Revenue: As of FY2026 Q2, the actual value is USD 37.2 M.

EPS: As of FY2026 Q2, the actual value is USD 1.33.

EBIT: As of FY2026 Q2, the actual value is USD 9.581 M.

Outlook / Guidance

Fidelity D & D Bancorp, Inc. anticipates continued momentum and success for the remainder of 2026. This outlook is supported by strong revenue growth and favorable credit performance, as expressed by the President and Chief Executive Officer.

Second Quarter 2026 Highlights (Three Months Ended June 30, 2026 vs. June 30, 2025)

• Net Income: Net income increased by $0.9 million, or 13%, to $7.8 million, up from $6.9 million in the prior year period. This increase was primarily driven by a $2.9 million rise in net interest income and a $0.1 million increase in non-interest income, partially offset by a $1.3 million increase in non-interest expense and a $0.4 million increase in the provision for credit losses.
• Net Interest Income: Net interest income rose by 16% to $20.8 million, compared to $17.9 million in the second quarter of 2025. This $2.9 million increase was due to a $1.9 million increase in interest income and a $0.8 million decrease in interest expense on deposits.
• Interest Income: Total interest income was $31.7 million, up from $29.8 million in the prior year. Interest income from loans and leases increased to $28.5 million from $25.3 million. Interest income from securities and other decreased to $3.2 million from $4.4 million.
• Interest Expense: Total interest expense decreased to $11.0 million from $11.8 million. Interest expense on deposits was - $10.9 million, down from - $11.7 million. Interest expense on borrowings was - $0.073 million, down from - $0.098 million.
• Provision for Credit Losses: The provision for credit losses on loans was - $0.4 million, up from - $0.3 million. The provision for credit losses on unfunded commitments was - $0.34 million, up from - $0.02 million.
• Non-Interest Income: Total non-interest income increased by $0.1 million, or 2%, to $5.5 million, up from $5.4 million. This was primarily due to a $0.4 million increase in wealth management revenue, partially offset by a $0.2 million BOLI death benefit recognized in Q2 2025.
• Non-Interest Expense: Non-interest expenses increased by $1.3 million, or 9%, to - $16.0 million, up from - $14.7 million. This was mainly due to a $0.8 million increase in salaries and benefits and increases in professional services and premises and equipment expenses, partially offset by a $0.2 million decrease in advertising costs.
• Provision for Income Taxes: The provision for income taxes increased by $0.3 million to - $1.66 million from - $1.34 million, primarily due to a $1.3 million increase in income before taxes.
• Yields and Margins: The FTE yield on interest-earning assets increased to 4.86% from 4.77%. The overall cost of interest-bearing liabilities decreased to 2.24% from 2.52%. The cost of funds decreased to 1.73% from 1.95%. The FTE net interest spread increased to 2.62% from 2.25%. The FTE net interest margin increased to 3.22% from 2.92%.

Year-To-Date 2026 Highlights (Six Months Ended June 30, 2026 vs. June 30, 2025)

• Net Income: Net income increased by $2.4 million, or 19%, to $15.3 million, up from $12.9 million. This was driven by a $5.2 million increase in net interest income and a $0.4 million increase in non-interest income, partially offset by a $1.9 million increase in non-interest expense and a $1.0 million increase in the provision for credit losses.
• Net Interest Income: Net interest income increased to $40.2 million from $35.0 million. This $5.2 million increase resulted from a $4.1 million increase in interest income and a $1.1 million decrease in interest expense on deposits.
• Interest Income: Total interest income was $62.2 million, up from $58.1 million. Interest income from loans and leases increased to $55.1 million from $49.9 million. Interest income from securities and other decreased to $7.1 million from $8.1 million.
• Interest Expense: Total interest expense decreased to - $22.0 million from - $23.1 million. Interest expense on deposits was - $21.9 million, down from - $22.9 million. Interest expense on borrowings was - $0.146 million, down from - $0.186 million.
• Provision for Credit Losses: The provision for credit losses on loans was - $1.3 million, up from - $0.755 million. The provision for credit losses on unfunded commitments was - $0.43 million, compared to a benefit of $0.065 million in the prior period.
• Non-Interest Income: Total non-interest income increased by $0.4 million, or 3%, to $10.7 million, up from $10.3 million. This was primarily due to a $0.7 million growth in wealth management revenue, a $0.2 million increase in commercial loan late fees, and a $0.4 million increase in fees from commercial loans with interest rate hedges, partially offset by a $0.7 million decrease in gains from sold loans.
• Non-Interest Expense: Non-interest expenses increased to - $31.2 million, an increase of $1.9 million, or 7%, from - $29.3 million. Salaries and benefits expense increased by $1.2 million, professional services expense by $0.3 million, and premises and equipment expense by $0.2 million.
• Provision for Income Taxes: The provision for income taxes increased by $0.2 million to - $2.64 million from - $2.43 million, primarily due to a $2.6 million increase in income before taxes, partially offset by a $0.5 million discount from renewable energy tax credits.
• Yields and Margins: The FTE yield on earning assets increased to 4.82% from 4.75%. The overall cost of interest-bearing liabilities decreased to 2.25% from 2.51%. The cost of funds decreased to 1.75% from 1.94%. The FTE net interest spread increased to 2.57% from 2.24%. The FTE net interest margin increased to 3.15% from 2.91%.

Balance Sheet and Asset Quality (As of June 30, 2026 vs. December 31, 2025)

• Total Assets: Total assets reached $3.0 billion, an increase of $223.1 million from $2.75 billion.
• Loans and Leases: Net growth in the loans and leases portfolio was $174.9 million, reaching $2.09 billion from $1.91 billion.
• Cash and Cash Equivalents: Cash and cash equivalents increased by $59.6 million to $207.66 million from $148.06 million.
• Investment Portfolio: The investment portfolio decreased by $14.9 million to $509.03 million from $523.95 million.
• Total Liabilities: Total liabilities increased by $209.1 million, or 8%, to $2.72 billion from $2.51 billion.
• Deposits: Total deposits were $2.56 billion, up from $2.47 billion. Non-interest-bearing deposits increased by $30.3 million to $582.92 million from $552.58 million. Interest-bearing deposits increased to $1.98 billion from $1.91 billion, with money market deposits increasing by $77.7 million and savings and clubs by $7.0 million, partially offset by decreases in time deposits and interest-bearing checking accounts. The ratio of insured and collateralized deposits to total deposits was approximately 72%.
• Short-term Borrowings: Short-term borrowings increased significantly to $119.8 million from $0.02 million.
• Shareholders’ Equity: Shareholders’ equity increased by $14.0 million, or 6%, to $252.9 million from $238.9 million. This was due to $10.3 million higher retained earnings from net income and a $2.9 million after-tax improvement in accumulated other comprehensive income, partially offset by $5.0 million in cash dividends paid. An additional $0.9 million was recorded from common stock issuance.
• Capital Ratios: Tier 1 capital was 9.51% of total average assets. Total risk-based capital was 14.29% of risk-weighted assets, and Tier 1 risk-based capital was 13.17% of risk-weighted assets.
• Tangible Book Value per Share: Tangible book value per share was $40.08, up from $37.88.
• Tangible Common Equity Ratio: Tangible common equity decreased to 7.89% of total assets from 8.01%.
• Non-Performing Assets: Total non-performing assets were $1.8 million, or 0.06% of total assets, down from $2.2 million, or 0.08% of total assets.
• Past Due and Non-Accrual Loans: Past due and non-accrual loans to total loans were 0.22%, down from 0.26%.
• Net Charge-offs: Net charge-offs to average total loans were 0.01%, down from 0.03%.