Fidelity D & D Bancorp, Inc. (FDBC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumergirse en el plan estratégico de la fidelidad D & D Bancorp, Inc. (FDBC), una potencia bancaria regional que transforma los servicios financieros tradicionales a través de un modelo de negocio meticulosamente elaborado. Al aprovechar una combinación única de conexiones comunitarias locales, infraestructura digital de vanguardia y soluciones bancarias personalizadas, FDBC se ha posicionado como una institución financiera dinámica que atiende a las necesidades matizadas de Delaware y el diverso paisaje económico de Maryland. Este lienzo de modelo de negocio integral revela los intrincados mecanismos que impulsan el éxito del banco, ofreciendo una visión interna de cómo un banco regional navega por la dinámica del mercado compleja al tiempo que mantiene un fuerte compromiso con los servicios financieros centrados en el cliente.

Fidelidad D & D Bancorp, Inc. (FDBC) - Modelo de negocio: asociaciones clave

Asociaciones comerciales locales en Delaware y Maryland

Fidelidad D & D Bancorp mantiene asociaciones estratégicas con redes comerciales locales:

Asociación	Ubicación	Estado de membresía
Asociación de banqueros de Delaware	Wilmington, DE	Miembro activo
Asociación de Banqueros de Maryland	Baltimore, MD	Miembro activo

Bancos comunitarios y redes de servicios financieros

Las asociaciones de servicio financiero colaborativo incluyen:

• Independent Community Bankers of America (ICBA)
• Banco federal de préstamos hipotecarios de Pittsburgh
• Asociaciones locales de la red de cooperativas de crédito

Socios de cumplimiento regulatorio

Socio regulador	Tipo de colaboración
Banco de la Reserva Federal de Filadelfia	Supervisión regulatoria
Firma de consultoría de cumplimiento de la FDIC	Servicios de asesoramiento regulatorio

Proveedores de servicios de tecnología

Asociaciones de tecnología clave:

• Jack Henry & Asociados - Software de banca central
• FISERV - Soluciones de procesamiento de pagos
• Microsoft Azure - Infraestructura en la nube

Empresas de seguros e inversiones

Pareja	Tipo de servicio	Duración de la asociación
Seguro nacional	Gestión de patrimonio	5+ años
Raymond James Financial	Aviso de inversión	Más de 3 años

Fidelidad D & D Bancorp, Inc. (FDBC) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, Fidelity D & D Bancorp, Inc. reportó activos totales de $ 2.47 mil millones. El banco proporciona servicios bancarios integrales en múltiples segmentos.

Categoría de servicio	Volumen total (2023)	Penetración del mercado
Préstamos comerciales	$ 789.5 millones	42% de la cartera de préstamos totales
Banca personal	$ 612.3 millones	32% de la cartera de préstamos totales

Originación y procesamiento de préstamos

La infraestructura de procesamiento de préstamos del banco maneja múltiples tipos de préstamos con métricas operativas específicas.

• Tiempo promedio de procesamiento de préstamos: 5-7 días hábiles
• Volumen de origen de préstamo anual: $ 1.2 mil millones
• Tasa de aprobación del préstamo: 68% para solicitudes comerciales

Gestión de depósitos

La gestión de depósitos representa una función operativa crítica para el banco.

Tipo de depósito	Saldo total (2023)	Índice de crecimiento
Cuentas corrientes	$ 687.6 millones	4.2% interanual
Cuentas de ahorro	$ 521.3 millones	3.7% interanual

Mantenimiento de la plataforma de banca digital

Las inversiones de infraestructura digital admiten capacidades tecnológicas continuas.

• Inversión anual de infraestructura de TI: $ 4.7 millones
• Usuarios de banca digital: 82,500
• Volumen de transacción bancaria móvil: 3.2 millones mensuales

Gestión de riesgos y monitoreo de cumplimiento

El marco integral de gestión de riesgos respalda la integridad operativa.

Área de cumplimiento	Costo de monitoreo anual	Calificación de cumplimiento
Cumplimiento regulatorio	$ 2.3 millones	Excelente (Nivel 1)
Ciberseguridad	$ 1.9 millones	Alto nivel de protección

Fidelidad D & D Bancorp, Inc. (FDBC) - Modelo de negocio: recursos clave

Red de sucursales regionales sólidas

A partir del cuarto trimestre de 2023, Fidelity D & D Bancorp opera 14 ubicaciones de banca de servicio completo en los condados de Pensilvania, específicamente en Lackawanna, Luzerne y Wayne.

Condado	Número de ramas
Condado de Lackawanna	7
Condado de Luzerne	5
Condado de Wayne	2

Equipo experimentado de gestión financiera

El equipo de liderazgo ejecutivo total consta de 5 ejecutivos senior con una tenencia bancaria promedio de 22 años.

Posición	Años de experiencia
Presidente/CEO	28 años
Director financiero	19 años
Oficial de préstamos	24 años

Infraestructura bancaria digital

Plataformas de banca digital e inversiones tecnológicas a partir de 2023:

• Descargas de aplicaciones de banca móvil: 42,500
• Usuarios bancarios en línea: 36,750
• Volumen de transacciones digitales: 1.2 millones de transacciones anuales

Sistemas de gestión de relaciones con el cliente

Métricas del sistema CRM:

• Base de datos total de clientes: 58,600 cuentas
• Clientes de banca digital activo: 33,400
• Tasa de retención de clientes: 87.3%

Reservas de capital

Métricas de estabilidad financiera para 2023:

Métrico de capital	Cantidad
Activos totales	$ 1.42 mil millones
Relación de capital de nivel 1	12.6%
Reservas de capital total	$ 178.3 millones

Fidelidad D & D Bancorp, Inc. (FDBC) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Fidelity D & D Bancorp sirve 27 lugares de banca comunitaria en Pensilvania. Los activos totales informaron en $ 2.54 mil millones con una penetración del mercado local del 68% en sus regiones de servicio primario.

Categoría de servicio	Cuota de mercado local	Segmentos de clientes
Banca personal	42%	Consumidores individuales
Banca de negocios	26%	Empresas pequeñas a medianas
Banca comercial	32%	Clientes corporativos

Tasas de interés competitivas sobre préstamos y depósitos

Tasas de interés a partir de enero de 2024:

• Cuentas de ahorro personal: 1.75% APY
• Cuentas corrientes de negocios: 2.25% APY
• Préstamos hipotecarios: tasa fija del 6.35%
• Préstamos para pequeñas empresas: a partir del 5.85%

Convenientes opciones bancarias digitales y en persona

Métricas de banca digital para 2023:

Canal digital	Usuarios activos	Volumen de transacción
Aplicación de banca móvil	78,500 usuarios	1,2 millones de transacciones mensuales
Plataforma bancaria en línea	62,300 usuarios	890,000 transacciones mensuales

Servicio al cliente receptivo

Métricas de rendimiento del servicio al cliente para 2023:

• Tiempo de respuesta promedio: 12 minutos
• Calificación de satisfacción del cliente: 4.6/5
• Canales de soporte: teléfono, correo electrónico, chat en vivo, en rama

Productos financieros a medida para pequeñas empresas

Destacados de la cartera bancaria de pequeñas empresas:

Tipo de producto	Valor total de la cartera	Tamaño promedio del préstamo
Verificación de negocios	$ 156 millones	$45,000
Líneas de crédito de negocios	$ 87 millones	$125,000
Financiación de equipos	$ 42 millones	$95,000

Fidelidad D & D Bancorp, Inc. (FDBC) - Modelo de negocios: relaciones con los clientes

Enfoque bancario basado en relaciones

A partir del cuarto trimestre de 2023, Fidelity D & D Bancorp mantiene 12 ubicaciones de ramas de servicio completo en Pensilvania. El banco atiende a aproximadamente 45,000 cuentas de clientes con una estrategia de banca de relación personalizada.

Segmento de clientes	Número de cuentas	Valor de cuenta promedio
Banca personal	32,500	$87,600
Banca de negocios	6,750	$215,300
Gestión de patrimonio	5,750	$412,500

Servicios de asesoramiento financiero personalizado

El banco ofrece consulta financiera dedicada con 24 asesores financieros certificados en su red.

• Tiempo promedio de consulta del cliente: 1.5 horas
• Sesiones anuales de revisión financiera: 2 por cliente
• Servicios de asesoramiento especializados para la planificación de la jubilación
• Gestión de la cartera de inversiones

Compromiso comunitario y apoyo local

En 2023, Fidelity D & D Bancorp invirtió $ 375,000 en programas locales de desarrollo comunitario.

Iniciativa comunitaria	Monto de la inversión	Recuento de beneficiarios
Soporte local de pequeñas empresas	$185,000	62 negocios
Becas educativas	$95,000	38 estudiantes
Infraestructura comunitaria	$95,000	4 proyectos locales

Canales de servicio al cliente digital

La penetración bancaria digital alcanzó el 68% de la base total de clientes en 2023.

• Usuarios de la aplicación de banca móvil: 29,700
• Usuarios de la plataforma bancaria en línea: 35,200
• Volumen de transacción digital promedio: 3.4 transacciones por usuario por mes

Programas de fidelización y retención de clientes a largo plazo

Tasa de retención de clientes en 2023: 87.5%

Característica del programa de fidelización	Recuento de participantes	Beneficio anual promedio
Programa de clientes preferidos	8,250	$225
Recompensas de cuenta a largo plazo	5,600	$175

Fidelidad D & D Bancorp, Inc. (FDBC) - Modelo de negocio: canales

Ubicaciones de ramas físicas

A partir de 2024, Fidelity D & D Bancorp mantiene 18 ubicaciones de ramas físicas en Pensilvania. La distribución de la rama es la siguiente:

Región	Número de ramas
Condado de Lackawanna	8
Condado de Luzerne	6
Condado de Wayne	4

Plataforma bancaria en línea

Características bancarias digitales:

• Seguimiento del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas

Aplicación de banca móvil

Estadísticas de descarga de la aplicación móvil:

Plataforma	Descargas totales
Tienda de aplicaciones de iOS	12,500
Google Play Store	9,750

Red de cajeros automáticos

Total de red de cajeros automáticos: 24 máquinas

Tipo de ubicación	Número de cajeros automáticos
Ubicaciones propiedad de un banco	18
Ubicaciones de pareja	6

Atención al cliente de teléfono y correo electrónico

Canales de contacto con el soporte al cliente:

• Horario de soporte telefónico: 8:00 a.m. a 6:00 p.m. EST
• Tiempo de respuesta de soporte por correo electrónico: promedio 24 horas
• Interacciones anuales de atención al cliente: 42,500

Fidelidad D & D Bancorp, Inc. (FDBC) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir de 2024, Fidelity D & D Bancorp sirve aproximadamente 2.300 clientes comerciales pequeños a medianos en las regiones de Delaware y Maryland.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	687	$425,000
Servicios profesionales	542	$385,000
Fabricación	416	$612,000

Clientes residenciales locales

El banco atiende a 48,750 clientes residenciales locales en Delaware y Maryland.

• Portafolio hipotecario: $ 342 millones
• Préstamo residencial promedio: $ 287,500
• Líneas de crédito de capital doméstico: $ 76.4 millones

Profesionales en las regiones de Delaware y Maryland

La base de clientes profesionales de Target incluye 3.215 clientes profesionales de sectores como la atención médica, legal y tecnología.

Sector profesional	Número de clientes	Saldo de cuenta promedio
Cuidado de la salud	1,247	$215,000
Profesionales legales	892	$276,000
Tecnología	1,076	$198,000

Clientes del sector agrícola y comercial

La cartera de préstamos agrícolas y comerciales totaliza $ 276.5 millones a partir de 2024.

• Préstamos agrícolas: $ 87.3 millones
• Préstamos inmobiliarios comerciales: $ 189.2 millones
• Total de clientes comerciales: 1.542

Clientes de gestión de jubilación y patrimonio

El segmento de gestión de patrimonio atiende a 6.750 clientes con activos totales bajo administración de $ 1.24 mil millones.

Tipo de cliente	Número de clientes	Valor de cartera promedio
Cuentas de jubilación individuales	4,215	$412,000
Planes de jubilación corporativa	872	$1,876,000
Clientes de alto patrimonio neto	1,663	$2,350,000

Fidelidad D & D Bancorp, Inc. (FDBC) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir del informe anual de 2022, Fidelity D & D Bancorp, Inc. informó que los gastos operativos totales de la sucursal de $ 12.4 millones.

Categoría de gastos	Monto ($)
Alquiler e instalaciones	3,750,000
Utilidades	1,240,000
Mantenimiento	2,100,000
Personal de apoyo a la sucursal	5,310,000

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica para 2022 totalizaron $ 5.6 millones.

• Mantenimiento de hardware de TI: $ 1,680,000
• Licencias de software: $ 2,240,000
• Sistemas de ciberseguridad: $ 1,120,000
• Infraestructura de red: $ 560,000

Salarios y beneficios de los empleados

La compensación total de los empleados para 2022 fue de $ 37.2 millones.

Categoría de compensación	Monto ($)
Salarios base	26,040,000
Bonos de rendimiento	5,580,000
Seguro médico	3,360,000
Beneficios de jubilación	2,220,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio en 2022 ascendieron a $ 4.8 millones.

• Tarifas legales y de consultoría: $ 2,160,000
• Software de cumplimiento: $ 1,440,000
• Capacitación y certificación: $ 720,000
• Auditoría e informes: $ 480,000

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2022 fue de $ 3.5 millones.

Canal de marketing	Monto ($)
Publicidad digital	1,400,000
Medios tradicionales	840,000
Patrocinios comunitarios	560,000
Programas de adquisición de clientes	700,000

Fidelidad D & D Bancorp, Inc. (FDBC) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos

A partir del informe anual de 2022, Fidelity D & D Bancorp, Inc. reportó ingresos por intereses totales de $ 34.7 millones. El desglose de los ingresos por intereses del préstamo fue el siguiente:

Categoría de préstamo	Ingresos de intereses ($)
Préstamos comerciales	15,200,000
Préstamos hipotecarios residenciales	12,500,000
Préstamos al consumo	6,900,000

Cargos de servicio y tarifas

Los cargos y tarifas de servicio generaron $ 4.2 millones en ingresos para el año fiscal 2022, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 1,600,000
• Tarifas de sobregiro: $ 1,300,000
• Tarifas de transacción de cajeros automáticos: $ 800,000
• Otras tarifas de servicio bancario: $ 500,000

Servicios de inversión y gestión de patrimonio

La división de inversión y gestión de patrimonio contribuyó con $ 3.5 millones en ingresos para 2022:

Tipo de servicio	Ingresos ($)
Servicios de asesoramiento financiero	1,800,000
Tarifas de gestión de activos	1,200,000
Servicios de planificación de jubilación	500,000

Tarifas de transacción bancaria digital

Los servicios de banca digital generaron $ 1.1 millones en tarifas de transacción durante 2022:

• Transacciones bancarias en línea: $ 600,000
• Tarifas de banca móvil: $ 350,000
• Procesamiento de pagos digitales: $ 150,000

Ingresos de préstamos hipotecarios y comerciales

Las actividades de préstamos hipotecarios y comerciales produjeron $ 5.6 millones en ingresos adicionales para 2022:

Categoría de préstamo	Ingresos ($)
Tarifas de origen de la hipoteca	2,800,000
Tarifas de préstamos comerciales	2,100,000
Tarifas de refinanciación de préstamos	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.