FDBCMEDIUM SIGNALFINANCIAL10-K

FDBC demonstrated strong financial performance with substantially higher cash levels and improved profitability metrics across the board.

The regional bank showed solid operational improvements with net income growing notably alongside meaningful expansion in operating cash flow. The substantial increase in cash and equivalents positions the company well for potential lending opportunities or capital deployment, while the healthy equity growth indicates strong capital retention and earnings accumulation.

Comparing 2026-03-13 vs 2025-03-13View on EDGAR →
FINANCIAL ANALYSIS

FDBC's financial position strengthened considerably, with cash and equivalents substantially higher at $148.1M compared to $83.4M in the prior year, while stockholders' equity grew meaningfully to $238.9M. The bank's profitability improved across key metrics, with net interest income expanding 12% to $119.8M and net income growing notably to $28.2M, supported by operating cash flow that increased to $42.4M. The overall financial picture signals a well-capitalized regional bank with improving operational performance and enhanced liquidity positioning.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
+77.6%
$83.4M$148.1M

Cash position surged 77.6% — strong cash generation or capital raise providing significant financial cushion.

Operating Cash Flow
Cash Flow
+43.3%
$29.6M$42.4M

Operating cash flow surged 43.3% — exceptional cash generation, highest quality earnings signal.

Net Income
P&L
+35.6%
$20.8M$28.2M

Net income grew 35.6% — bottom-line growth signals improving overall business health.

Stockholders Equity
Balance Sheet
+17.1%
$204.0M$238.9M

Equity base grew 17.1% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Net Interest Income
P&L
+12%
$107.0M$119.8M

Net interest income grew 12% — benefiting from rate environment or loan book expansion.

LANGUAGE CHANGES
NEW — 2026-03-13
PRIOR — 2025-03-13
ADDED
fdbc20260301_10k.htm 0001098151 FIDELITY D D BANCORP INC false --12-31 FY 2025 The Board of Directors assumes ultimate responsibility for overseeing the Company's information security program.
The Board of Directors assumes ultimate responsibility for overseeing the Company's information security program.
The Board of Directors assumes ultimate responsibility for overseeing the Company's information security program.
The Board of Directors assumes ultimate responsibility for overseeing the Company's information security program.
The Board of Directors assumes ultimate responsibility for overseeing the Company's information security program.
true true true true false true 333,012 384,280 203,137 194,575 20,168 19,666 588 2,089 5,000,000 5,000,000 0 0 0 0 0 0 10,000,000 10,000,000 5,771,110 5,771,110 5,736,252 5,736,252 180 54 0 0 0 0 http://fasb.org/us-gaap/2025#InterestReceivable 0 10 0 0 0 false false false false true false Amount necessary to reduce net minimum lease payments to present value calculated at the Company s incremental borrowing rate upon lease inception.
Includes net deferred loan costs of $4.8 million and net unamortized fair value mark discount on acquired loans of $3.5 million.
Vest after 3 years 33% each year Vest after 1 year Includes net deferred loan costs of $5.0 million and net unamortized fair value mark discount on acquired loans of $4.9 million.
State taxes of New Jersey made up the majority (greater then 50% of the tax effect in this category).
As of June 30, 2025, the Company had 17.30% of Lackawanna County s total deposit market share ranking 3rd in total deposits, 7.24% of Luzerne County s total deposit market share ranking 8 th in total deposits, and 7.21% of Northampton County s total deposit market share ranking 6 th in total deposits.
REMOVED
fdbc20241231_10k.htm 0001098151 FIDELITY D D BANCORP INC false --12-31 FY 2024 true true true true true false 194,575 197,176 19,666 18,806 2,089 1,483 5,000,000 5,000,000 0 0 0 0 0 0 10,000,000 10,000,000 5,736,252 5,736,252 5,703,636 5,703,636 54 38 0 0 0 http://fasb.org/us-gaap/2024#InterestReceivable 26.1 0 10 0 False False False False Amount necessary to reduce net minimum lease payments to present value calculated at the Company s incremental borrowing rate upon lease inception.
Vest fully after 3 years Includes net deferred loan costs of $4.9 million.
Vest after 3 years 33% each year Vest after 1 year Net of unearned lease revenue of $2.0 million.
As of June 30, 2024, the Company had 15.70% of Lackawanna County s total deposit market share ranking 2nd in total deposits, 6.14% of Luzerne County s total deposit market share ranking 8 th in total deposits, and 7.12% of Northampton County s total deposit market share ranking 6 th in total deposits.
The unemployment rates in the Company s local statistical markets, Scranton-Wilkes-Barre-Hazleton and Allentown-Bethlehem-Easton, increased to 3.8% and 3.4%, respectively, from 3.5% and 3.3%, respectively, at the end of 2023.
Human Capital Mission and Core Values Mission: We are Fidelity Bank.
We are passionate about success and committed to building strong relationships through exceptional experiences.
We will be the best bank for our bankers to work, our clients to bank, our shareholders to invest and for our community to prosper.
Demographics As of December 31, 2024, the Company employed 320 bankers within its network located in Northeast and Lehigh Valley, Pennsylvania.
The Company employed 31 part-time bankers and 289 full-time bankers.
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