Fidelity d & D Bancorp, Inc. (FDBC): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da fidelidade D & D Bancorp, Inc. (FDBC), uma potência bancária regional que transforma os serviços financeiros tradicionais por meio de um modelo de negócios meticulosamente trabalhado. Ao alavancar uma mistura única de conexões comunitárias locais, infraestrutura digital de ponta e soluções bancárias personalizadas, a FDBC se posicionou como uma instituição financeira dinâmica que atende às necessidades diferenciadas do Delaware e do diverso cenário econômico de Maryland. Essa tela abrangente do modelo de negócios revela os intrincados mecanismos que impulsionam o sucesso do banco, oferecendo uma visão de um membro de como um banco regional navega com dinâmica complexa de mercado, mantendo um forte compromisso com os serviços financeiros centrados no cliente.

Fidelity d & D Bancorp, Inc. (FDBC) - Modelo de negócios: Parcerias -chave

Associações comerciais locais em Delaware e Maryland

Fidelity d & D Bancorp mantém parcerias estratégicas com redes de negócios locais:

Associação	Localização	Status de associação
Associação de Banqueiros de Delaware	Wilmington, de	Membro ativo
Associação de Banqueiros de Maryland	Baltimore, MD	Membro ativo

Bancos comunitários e redes de serviços financeiros

As parcerias colaborativas de serviços financeiros incluem:

• Banqueiros comunitários independentes da América (ICBA)
• Banco Federal de Empréstimos à Criação de Pittsburgh
• Parcerias de rede de creditação local

Parceiros de conformidade regulatória

Parceiro regulatório	Tipo de colaboração
Federal Reserve Bank of Philadelphia	Supervisão regulatória
Empresa de consultoria de conformidade do FDIC	Serviços de consultoria regulatória

Provedores de serviços de tecnologia

Principais parcerias de tecnologia:

• Jack Henry & Associados - Core Banking Software
• Fiserv - soluções de processamento de pagamento
• Microsoft Azure - Infraestrutura em nuvem

Empresas de seguros e investimentos

Parceiro	Tipo de serviço	Duração da parceria
Seguro nacional	Gestão de patrimônio	Mais de 5 anos
Raymond James Financial	Aviso de investimento	Mais de 3 anos

Fidelity d & D Bancorp, Inc. (FDBC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

A partir do quarto trimestre 2023, Fidelity D & A D Bancorp, Inc. reportou ativos totais de US $ 2,47 bilhões. O banco fornece serviços bancários abrangentes em vários segmentos.

Categoria de serviço	Volume total (2023)	Penetração de mercado
Empréstimos comerciais	US $ 789,5 milhões	42% da carteira total de empréstimos
Bancos pessoais	US $ 612,3 milhões	32% da carteira total de empréstimos

Origem e processamento de empréstimos

A infraestrutura de processamento de empréstimos do banco lida com vários tipos de empréstimos com métricas operacionais específicas.

• Tempo médio de processamento de empréstimo: 5-7 dias úteis
• Volume anual de originação de empréstimos: US $ 1,2 bilhão
• Taxa de aprovação de empréstimo: 68% para pedidos comerciais

Gerenciamento de depósitos

O gerenciamento de depósitos representa uma função operacional crítica para o banco.

Tipo de depósito	Balanço Total (2023)	Taxa de crescimento
Contas de verificação	US $ 687,6 milhões	4,2% A / A.
Contas de poupança	US $ 521,3 milhões	3,7% A / A.

Manutenção da plataforma bancária digital

Os investimentos em infraestrutura digital apoiam as capacidades tecnológicas em andamento.

• Investimento anual de infraestrutura de TI: US $ 4,7 milhões
• Usuários do Banco Digital: 82.500
• Volume de transação bancária móvel: 3,2 milhões mensais

Gerenciamento de riscos e monitoramento de conformidade

A estrutura abrangente de gerenciamento de riscos suporta integridade operacional.

Área de conformidade	Custo de monitoramento anual	Classificação de conformidade
Conformidade regulatória	US $ 2,3 milhões	Excelente (Nível 1)
Segurança cibernética	US $ 1,9 milhão	Alto nível de proteção

Fidelity d & D Bancorp, Inc. (FDBC) - Modelo de negócios: Recursos -chave

Rede de filial regional forte

A partir do quarto trimestre 2023, Fidelity D & D Bancorp opera 14 locais bancários de serviço completo na Pensilvânia, especificamente nos condados de Lackawanna, Luzerne e Wayne.

Condado	Número de ramificações
Condado de Lackawanna	7
Condado de Luzerne	5
Wayne County	2

Equipe de gestão financeira experiente

A equipe total de liderança executiva é composta por 5 executivos seniores com posse bancária média de 22 anos.

Posição	Anos de experiência
Presidente/CEO	28 anos
Diretor financeiro	19 anos
Diretor de empréstimo	24 anos

Infraestrutura bancária digital

Plataformas bancárias digitais e investimentos em tecnologia a partir de 2023:

• Downloads de aplicativos bancários móveis: 42.500
• Usuários bancários online: 36.750
• Volume de transação digital: 1,2 milhão de transações anuais

Sistemas de gerenciamento de relacionamento com clientes

Métricas do sistema de CRM:

• Banco de dados total do cliente: 58.600 contas
• Clientes de banco digital ativo: 33.400
• Taxa de retenção de clientes: 87,3%

Reservas de capital

Métricas de estabilidade financeira para 2023:

Métrica de capital	Quantia
Total de ativos	US $ 1,42 bilhão
Índice de capital de camada 1	12.6%
Reservas de capital total	US $ 178,3 milhões

Fidelity d & D Bancorp, Inc. (FDBC) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre 2023, Fidelity D & D Bancorp atende a 27 locais bancários comunitários em toda a Pensilvânia. Total de ativos relatados em US $ 2,54 bilhões, com uma penetração no mercado local de 68% em suas regiões de serviço primário.

Categoria de serviço	Participação de mercado local	Segmentos de clientes
Bancos pessoais	42%	Consumidores individuais
Banking de negócios	26%	Empresas pequenas a médicas
Bancos comerciais	32%	Clientes corporativos

Taxas de juros competitivas em empréstimos e depósitos

Taxas de juros em janeiro de 2024:

• Contas de poupança pessoal: 1,75% APY
• Contas de corrente de negócios: 2,25% APY
• Empréstimos hipotecários: 6,35% de taxa fixa
• Empréstimos para pequenas empresas: a partir de 5,85%

Opções bancárias digitais e pessoais convenientes

Métricas bancárias digitais para 2023:

Canal digital	Usuários ativos	Volume de transação
Aplicativo bancário móvel	78.500 usuários	1,2 milhão de transações mensais
Plataforma bancária online	62.300 usuários	890.000 transações mensais

Atendimento ao cliente responsivo

Métricas de desempenho de atendimento ao cliente para 2023:

• Tempo médio de resposta: 12 minutos
• Classificação de satisfação do cliente: 4.6/5
• Canais de suporte: telefone, e-mail, bate-papo ao vivo, no ramo

Produtos financeiros personalizados para pequenas empresas

Destaques do portfólio bancário de pequenas empresas:

Tipo de produto	Valor total do portfólio	Tamanho médio do empréstimo
Verificação de negócios	US $ 156 milhões	$45,000
Linhas de negócios de crédito	US $ 87 milhões	$125,000
Financiamento de equipamentos	US $ 42 milhões	$95,000

Fidelity d & D Bancorp, Inc. (FDBC) - Modelo de Negócios: Relacionamentos do Cliente

Abordagem bancária baseada em relacionamento

A partir do quarto trimestre 2023, Fidelity D & D Bancorp mantém 12 localizações de filiais de serviço completo em toda a Pensilvânia. O banco atende a aproximadamente 45.000 contas de clientes com uma estratégia bancária de relacionamento personalizada.

Segmento de clientes	Número de contas	Valor médio da conta
Bancos pessoais	32,500	$87,600
Banking de negócios	6,750	$215,300
Gestão de patrimônio	5,750	$412,500

Serviços de Consultoria Financeira Personalizada

O banco oferece consulta financeira dedicada com 24 consultores financeiros certificados em sua rede.

• Tempo médio de consulta ao cliente: 1,5 horas
• Sessões anuais de revisão financeira: 2 por cliente
• Serviços de consultoria especializados para planejamento de aposentadoria
• Gerenciamento de portfólio de investimentos

Engajamento da comunidade e apoio local

Em 2023, fidelidade D & D Bancorp investiu US $ 375.000 em programas de desenvolvimento comunitário local.

Iniciativa comunitária	Valor do investimento	Contagem de beneficiários
Suporte local para pequenas empresas	$185,000	62 empresas
Bolsas de estudo educacionais	$95,000	38 alunos
Infraestrutura comunitária	$95,000	4 projetos locais

Canais de atendimento ao cliente digital

A penetração bancária digital atingiu 68% da base total de clientes em 2023.

• Usuários de aplicativos bancários móveis: 29.700
• Usuários da plataforma bancária online: 35.200
• Volume médio de transação digital: 3,4 transações por usuário por mês

Programas de fidelidade e retenção de clientes de longo prazo

Taxa de retenção de clientes em 2023: 87,5%

Recurso do programa de fidelidade	Contagem de participantes	Benefício médio anual
Programa de Cliente Preferido	8,250	$225
Recompensas de contas de longo prazo	5,600	$175

Fidelity d & D Bancorp, Inc. (FDBC) - Modelo de Negócios: Canais

Locais de ramificação física

A partir de 2024, Fidelity D & D Bancorp mantém 18 locais de filiais físicas em toda a Pensilvânia. A distribuição da filial é a seguinte:

Região	Número de ramificações
Condado de Lackawanna	8
Condado de Luzerne	6
Wayne County	4

Plataforma bancária online

Recursos bancários digitais:

• Rastreamento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• States eletrônicos

Aplicativo bancário móvel

Mobile App Download Statistics:

Plataforma	Downloads totais
IOS App Store	12,500
Google Play Store	9,750

Rede ATM

Rede ATM total: 24 máquinas

Tipo de localização	Número de caixas eletrônicos
Locais de propriedade de bancos	18
Locais de parceiros	6

Telefone e e -mail Suporte ao cliente

Canais de contato de suporte ao cliente:

• Horário de suporte telefônico: 8:00 - 18:00 EST
• Tempo de resposta de suporte por e -mail: média 24 horas
• Interações anuais de suporte ao cliente: 42.500

Fidelity d & D Bancorp, Inc. (FDBC) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir de 2024, Fidelity D & D Bancorp atende a aproximadamente 2.300 clientes comerciais pequenos e médios nas regiões de Delaware e Maryland.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	687	$425,000
Serviços profissionais	542	$385,000
Fabricação	416	$612,000

Clientes residenciais locais

O banco atende 48.750 clientes residenciais locais em Delaware e Maryland.

• Portfólio de hipotecas: US $ 342 milhões
• Empréstimo residencial médio: US $ 287.500
• Linhas de crédito de capital doméstico: US $ 76,4 milhões

Profissionais nas regiões de Delaware e Maryland

A base de clientes profissional -alvo inclui 3.215 clientes profissionais de setores como saúde, jurídica e tecnologia.

Setor profissional	Número de clientes	Saldo médio da conta
Assistência médica	1,247	$215,000
Profissionais do direito	892	$276,000
Tecnologia	1,076	$198,000

Clientes do setor agrícola e comercial

O portfólio de empréstimos agrícolas e comerciais totaliza US $ 276,5 milhões em 2024.

• Empréstimos agrícolas: US $ 87,3 milhões
• Empréstimos imobiliários comerciais: US $ 189,2 milhões
• Total de clientes comerciais: 1.542

Clientes de aposentadoria e gerenciamento de patrimônio

O segmento de gerenciamento de patrimônio atende 6.750 clientes com ativos totais sob gerenciamento de US $ 1,24 bilhão.

Tipo de cliente	Número de clientes	Valor médio do portfólio
Contas de aposentadoria individuais	4,215	$412,000
Planos de aposentadoria corporativa	872	$1,876,000
Clientes de alto patrimônio líquido	1,663	$2,350,000

Fidelity d & D Bancorp, Inc. (FDBC) - Modelo de negócios: estrutura de custos

Despesas operacionais de ramificação

Até o relatório anual de 2022, Fidelity D & A D Bancorp, Inc. relatou despesas operacionais totais de ramificação de US $ 12,4 milhões.

Categoria de despesa	Valor ($)
Aluguel e instalações	3,750,000
Utilitários	1,240,000
Manutenção	2,100,000
Equipe de suporte da filial	5,310,000

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura de tecnologia para 2022 totalizaram US $ 5,6 milhões.

• Manutenção de hardware de TI: US $ 1.680.000
• Licenciamento de software: US $ 2.240.000
• Sistemas de segurança cibernética: US $ 1.120.000
• Infraestrutura de rede: US $ 560.000

Salários e benefícios dos funcionários

A compensação total dos funcionários em 2022 foi de US $ 37,2 milhões.

Categoria de compensação	Valor ($)
Salários da base	26,040,000
Bônus de desempenho	5,580,000
Seguro de saúde	3,360,000
Benefícios de aposentadoria	2,220,000

Custos de conformidade regulatória

As despesas de conformidade regulatória em 2022 totalizaram US $ 4,8 milhões.

• Taxas legais e de consultoria: US $ 2.160.000
• Software de conformidade: US $ 1.440.000
• Treinamento e certificação: US $ 720.000
• Auditoria e relatórios: US $ 480.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2022 foram de US $ 3,5 milhões.

Canal de marketing	Valor ($)
Publicidade digital	1,400,000
Mídia tradicional	840,000
Patrocínio da comunidade	560,000
Programas de aquisição de clientes	700,000

Fidelity d & D Bancorp, Inc. (FDBC) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Até o relatório anual de 2022, Fidelity D & A D Bancorp, Inc. reportou receita total de juros de US $ 34,7 milhões. A repartição da receita de juros do empréstimo foi a seguinte:

Categoria de empréstimo	Receita de juros ($)
Empréstimos comerciais	15,200,000
Empréstimos hipotecários residenciais	12,500,000
Empréstimos ao consumidor	6,900,000

Cobranças e taxas de serviço

As cobranças e taxas de serviço geraram US $ 4,2 milhões em receita para o ano fiscal de 2022, com a seguinte distribuição:

• Taxas de manutenção de conta: US $ 1.600.000
• Taxas de cheque especial: US $ 1.300.000
• Taxas de transação ATM: US $ 800.000
• Outras taxas de serviço bancário: US $ 500.000

Serviços de investimento e gerenciamento de patrimônio

A divisão de investimento e gerenciamento de patrimônio contribuiu com US $ 3,5 milhões em receita para 2022:

Tipo de serviço	Receita ($)
Serviços de Consultoria Financeira	1,800,000
Taxas de gerenciamento de ativos	1,200,000
Serviços de planejamento de aposentadoria	500,000

Taxas de transação bancária digital

Os serviços bancários digitais geraram US $ 1,1 milhão em taxas de transação durante 2022:

• Transações bancárias online: $ 600.000
• Taxas bancárias móveis: US $ 350.000
• Processamento de pagamento digital: US $ 150.000

Receita de hipoteca e empréstimos comerciais

As atividades de hipoteca e empréstimos comerciais produziram US $ 5,6 milhões em receita adicional para 2022:

Categoria de empréstimo	Receita ($)
Taxas de originação hipotecária	2,800,000
Taxas de empréstimo comercial	2,100,000
Taxas de refinanciamento de empréstimos	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.