Fidelity Bank

What Fidelity Bank does

Fidelity Bank, operating as Fidelity D & D Bancorp, Inc. (NASDAQ: FDBC), is a Pennsylvania-chartered community bank headquartered in Dunmore, Pennsylvania, founded in 1902. The bank operates 21 full-service community banking offices across Lackawanna, Luzerne, Northampton, Lehigh, and Schuylkill counties — covering northeastern Pennsylvania (NEPA) and the Lehigh Valley — and serves individuals, families, small and mid-market businesses, healthcare providers, government/municipal entities, manufacturers, logistics firms, and wealth management clients. As of March 31, 2026, Fidelity reported $2.9 billion in total assets, a 9.38% Tier 1 capital ratio, 14.45% total risk-based capital ratio, Q1 2026 net income of $7.5M (up 25% YoY), and 11 consecutive years of dividend growth.

The product portfolio is organized into four divisions: Consumer Banking (tiered checking, savings, CDs, IRAs, CDARS/ICS, teen and education accounts), Mortgage & Consumer Lending (conventional, FHA/VA/USDA, construction, home equity, auto, personal), Commercial Banking (SBA preferred-lender loans, equipment financing, commercial mortgages, business checking, cash management with Positive Pay, merchant services, healthcare and government specialty verticals), and Wealth Management (investment management, trust and fiduciary services, private banking, retirement plan services, endowment and foundation management). The technology stack centers on an Alkami-powered digital banking platform with native iOS/Android mobile apps, mobile deposit, digital wallet/Apple Pay/Google Pay, the SecureNow card-toggle fraud feature, Remote Deposit Capture, and a comprehensive suite of financial calculators. Visa-branded debit and credit cards and Zelle-adjacent payment evaluation round out the digital surface.

Fidelity's revenue model is a traditional community-bank mix: net interest income from mortgages, commercial loans, consumer loans, and business lending (primary), supplemented by non-interest income from deposit/ATM/wire fees, merchant services, and wealth management advisory fees (priced on AUM, billed annually). The go-to-market is relationship-led and sales-led, with direct consultation for commercial/SBA lending and branch-based personalized service for retail and wealth clients; a multi-channel marketing approach emphasizes community engagement, financial education content, and word-of-mouth referrals. The bank holds SBA Preferred Lender, FDIC-insured, Equal Housing Lender, and NMLS certifications. A pending $142.8M all-cash acquisition of Affinity Bancshares (announced March 30, 2026) will extend the franchise into Georgia and grow combined assets to approximately $5.5 billion upon expected close in Q3 2026.

Name

Fidelity Bank

Legal name

Fidelity Bank

Website

https://bankatfidelity.com

Company type

Public

Founded year

1902

Operating status

Operating

Headcount range

251–500 employees

Short description

Fidelity Bank (NASDAQ: FDBC) is a Pennsylvania community bank operating 21 branches across NEPA and Lehigh Valley, serving consumers, businesses, healthcare providers, government entities, and wealth clients with deposits, lending, SBA, and wealth management products on a $2.9B asset base.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking services
• Commercial lending
• Residential mortgage lending
• Wealth management services
• Small business banking

Headquarters

HQ city

Scranton

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Core banking revenue generated from interest earned on loans including mortgages, commercial loans, consumer loans, and business lending. The bank operates 21 full-service community banking offices serving individual and business customers.
2. Non-Interest Income: Fee-based revenue from deposit account fees, ATM fees, wire transfer fees, merchant services, wealth management fees, and other banking service charges.
3. Wealth Management Services: Investment management, trust and fiduciary services, and private banking generating advisory and management fees.
4. Commercial Banking Services: Business checking, commercial lending, cash management, and merchant services for business customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Fidelity Bank provides full-service community banking to consumers and businesses across northeastern Pennsylvania, including checking, savings, money market, CDs, IRAs, mortgages, home equity, auto and personal loans, credit cards, business checking and lending, SBA loans, equipment financing, merchant services, cash management, healthcare and government banking, and wealth management services. The bank distributes these offerings through 21 branches, online and mobile channels, and direct relationship management.

Product overview

Fidelity Bank (Fidelity D & D Bancorp, Inc., NASDAQ: FDBC) is a Pennsylvania-based community bank offering a unified, full-service banking platform organized into four primary divisions: Consumer Banking (checking, savings, CDs, IRAs, and digital tools), Commercial Banking (business lending, SBA loans, merchant services, cash management, and government banking), Wealth Management (investment management, trust services, private banking, and retirement planning), and Mortgage & Consumer Lending (residential mortgages, home equity products, auto loans, and personal loans). The portfolio includes specialized programs for healthcare professionals, government entities, and municipalities. The bank operates 21 full-service offices across northeastern Pennsylvania and serves customers via digital channels including online banking, mobile apps, and Remote Deposit Capture. A new digital banking platform (Alkami-powered) was launched to enhance the digital customer experience.

Differentiator

Problem solved

Functional benefit

Brands

• Fidelity D&D Charitable Foundation: The bank's charitable foundation supporting community giving programs
• Fidelity Bank Wealth Management
• IMPACT Grant

Products and services

• Personal Checking Accounts
• Personal Savings Accounts
• Money Markets, Certificates of Deposit, and IRAs
• Residential Mortgage Programs
• Home Equity Products
• Auto Loans
• Personal Loans
• Fidelity Visa Credit Card
• Business Checking Accounts
• Business Lending and SBA Loans
• Business Auto Loans
• Cash Management
• Merchant Services
• Healthcare Banking Services
• Government Banking
• Wealth Management and Investment Management
• Trust and Fiduciary Services
• Private Banking
• Endowment and Foundations Services
• Retirement Plan Services
• Estate and Succession Planning

Quantifiable outcome

• 25% increase in Q1 2026 net income compared to Q1 2025
• +2 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Affinity Bancshares, Inc.coreStrategic or Co-development Partner · 30 March 2026Fidelity BancShares (N.C.), Inc., the holding company for Fidelity Bank, signed a definitive merger agreement to acquire Affinity Bancshares, Inc. and its subsidiary Affinity Bank in an all-cash transaction valued at approximately $142.8 million. The acquisition marks Fidelity's entry into Georgia and will increase total assets to approximately $5.5 billion.
• VisacoreTechnology or IntegrationFidelity Bank offers Visa-branded debit and credit cards including Fidelity Bank Visa Debit Card, Visa Business Debit Card, and Fidelity Visa Credit Card. Partnership includes Visa Signature Zero Liability Policy for enhanced fraud protection.
• Fidelity D&D Charitable FoundationminorOthersCorporate foundation affiliated with Fidelity Bank that provides grants to local nonprofit organizations in the communities served by the bank.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Univest Financial Corporation: Southeastern Pennsylvania-based bank holding company with comparable community-banking model, wealth management, and commercial lending. Directly comparable in regional footprint overlap (Lehigh Valley) and target customer segments.
• ACNB Corporation: Pennsylvania-based community bank holding company operating across south-central PA and northern Maryland. Directly comparable in size, NASDAQ-listed status, and community-banking focus on consumer and SME customers.
• Penns Woods Bancorp: Williamsport, PA-based community bank holding company of similar size to Fidelity. Directly comparable as a Pennsylvania-focused community bank with consumer, commercial, and wealth management lines.
• S&T Bancorp: Indiana, Pennsylvania-based community bank holding company of similar size to Fidelity Bank, operating primarily in western and central Pennsylvania. Closely comparable in product mix, customer profile (SME and consumer), and community-banking operating model.
• Northwest Bancshares: Pennsylvania-headquartered savings institution with a multi-state footprint in the Northeast and Midwest. Comparable as a similarly-sized, deposit-funded community lender with strong retail branch distribution and mortgage operations.
• Tompkins Financial Corporation: Ithaca, NY-based community bank holding company with a multi-state Northeast footprint including Pennsylvania. Comparable in community-banking strategy, wealth management offerings, and commercial banking focus.
• Peoples Financial Services Corp. Scranton-area Pennsylvania community bank (close geographic overlap with Fidelity's NEPA base). Closely comparable in market, customer profile, and product set; one of Fidelity's most direct in-market competitors.

Regional players

• Berkshire Hills Bancorp: Boston-based community bank holding company operating across the Northeast, including New York and Pennsylvania. Comparable in size and community/regional banking model, but primarily serves a different geography.
• Lakeland Bancorp: New Jersey-headquartered community bank holding company serving northern NJ and nearby NY markets. Comparable as a similarly-sized Northeast community bank with comparable product mix, but in an adjacent rather than overlapping geography.

Broad incumbents

• F.N.B. Corporation: Pittsburgh-based regional bank holding company with a multi-state footprint across Pennsylvania, Ohio, North Carolina, and the Mid-Atlantic. Highly comparable to Fidelity as a Pennsylvania-rooted, NASDAQ-listed community/regional bank with similar commercial and consumer banking lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Fidelity_Bank
• YouTubeyoutube.com/channel/UCuvDu3f7z1WZszKb0Uv5COw
• Facebookfacebook.com/bankatfidelity
• LinkedInlinkedin.com/company/bankatfidelity
• Instagraminstagram.com/bankatfidelity

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fidelity Bank