---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-031811"
form_type: "8-K"
ticker: "FDBC"
cik: "0001098151"
company_name: "FIDELITY D & D BANCORP INC"
filed_at: "2024-10-23T23:59:59+00:00"
generated_at: "2026-05-30T10:57:09.237414+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Fidelity D & D Bancorp Q3 net income $5.0M ($0.86 EPS), down 6% YoY; NII up 5%

## Summary
- Net income $5.0M, diluted EPS $0.86; vs $5.3M, $0.93 in Q3 2023, a 6% decline.
- Net interest income $15.4M, +5% YoY; FTE net interest margin improved to 2.70% from 2.63%.
- Non-interest income $5.0M (+15%), but non-interest expenses $13.8M (+8%) partly offset gains.
- Non-performing assets rose to $7.6M (0.29% of assets) from $3.3M (0.13%) at Dec 31, 2023.
- Deposits grew $184.1M YTD; total assets $2.6B; Tier 1 capital ratio 9.30% (well capitalized).

## SEC filing metadata
- accession: 0001437749-24-031811
- form_type: 8-K
- ticker: FDBC
- cik: 0001098151
- company_name: FIDELITY D & D BANCORP INC
- filed_at: 2024-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1098151/000143774924031811/0001437749-24-031811-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1098151/000143774924031811/fdbc20240905_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-031811
- JSON: https://secwatch.observer/filing/0001437749-24-031811.json
- Plain text: https://secwatch.observer/filing/0001437749-24-031811.txt

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