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The Fidelity Deposit and Discount Bank
Dunmore, PA·FDIC Cert #11868·Charter: STATE·Est. 19030511.0·HC: FIDELITY D&D BCORP INC
Total Assets
$2.7B
Q4 2025
Return on Assets
1.10%
+0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.93%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.10%+0.04
ROE
13.55%+0.22
Efficiency
59.93%-0.62
Equity/Assets
0.00%+0.00
NPL Ratio
0.10%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
76.66%-0.14
Charge-offs
0.03%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.9 | 0.9 | 1.0 | 1.0 | 1.1 | 1.1 |
| ROE | 12.0 | 11.6 | 11.3 | 11.6 | 12.5 | 13.1 | 13.3 | 13.6 |
| Efficiency | 65.7 | 65.8 | 65.4 | 65.3 | 61.0 | 60.8 | 60.5 | 59.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.4 | 0.4 | 0.4 | 0.3 | 0.2 | 0.1 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 75.7 | 78.8 | 75.8 | 76.1 | 73.1 | 74.6 | 76.8 | 76.7 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.5B
Total Loans$1.9B
Total Equity$238.8M
Profitability
ROA1.10%
ROE13.55%
Efficiency Ratio59.93%
Net Income$29.8M
Risk & Asset Quality
NPL Ratio0.10%
Charge-off Rate0.03%
Loan/Deposit76.66%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans