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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.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.
Financial highlights
Q3 2025 net interest income rose 19% to $18.4 million, with a $3.0 million increase from higher loan balances and yields.
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.
For the nine months ended September 30, 2025, net interest income was $53.4 million, up $7.9 million year-over-year.
Total assets reached $2.7 billion as of September 30, 2025, up $152.1 million since year-end 2024.
Outlook and guidance
Management highlights strong momentum and confidence in achieving 2025 targets, supported by relationship-driven growth and enhanced asset yields.
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