The Fidelity Deposit and Discount Bank
Dunmore, Pennsylvania, Lackawanna County
$3.0B in total assets, the 443rd largest of 4,309 US banks and 20th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 11868
- Established
- 1903
- Owned by
- Fidelity D&d Bcorp Inc
- Primary regulator
- FDIC
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.0B | 69% | $2.2B | |
| Loans | $2.1B | 61% | $1.6B | |
| Deposits | $2.6B | 78% | $1.8B | |
| Return on assets | 1.15% | 47% | 1.19% | |
| Net interest margin | 3.11% | 19% | 3.75% | |
| Efficiency ratio | 58.2% | 47% | 59.5% | |
| Equity to assets | 8.50% | 14% | 10.49% | |
| Loans to deposits | 82% | 17% | 90% |
Growth
Total assets grew 8.9% a year over the last 5 years and 14.7% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2021 | Landmark Community Bank Pittston, PA | $355M |
| May 2020 | Merchants Bank of Bangor Bangor, PA | $409M |
Where they operate
23 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lackawanna County, PA | $1.4B | 17.3% | 3 of 17 |
| Luzerne County, PA | $600M | 7.4% | 5 of 18 |
| Northampton County, PA | $573M | 7.3% | 6 of 21 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (13 to 23, +76.9%). 3 opened, 12 acquired, 5 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2016 | Closed Eynon | 0 | 1 | −1 | 12 |
| 2018 | Opened Dallas | 1 | 0 | +1 | 13 |
| 2019 | Opened Mountain Top | 1 | 0 | +1 | 14 |
| 2020 | Acquired Merchants Bank of BangorClosed Bangor | 9 | 1 | +8 | 22 |
| 2021 | Acquired Landmark Community Bank | 3 | 0 | +3 | 25 |
| 2022 | Closed Dunmore and Martins Creek | 0 | 2 | −2 | 23 |
| 2023 | Opened Wilkes BarreClosed Hazle Township | 1 | 1 | 0 | 23 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 37% | 32% | |
| 1-4 family residential | 34% | 35% | |
| Business (C&I) | 12% | 10% | |
| Construction and land | 5% | 6% | |
| Consumer | 3% | 3% | |
| Multifamily | 3% | 8% | |
| Farmland | 0% | 3% | |
| Other | 7% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 64% | 54% | |
| Noninterest-bearing | 23% | 19% | |
| Time deposits | 13% | 27% |
Brokered deposits are 0.0% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.07% | 0.58% |
| Net charge-offs, annualized | 0.01% | 0.04% |
| Reserves to loans | 1.02% | 0.98% |
| Leverage ratio | 9.50% | 9.95% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Lackawanna County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/fidelity-deposit-discount