---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-23-028910"
form_type: "8-K"
ticker: "FDBC"
cik: "0001098151"
company_name: "FIDELITY D & D BANCORP INC"
filed_at: "2023-10-25T23:59:59+00:00"
generated_at: "2026-06-09T09:49:25.841384+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Fidelity D & D Bancorp Q3 net income falls to $5.3M from $7.6M; EPS $0.93 vs $1.36

## Summary
- Net interest income $14.6M, down 21% YoY due to higher deposit costs; net interest margin fell 69 bps to 2.63%.
- Non-interest income rose 11% to $4.3M, driven by trust fees and deposit service charges.
- Non-performing assets were 0.14% of total assets, flat vs year-end; net charge-offs remain low at 0.04%.
- Tier 1 capital ratio 9.22%; total risk-based capital 14.76%; bank remains well capitalized.
- Loan portfolio grew $80M YTD to $2.5B total assets; deposit mix shifted toward higher-cost CDs.

## SEC filing metadata
- accession: 0001437749-23-028910
- form_type: 8-K
- ticker: FDBC
- cik: 0001098151
- company_name: FIDELITY D & D BANCORP INC
- filed_at: 2023-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1098151/000143774923028910/0001437749-23-028910-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1098151/000143774923028910/fdbc20230822_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-028910
- JSON: https://secwatch.observer/filing/0001437749-23-028910.json
- Plain text: https://secwatch.observer/filing/0001437749-23-028910.txt

## Key facts
- Earnings Releases
  FIDELITY D & D BANCORP INC reported financial results for the three and nine-month periods ended September 30, 2023.
  - Period: the three and nine-month periods ended September 30, 2023
  - Result: reported results
  source text: On October 25, 2023, Fidelity D & D Bancorp, Inc. issued a press release describing its results of operations for the quarter and year-to-date ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1098151/000143774923028910/0001437749-23-028910-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.