Fidelity Bank (Dunmore, PA)
Fidelity Bank is an FDIC-insured commercial bank headquartered in Dunmore, PA, supervised by the FDIC, with $3.03B in total assets at Q3 2026, up 10.7% from Q3 2025, the 21st largest of 109 banks headquartered in Pennsylvania. It was established in 1903 and holds FDIC certificate 11868. Its CET1 capital ratio was 12.96% at Q3 2026, above regulatory requirements.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11868
- Headquarters
- Dunmore, PA
- Established
- 1903
- Total assets, Q3 2026
- $3.03B
- Assets vs Q3 2025
- +10.7%
- CET1 ratio, Q3 2026
- 12.96%
- Domestic offices
- 23 branches
- Routing number
- 031303129
- Safety and soundness
- Is Fidelity Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Fidelity Bank call report
- Holding company
- FIDELITY D&D BANCORP, INC.
- Asset rank in state
- 21st of 109 in Pennsylvania
Fidelity Bank, based in Dunmore, Pennsylvania, reported $3.0 billion in assets at September 30, 2026, up 10.7% from a year earlier. It carries problem assets equal to 1.0% of the capital and reserves that would absorb them, a small fraction of the median of 3.9% for the 887 banks with $1 billion to $10 billion in assets. It also grew its loan book 13.6% over the year, about double the median of 6.0% for banks its size.
Unrealized losses on its securities total $90 million, equal to 33% of Tier 1 capital, against 26% a year earlier. Loans are outrunning deposits: over the year loans rose 13.6% and deposits rose 5.8%. Funding is the softer spot: it holds about two-fifths of its deposits (43%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 31.1%).
As of September 30, 2026, Fidelity Bank reported a CET1 capital ratio of 12.96%, a return on assets of 1.29%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 1.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, Fidelity Bank is the 21st largest of the 109 banks headquartered in Pennsylvania. Between Q2 2026 and Q3 2026, its total assets rose 1.9% to $3.03B, loans rose 4.2% and deposits rose 2.0%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 32.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.7%. Its 23 offices in the FDIC Summary of Deposits are in 18 cities in PA; its Dunmore 2 offices book 25% of its branch deposits. Judged on its Q3 2026 call report, Fidelity Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Blakely St, Dunmore, PA 18512
- County
- Lackawanna
- Metro Area
- Scranton--Wilkes-Barre, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 11, 1903
- Former names
- The Fidelity Deposit and Discount Bank (2011)
- Domestic offices
- 23 branches
- Employees (FTE)
- 315
- Domestic deposits
- $2.61B
- Allowance for credit losses
- $22.4M
- Net charge-offs (YTD)
- $161K
- Average total assets
- $2.90B
- Average total loans
- $2.12B
- Average interest-bearing deposits
- $1.98B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11868
- Fed RSSD
- 1007819
- SEC CIK
- 1098151 → filed by FIDELITY D&D BANCORP, INC.
- Website
- http://www.bankatfidelity.com →
- Parent Holding Company
- FIDELITY D&D BANCORP, INC. (RSSD 2858773) · FDBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Daniel J Santaniello | CEO | President & CEO |
| Brian J Cali | CHR | Chairman of the Board |
| Salvatore R Defrancesco Jr | CFO | Treasurer & CFO |
| Eugene J Walsh | COO | VP & COO |
| Adam D. Bonanno | CIO | Chief Information Officer |
| Michael J Pacyna Jr | CCO | Executive VP & CCO |
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Fidelity Bank's total assets ranged from $2.47B (Q1 2024) to $3.03B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$3.03B total assets against $2.74B; $2.78B total liabilities against $2.51B.
$2.15B net loans and leases against $1.90B; $2.61B total deposits against $2.47B.
$513.3M securities against $529.3M; $173.6M cash and balances due against $142.2M.
$33.6M total interest income against $30.9M; $11.3M total interest expense against $12.3M.
$22.3M net interest income against $18.7M.
$5.6M total noninterest income against $4.8M; $15.5M total noninterest expense against $14.2M.
$1.1M provision for credit losses against $310K.
$9.4M net income against $7.7M.
1.29% return on assets against 1.12%; 3.40% net interest margin against 3.01%.
12.96% CET1 capital ratio against 13.41%; 9.64% tier 1 leverage ratio against 9.26%.
Inside the full Fidelity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Fidelity Bank rankings
Its closest position to the top of a national ranking is 424 of 4,193, for total assets; its furthest is 2,719 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.96% (Q4 2024) to 1.29% (Q3 2026) and its net interest margin ran from 2.85% (Q4 2024) to 3.40% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.96% | 1.29% | 0.12% | 1.02% | 3.40% |
| Q2 2026 | 13.16% | 1.16% | 0.08% | 0.55% | 3.27% |
| Q1 2026 | 13.31% | 1.11% | 0.12% | 0.85% | 3.12% |
| Q4 2025 | 13.65% | 1.19% | 0.10% | 0.78% | 3.15% |
| Q3 2025 | 13.41% | 1.12% | 0.14% | 1.03% | 3.01% |
| Q2 2025 | 13.55% | 1.08% | 0.17% | 1.48% | 2.98% |
| Q1 2025 | 13.49% | 0.97% | 0.33% | 2.78% | 2.91% |
| Q4 2024 | 13.52% | 0.96% | 0.41% | 3.73% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 23 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Fidelity Deposit and Discount Bank | Dunmore , PA | 18512 | $644.9M |
| Electric City Branch | Scranton , PA | 18503 | $198.7M |
| 247 Wyoming Avenue Branch | Kingston , PA | 18704 | $187.8M |
| Peckville Branch | Peckville , PA | 18452 | $152.5M |
| Pittston Office | Pittston , PA | 18640 | $151.5M |
| Forks Township Branch | Easton , PA | 18040 | $146.7M |
| Pennsylvania Avenue Branch | Bangor , PA | 18013 | $122.7M |
| Moosic Branch | Moosic , PA | 18507 | $121.0M |
| Morgan Highway Branch | Clarks Summit , PA | 18411 | $120.5M |
| Wind Gap Branch | Wind Gap , PA | 18091 | $82.6M |
| Green Ridge Branch | Scranton , PA | 18509 | $79.9M |
| Mount Bethel Branch | Mount Bethel , PA | 18343 | $75.3M |
| Hazleton Branch | Hazleton , PA | 18201 | $75.1M |
| Easton Branch | Easton , PA | 18042 | $59.9M |
| Bethlehem Branch | Bethlehem , PA | 18018 | $59.9M |
| Dallas Branch | Dallas , PA | 18612 | $58.5M |
| Midway Branch | Wyoming , PA | 18644 | $51.3M |
| Wilkes-Barre Branch Office | Wilkes Barre , PA | 18701 | $44.3M |
| West Scranton Branch | Scranton , PA | 18504 | $42.0M |
| Mountain Top Branch | Mountain Top , PA | 18707 | $31.1M |
| Call Center Branch | Scranton , PA | 18503 | $27.4M |
| Nazareth Branch | Nazareth , PA | 18064 | $25.9M |
| Trust Department Branch | Dunmore , PA | 18512 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2021 | Structure Change | Acquired Landmark Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2020 | Structure Change | Acquired Merchants Bank of Bangor Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in PA, rank 28 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 983 applications, 764 loans originated, $168.2M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 17 loans, $5.7M approved, $334K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fidelity Bank
What are Fidelity Bank's total assets?
As of the Q3 2026 filing, Fidelity Bank reported total assets of $3.03 billion in its FFIEC call report.
Where is Fidelity Bank headquartered?
It is headquartered in Dunmore, PA, United States.
When was Fidelity Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Fidelity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11868). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fidelity Bank?
Fidelity Bank's primary federal regulator is the FDIC.
What is Fidelity Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.96% in its Q3 2026 call report, above regulatory requirements.
How many branches does Fidelity Bank operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fidelity Bank's Texas Ratio?
Its Texas Ratio is 1.02% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was Fidelity Bank previously called?
The charter now named Fidelity Bank has also operated as The Fidelity Deposit and Discount Bank (2011), per FDIC structure-change records.
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