Fidélité d & D Bancorp, Inc. (FDBC): Business Model Canvas [Jan-2025 Mise à jour]

Plongez dans le plan stratégique de Fidelity D & D Bancorp, Inc. (FDBC), une centrale bancaire régionale qui transforme les services financiers traditionnels grâce à un modèle commercial méticuleusement conçu. En tirant parti d'un mélange unique de connexions communautaires locales, d'infrastructures numériques de pointe et de solutions bancaires personnalisées, FDBC s'est positionné comme une institution financière dynamique fonctionnant les besoins nuancés du Delaware et du paysage économique diversifié du Maryland. Cette toile complète du modèle commercial révèle les mécanismes complexes qui stimulent le succès de la banque, offrant une vision d'un initié sur la façon dont une banque régionale navigue sur la dynamique du marché complexe tout en maintenant un engagement fort envers les services financiers centrés sur le client.

Fidélité d & D Bancorp, Inc. (FDBC) - Modèle d'entreprise: partenariats clés

Associations d'entreprises locales au Delaware et au Maryland

Fidélité d & D Bancorp maintient des partenariats stratégiques avec les réseaux commerciaux locaux:

Association	Emplacement	Statut d'adhésion
Association des banquiers du Delaware	Wilmington, DE	Membre actif
Association des banquiers du Maryland	Baltimore, MD	Membre actif

Banques communautaires et réseaux de services financiers

Les partenariats collaboratifs de services financiers comprennent:

• Bankers communautaires indépendants d'Amérique (ICBA)
• Banque fédérale de prêts immobiliers de Pittsburgh
• Partenariats locaux du réseau de coopératives de crédit

Partenaires de conformité réglementaire

Partenaire réglementaire	Type de collaboration
Banque fédérale de la Réserve de Philadelphie	Surveillance réglementaire
Centre de conseil en conformité FDIC	Services de conseil réglementaire

Fournisseurs de services technologiques

Partenariats technologiques clés:

• Jack Henry & Associés - Core Banking Software
• Fiserv - Solutions de traitement des paiements
• Microsoft Azure - Infrastructure cloud

Sociétés d'assurance et d'investissement

Partenaire	Type de service	Durée du partenariat
Assurance à l'échelle nationale	Gestion de la richesse	Plus de 5 ans
Raymond James Financial	Avis d'investissement	3 ans et plus

Fidélité d & D Bancorp, Inc. (FDBC) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et personnels

Depuis le Q4 2023, Fidelity D & D Bancorp, Inc. a déclaré un actif total de 2,47 milliards de dollars. La banque fournit des services bancaires complets sur plusieurs segments.

Catégorie de service	Volume total (2023)	Pénétration du marché
Prêts commerciaux	789,5 millions de dollars	42% du portefeuille total des prêts
Banque personnelle	612,3 millions de dollars	32% du portefeuille de prêts totaux

Origination et traitement du prêt

L'infrastructure de traitement des prêts de la banque gère plusieurs types de prêts avec des mesures opérationnelles spécifiques.

• Temps de traitement des prêts moyens: 5-7 jours ouvrables
• Volume annuel sur l'origine du prêt: 1,2 milliard de dollars
• Taux d'approbation du prêt: 68% pour les demandes commerciales

Gestion des dépôts

La gestion des dépôts représente une fonction opérationnelle critique pour la banque.

Type de dépôt	Solde total (2023)	Taux de croissance
Comptes chèques	687,6 millions de dollars	4,2% en glissement annuel
Comptes d'épargne	521,3 millions de dollars	3,7% en glissement annuel

Maintenance de la plate-forme bancaire numérique

Les investissements à l'infrastructure numérique soutiennent les capacités technologiques continues.

• Investissement annuel d'infrastructure informatique: 4,7 millions de dollars
• Utilisateurs bancaires numériques: 82 500
• Volume de transaction bancaire mobile: 3,2 millions par mois

Gestion des risques et surveillance de la conformité

Le cadre complet de gestion des risques soutient l'intégrité opérationnelle.

Zone de conformité	Coût de surveillance annuel	Note de conformité
Conformité réglementaire	2,3 millions de dollars	Excellent (niveau 1)
Cybersécurité	1,9 million de dollars	Niveau de protection élevé

Fidélité d & D Bancorp, Inc. (FDBC) - Modèle commercial: Ressources clés

Réseau de succursale régional solide

Depuis le Q4 2023, Fidelity D & D Bancorp exploite 14 emplacements bancaires à service complet à travers la Pennsylvanie, en particulier dans les comtés de Lackawanna, Luzerne et Wayne.

Comté	Nombre de branches
Comté de Lackawanna	7
Comté de Luzerne	5
Comté de Wayne	2

Équipe de gestion financière expérimentée

L'équipe totale de direction des cadres est composée de 5 cadres supérieurs avec un mandat bancaire moyen de 22 ans.

Position	Années d'expérience
Président / chef de la direction	28 ans
Directeur financier	19 ans
Directeur des prêts	24 ans

Infrastructure bancaire numérique

Plateformes bancaires numériques et investissements technologiques en 2023:

• Téléchargements d'applications bancaires mobiles: 42 500
• Utilisateurs bancaires en ligne: 36,750
• Volume des transactions numériques: 1,2 million de transactions annuelles

Systèmes de gestion de la relation client

Métriques du système CRM:

• Base de données client totale: 58 600 comptes
• Clients bancaires numériques actifs: 33 400
• Taux de rétention de la clientèle: 87,3%

Réserves de capitaux

Mesures de stabilité financière pour 2023:

Métrique capitale	Montant
Actif total	1,42 milliard de dollars
Ratio de capital de niveau 1	12.6%
Total des réserves de capital	178,3 millions de dollars

Fidélité d & D Bancorp, Inc. (FDBC) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Depuis le Q4 2023, Fidelity D & D Bancorp dessert 27 emplacements bancaires communautaires à travers la Pennsylvanie. Le total des actifs déclarés à 2,54 milliards de dollars avec une pénétration du marché local de 68% dans leurs régions de service primaires.

Catégorie de service	Part de marché local	Segments de clientèle
Banque personnelle	42%	Consommateurs individuels
Banque d'affaires	26%	Petites à moyennes entreprises
Banque commerciale	32%	Clients des entreprises

Taux d'intérêt concurrentiels sur les prêts et les dépôts

Taux d'intérêt en janvier 2024:

• Comptes d'épargne personnels: 1,75% apy
• Comptes de chèques commerciaux: 2,25% apy
• Prêts hypothécaires: 6,35% de taux fixe
• Prêts aux petites entreprises: à partir de 5,85%

Options bancaires numériques et en personne pratique

Métriques bancaires numériques pour 2023:

Canal numérique	Utilisateurs actifs	Volume de transaction
Application bancaire mobile	78 500 utilisateurs	1,2 million de transactions mensuelles
Plateforme bancaire en ligne	62 300 utilisateurs	890 000 transactions mensuelles

Service client réactif

Métriques de performance du service client pour 2023:

• Temps de réponse moyen: 12 minutes
• Évaluation de satisfaction du client: 4.6 / 5
• Channeaux de support: téléphone, e-mail, chat en direct, branche

Produits financiers sur mesure pour les petites entreprises

Portfolio bancaire des petites entreprises:

Type de produit	Valeur totale du portefeuille	Taille moyenne du prêt
Vérification des affaires	156 millions de dollars	$45,000
Secours de crédit	87 millions de dollars	$125,000
Financement de l'équipement	42 millions de dollars	$95,000

Fidélité d & D Bancorp, Inc. (FDBC) - Modèle d'entreprise: relations clients

Approche bancaire basée sur les relations

Depuis le Q4 2023, Fidelity D & D Bancorp maintient 12 emplacements de succursales à service complet à travers la Pennsylvanie. La banque dessert environ 45 000 comptes clients avec une stratégie de banque de relations personnalisée.

Segment de clientèle	Nombre de comptes	Valeur moyenne du compte
Banque personnelle	32,500	$87,600
Banque d'affaires	6,750	$215,300
Gestion de la richesse	5,750	$412,500

Services de conseil financier personnalisés

La banque propose consultation financière dédiée avec 24 conseillers financiers certifiés à travers son réseau.

• Temps de consultation client moyen: 1,5 heures
• Sessions annuelles d'examen financière: 2 par client
• Services de conseil spécialisés pour la planification de la retraite
• Gestion du portefeuille d'investissement

Engagement communautaire et soutien local

En 2023, Fidelity D & D Bancorp a investi 375 000 $ dans des programmes de développement communautaire local.

Initiative communautaire	Montant d'investissement	Compte de bénéficiaire
Support local des petites entreprises	$185,000	62 entreprises
Bourses éducatives	$95,000	38 étudiants
Infrastructure communautaire	$95,000	4 projets locaux

Canaux de service client numérique

La pénétration des services bancaires numériques a atteint 68% de la clientèle totale en 2023.

• Utilisateurs de l'application de banque mobile: 29 700
• Utilisateurs de la plate-forme bancaire en ligne: 35 200
• Volume de transaction numérique moyen: 3,4 transactions par utilisateur par mois

Programmes de fidélité et rétention à long terme de la clientèle

Taux de rétention de la clientèle en 2023: 87,5%

Fonctionnalité du programme de fidélité	Comptage des participants	Avantage annuel moyen
Programme client préféré	8,250	$225
Récompenses de compte à long terme	5,600	$175

Fidélité d & D Bancorp, Inc. (FDBC) - Modèle d'entreprise: canaux

Emplacements de branche physiques

Depuis 2024, Fidelity D & D Bancorp maintient 18 emplacements de succursales physiques à travers la Pennsylvanie. La distribution des succursales est la suivante:

Région	Nombre de branches
Comté de Lackawanna	8
Comté de Luzerne	6
Comté de Wayne	4

Plateforme bancaire en ligne

Fonctionnalités bancaires numériques:

• Suivi du solde du compte
• Transferts de fonds
• Services de paiement de factures
• Dispositions électroniques

Application bancaire mobile

Statistiques de téléchargement de l'application mobile:

Plate-forme	Téléchargements totaux
IOS App Store	12,500
Google Play Store	9,750

Réseau ATM

Réseau ATM total: 24 machines

Type d'emplacement	Nombre de distributeurs automatiques de billets
Emplacements appartenant à des banques	18
Emplacements partenaires	6

Téléphone et e-mail Assistance client

Canaux de contact du support client:

• Heures d'assistance téléphonique: 8h00 à 18h00 HNE
• Temps de réponse de la support par e-mail: moyenne 24 heures
• Interactions annuelles du support client: 42 500

Fidélité d & D Bancorp, Inc. (FDBC) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis 2024, Fidelity D & D Bancorp dessert environ 2 300 clients commerciaux de taille petite et moyenne dans les régions du Delaware et du Maryland.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	687	$425,000
Services professionnels	542	$385,000
Fabrication	416	$612,000

Clients résidentiels locaux

La banque dessert 48 750 clients résidentiels locaux du Delaware et du Maryland.

• Portfolio hypothécaire: 342 millions de dollars
• Prêt résidentiel moyen: 287 500 $
• Home equity lignes de crédit: 76,4 millions de dollars

Professionnels des régions du Delaware et du Maryland

La clientèle professionnelle cible comprend 3 215 clients professionnels de secteurs comme les soins de santé, le juridique et la technologie.

Secteur professionnel	Nombre de clients	Solde moyen du compte
Soins de santé	1,247	$215,000
Professionnels du droit	892	$276,000
Technologie	1,076	$198,000

Clients du secteur agricole et commercial

Le portefeuille de prêts agricoles et commerciaux totalise 276,5 millions de dollars en 2024.

• Prêts agricoles: 87,3 millions de dollars
• Prêts immobiliers commerciaux: 189,2 millions de dollars
• Clients commerciaux totaux: 1 542

Clients de la retraite et de la gestion de la patrimoine

Le segment de la gestion de patrimoine dessert 6 750 clients avec un actif total sous gestion de 1,24 milliard de dollars.

Type de client	Nombre de clients	Valeur de portefeuille moyenne
Comptes de retraite individuels	4,215	$412,000
Plans de retraite d'entreprise	872	$1,876,000
Clients à valeur nette élevée	1,663	$2,350,000

Fidélité d & D Bancorp, Inc. (FDBC) - Modèle d'entreprise: Structure des coûts

Succursale des dépenses opérationnelles

Depuis le rapport annuel de 2022, Fidelity D & D Bancorp, Inc. a déclaré des dépenses opérationnelles de succursales totales de 12,4 millions de dollars.

Catégorie de dépenses	Montant ($)
Loyer et installations	3,750,000
Services publics	1,240,000
Entretien	2,100,000
Personnel de soutien à la succursale	5,310,000

Maintenance des infrastructures technologiques

Les coûts d'infrastructure technologique pour 2022 ont totalisé 5,6 millions de dollars.

• Maintenance du matériel informatique: 1 680 000 $
• Licence de logiciel: 2 240 000 $
• Systèmes de cybersécurité: 1 120 000 $
• Infrastructure réseau: 560 000 $

Salaires et avantages sociaux des employés

La rémunération totale des employés pour 2022 était de 37,2 millions de dollars.

Catégorie de compensation	Montant ($)
Salaires de base	26,040,000
Bonus de performance	5,580,000
Assurance maladie	3,360,000
Prestations de retraite	2,220,000

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire en 2022 s'élevaient à 4,8 millions de dollars.

• Frais juridiques et de conseil: 2 160 000 $
• Logiciel de conformité: 1 440 000 $
• Formation et certification: 720 000 $
• Audit et rapport: 480 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2022 étaient de 3,5 millions de dollars.

Canal de marketing	Montant ($)
Publicité numérique	1,400,000
Médias traditionnels	840,000
Parrainages communautaires	560,000
Programmes d'acquisition de clients	700,000

Fidélité d & D Bancorp, Inc. (FDBC) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Depuis le rapport annuel de 2022, Fidelity D & D Bancorp, Inc. a déclaré un revenu total d'intérêts de 34,7 millions de dollars. La rupture des revenus des intérêts du prêt était la suivante:

Catégorie de prêt	Revenu des intérêts ($)
Prêts commerciaux	15,200,000
Prêts hypothécaires résidentiels	12,500,000
Prêts à la consommation	6,900,000

Frais de service et frais

Les frais de service et les frais ont généré 4,2 millions de dollars de revenus pour l'exercice 2022, avec la distribution suivante:

• Frais de maintenance du compte: 1 600 000 $
• Frais de découvert: 1 300 000 $
• Frais de transaction ATM: 800 000 $
• Autres frais de service bancaire: 500 000 $

Services d'investissement et de gestion de la patrimoine

La division d'investissement et de gestion de la patrimoine a contribué à 3,5 millions de dollars de revenus pour 2022:

Type de service	Revenus ($)
Services de conseil financier	1,800,000
Frais de gestion des actifs	1,200,000
Services de planification de la retraite	500,000

Frais de transaction bancaire numérique

Les services bancaires numériques ont généré 1,1 million de dollars de frais de transaction en 2022:

• Transactions bancaires en ligne: 600 000 $
• Frais de banque mobile: 350 000 $
• Traitement des paiements numériques: 150 000 $

Revenus hypothécaire et de prêt commercial

Les activités de prêt hypothécaire et commercial ont produit 5,6 millions de dollars de revenus supplémentaires pour 2022:

Catégorie de prêt	Revenus ($)
Frais d'origine hypothécaire	2,800,000
Frais de prêt commercial	2,100,000
Frais de refinancement de prêt	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.