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Fidelity D & D Bancorp (FDBC) investor relations material
Fidelity D & D Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $7.3 million ($1.27 per diluted share), up 48% year-over-year, driven by higher net interest income and lower credit loss provisions.
Year-to-date net income reached $20.3 million ($3.50 per diluted share), a 35% increase from the prior year period.
Results reflect disciplined loan portfolio expansion, strong deposit growth, and improved yields on interest-earning assets.
Tangible common book value per share rose to $36.23 from $32.55 year-over-year, reflecting increased retained earnings.
Financial highlights
Net interest income for Q3 2025 was $18.4 million, up 19% year-over-year; nine-month net interest income was $53.4 million, up $7.9 million.
Non-interest income for Q3 2025 increased 3% to $5.1 million, mainly from higher trust and interchange fees.
Non-interest expenses for Q3 2025 rose 6% to $14.6 million, primarily due to higher salaries, benefits, and premises costs.
Total assets reached $2.7 billion as of September 30, 2025, up $152.1 million since year-end 2024.
Efficiency ratio improved to 61.00% for the nine months, down from 66.44% a year ago.
Outlook and guidance
Management expects a moderately declining interest rate environment for the remainder of 2025, with further rate cuts anticipated in 2026.
Loan portfolio growth is expected, funded by excess cash and, if needed, borrowings; focus remains on margin enhancement and deposit cost management.
Management highlights strong momentum and confidence in achieving 2025 targets, supported by relationship-driven growth and enhanced asset yields.
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Next Fidelity D & D Bancorp earnings date
Q4 202527 Jan, 2026
Next Fidelity D & D Bancorp earnings date
Q4 202527 Jan, 2026
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Frequently asked questions
Fidelity D & D Bancorp, Inc. is a bank holding company that operates through its wholly-owned subsidiary, The Fidelity Deposit and Discount Bank. The company provides a broad range of traditional banking services, including savings and checking accounts, money market accounts, and certificates of deposit. It offers various loan products, such as commercial and industrial loans, commercial real estate loans, consumer loans, and residential mortgages. Additionally, the bank provides trust and financial services, including asset management, as well as alternative financial and insurance products. The company is headquartered in Dunmore, Pennsylvania, and its shares are listed on the NASDAQ.
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