Fidelity D & D Bancorp (FDBC) AGM 2026 Presentation summary

Vision and values

• Focus on building strong relationships and delivering superior client experiences.

• Aims to be the best workplace, banking partner, investment, and community supporter.

• Core values include relationships, integrity, passion, commitment, innovation, and shared success.

Financial performance highlights

• Net income rose 36% to $28.2 million in 2025; Q1 2026 net income up 25% year-over-year.

• Earnings per share increased 35% to $4.86 in 2025; Q1 2026 EPS up 24%.

• Net interest income grew 17.47% to $72.7 million in 2025; net interest margin improved to 2.95%.

• Total assets reached $2.7 billion in 2025, up 6%; Q1 2026 assets up 5%.

Balance sheet and portfolio mix

• Gross loans totaled $1.9 billion at year-end 2025, up 6% from 2024.

• Loan portfolio: 60.4% commercial, 39.6% retail; residential mortgages 28% of loans.

• Total deposits reached $2.5 billion, up 5%; 50% in checking accounts.

• 73% of deposits FDIC insured or collateralized as of March 2026.