)	Increase of $0.2 million	Q3 2025

You can see the cost structure is heavily influenced by both the cost of money and the cost of the people delivering the service. The key cost drivers that management is watching include:

• Interest expense paid on deposits, which rose by $3.4 million year-to-date September 30, 2025.
• Salaries and benefits expense, driven by banker incentives.
• The fixed overhead associated with maintaining the 21 community banking offices.
• The overall non-interest expense base, which hit $43.9 million for the nine months ended September 30, 2025.

If onboarding takes 14+ days, churn risk rises, but for Fidelity D & D Bancorp, Inc., keeping the branch staff effective is definitely a top cost priority.

Finance: draft 13-week cash view by Friday.

Fidelity D & D Bancorp, Inc. (FDBC) - Canvas Business Model: Revenue Streams

You're looking at how Fidelity D & D Bancorp, Inc. brings in the money, which for a regional bank like this, really boils down to the spread between what they earn on assets and what they pay on liabilities, plus the fees they charge for services. Honestly, the core engine is the Net Interest Income.

For the third quarter of 2025, the Net Interest Income from loans and investment securities totaled $18.4 million. This was a strong showing, representing a 19% increase over the same period in the prior year. The growth here was driven by a $3.4 million rise in interest income, largely due to a $196.9 million increase in the average balance of interest-earning assets.

Next up is Non-Interest Income from fees, which reached $5.1 million for the third quarter of 2025. This figure was up slightly, about 3%, compared to the third quarter of 2024. It's important to see where that $5.1 million came from, as it shows the breadth of their fee-based services.

Here's a quick look at the primary revenue drivers for Fidelity D & D Bancorp, Inc. for the third quarter ended September 30, 2025:

Revenue Component	Q3 2025 Amount (USD)	Year-Over-Year Change Note
Net Interest Income	$18.43 million	19% increase over Q3 2024 ($15.43 million)
Non-Interest Income	$5.1 million	Increase primarily due to trust and interchange fees
Nine Months Net Interest Income	$53.39 million	Compared to $45.49 million a year ago

The Non-Interest Income stream is made up of several distinct fee categories that support the core lending business. You'll want to track these components closely:

• Wealth management and trust fees, which saw an increase in the quarter.
• Interchange fees, also contributing positively to the quarter's non-interest income.
• Loan service charges, which were noted as being lower in the quarter.
• Gains on sold loans, which also saw a decrease.

So, while the interest income from the loan portfolio is the biggest piece, the $5.1 million in fee income shows the value derived from their full-service offering, including trust and interchange activities. If onboarding takes 14+ days, churn risk rises, which impacts the stability of those recurring fee streams.