The record Q3 with expanding NIM and improving efficiency confirms the positive trajectory from Q2. Monitor Q4 for continued loan growth and deposit cost trends, as well as any impact from the new Scranton Corporate Center on expenses.
Price Chart
Executive Summary
Fidelity D & D Bancorp reported record Q3 2026 net income of $8.9M ($1.53/diluted share), up 21% YoY from $7.3M ($1.27/diluted share), driven by 18% net interest income growth to $21.8M on higher loan balances and lower funding costs. The FTE net interest margin expanded 35bps to 3.30%, while the efficiency ratio improved to 56.11% from 60.17%, reflecting strong operating leverage.
Key Financial Metrics
Key Facts
- Record quarterly net income of $8.9M, up 21% YoY from $7.3M
- Diluted EPS of $1.53 vs $1.27 in Q3 2025, a 20.5% increase
- Net interest income rose 18% to $21.8M, driven by $237.3M average loan growth and 29bps lower deposit costs
- FTE net interest margin expanded 35bps to 3.30%
- Efficiency ratio improved to 56.11% from 60.17% in prior-year quarter
- Total assets reached $3.03B, up $280.3M from Dec 2025
- Non-performing assets remained low at 0.08% of total assets
- Tangible book value per share grew to $39.06 from $37.88 at Dec 2025
Financial Impact
Net income increased $1.6M (21%) YoY to $8.9M; diluted EPS up $0.26 (20.5%) to $1.53
Risk Factors
- Provision for credit losses increased to $1.1M from $0.2M YoY due to loan growth, signaling higher credit costs
- Short-term borrowings surged to $132.7M from $20K at Dec 2025, indicating reliance on wholesale funding
- Tangible common equity ratio declined to 7.54% from 8.01% at Dec 2025 due to rapid asset growth
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001437749-26-033095 |
| Document: fdbc20260807_8k.htm | 0001437749-26-033095 |
| Document: 0001437749-26-033095-index-headers.html | 0001437749-26-033095 |
| Document: 0001437749-26-033095-index.html | 0001437749-26-033095 |
| Document: 0001437749-26-033095.txt | 0001437749-26-033095 |
| 8-K Data (Synthetic) | 0001437749-26-033095 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | Press Release | $62.97 | awaiting T+60 | — | $65.09 (+3.37%) |
Oct 21, 2026 5d ago | 8-K | $58.97 | awaiting T+60 | — | $65.09 (+10.38%) |
Jul 22, 2026 13w ago | 8-K | $51.35 $57.84 | ▲ +12.64% | ▲ +9.38% | $65.09 (+26.76%) |
Apr 22, 2026 26w ago | 8-K | $45.59 $52.47 | ▲ +15.09% | ▲ +10.31% | $65.09 (+42.77%) |
Apr 22, 2026 26w ago | Press Release | $45.59 $52.47 | ▲ +15.09% | ▲ +10.31% | $65.09 (+42.77%) |
US Market Status
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