FIDELITY D & D BANCORP INC (FDBC) Form 8-K — Oct 21, 2026
Fidelity D & D Bancorp (NASDAQ: FDBC) reported record third quarter 2026 earnings, with net income of $8.9 million, or $1.53 per diluted share, up 21% from $7.3 million, or $1.27 per diluted share, a year earlier. The beat was driven by an 18% jump in net interest income to $21.8 million, as average loans grew $237.3 million and the FTE net interest margin expanded 35 basis points to 3.30%. Non-interest income also rose 20% to $6.1 million, including a $0.3 million gain on the sale of bank property. Total assets reached $3.0 billion, up $280.3 million from year-end 2025, while the efficiency ratio improved to 56.11% from 60.17%.
Key figures
- Eps
- $1.53 diluted (Q3 2026); $4.16 diluted YTD
- Revenue
- $21.8 million net interest income (Q3 2026)
- Net Income
- $8.9 million (Q3 2026); $24.2 million YTD
- Revenue Yoy
- Net interest income +18% YoY
- Total Assets
- $3.0 billion ($3,028.4 million)
- Cash Position
- $173.6 million
- Shares Outstanding
- 5,808,508
- Total deposits
- $2.61 billion
- Efficiency ratio
- 56.11% (vs 60.17% prior year)
- Loans and leases
- $2.18 billion (+$261.7 million YTD)
- Q3 2025 net income
- $7.3 million
- Non interest income
- $6.1 million (Q3 2026, +20% YoY)
- Q3 2025 diluted eps
- $1.27
- Shareholders equity
- $247.0 million
- Non interest expense
- $16.1 million (Q3 2026, +10% YoY)
- Return on avg assets
- 1.24%
- Tier1 leverage ratio
- 9.64%
- Net interest margin fte
- 3.30% (up 35 bps YoY)
- Non performing assets ratio
- 0.08% of total assets
- Tangible book value per share
- $39.06
AI analysis
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