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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Fidelity Deposit & Discount Bank

Dunmore, Pennsylvania · $2.97B in assets · beside the 11 other Pennsylvania banks between $1B and $3B

The filing

0.08%
NPA / loans
2nd of 12
12.2x
Coverage of noncurrent
2nd of 12
81.6%
Loans / deposits
3rd of 12

Fidelity Deposit & Discount Bank is the largest of the 12 Pennsylvania banks nearest its size between $1B and $3B, with $2.97B in assets at 30 June 2026. Loans are 81.6% of deposits, 3rd of 12 against a median of 84.0%, and equity is 8.5% of assets, 8th of 12. Loans grew +13.7% in the year, 6th of 12, and deposits grew 5.1%; the cohort's median loan growth is +9.9%.

Noncurrent loans are 0.08% of the book, 2nd of 12 against a median of 0.67%; 0.13% is 30 to 89 days past due, and the allowance covers them 12.2 times. Commercial real estate is 26.4% of loans, 6th of 12 against a median of 29.1%, and 188% of capital, below the 300% screen, with construction at 32% against the 100% screen.

Return on assets is 1.13%, 7th of 12 against a median of 1.13%, on an efficiency ratio of 58.5%, 4th of 12. Five years ago it was 1.36%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.67% EB Embassy Bank Lehigh Valley 0.05% FD Fidelity Deposit & Discount Bank 0.08% Bo Bank of Bird-in-hand 0.19% EN Ephrata National Bank 0.54% KB Kish Bank 0.57% QB QNB Bank 0.61% JB Journey Bank 0.74% FM Farmers & Merchants Trust Chamber 1.10% WB Wayne Bank 1.21% NB Nextier Bank National Association 1.49% ST Somerset Trust Co. 1.49% MB Meridian Bank 3.68%
Loans, year over yearPA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.9% QB QNB Bank +40.8% WB Wayne Bank +26.9% Bo Bank of Bird-in-hand +15.5% KB Kish Bank +14.4% EN Ephrata National Bank +14.2% FD Fidelity Deposit & Discount Bank +13.7% FM Farmers & Merchants Trust Chamber +6.1% JB Journey Bank +4.1% MB Meridian Bank +3.7% EB Embassy Bank Lehigh Valley +3.0% NB Nextier Bank National Association +2.1% ST Somerset Trust Co. -1.0%

SBA 7(a), FY2008 to FY2026

Fidelity Deposit & Discount Bank is the 33rd largest 7(a) lender into Pennsylvania of 374, with $78M across 293 loans, 0.6% of everything approved in the state (The Huntington National Bank leads with $747M). 9 of its 15 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Lackawanna, PA$43M1st of 6219.2%-1.1 pts
Luzerne, PA$14M2nd of 716.8%-4.5 pts
Monroe, PA$6M6th of 674.3%quiet FY2022
Northampton, PA$4M22nd of 901.6%-4.4 pts
Columbia, PA$3M2nd of 2314.5%quiet FY2016
Bucks, PA$2M69th of 1400.2%quiet FY2021
Wayne, PA$2M10th of 344.1%quiet FY2021
Lehigh, PA$2M45th of 870.5%thin
Schuylkill, PA$1M16th of 391.7%quiet FY2021
Warren, NJ$833K31st of 680.7%thin
Cape May, NJ$560K55th of 670.2%quiet FY2021
Washington, PA$450K36th of 600.2%thin
Wyoming, PA$444K12th of 202.9%quiet FY2022
2 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services93$21M26.6%0.03%375th of 2,596
Retail trade50$17M21.6%0.03%342nd of 2,589
Health care & social assistance17$7M8.8%0.01%465th of 2,172
Professional & technical services22$6M8.0%0.02%386th of 1,955
Other services23$5M6.3%0.01%541st of 2,248
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and Fidelity Deposit
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans FD Fidelity Deposit and Discount Bank 0.6% $78M · 293 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Fidelity DepositRankCohort median
Total CRE against capital, the 300% screen188%5th of 12204%
Construction against capital, the 100% screen32%4th of 1249%
Construction and land development, share of loans4.5%4th of 126.4%
Non-owner-occupied nonfarm nonresidential, share of loans19.0%8th of 1216.8%
Total CRE, the guidance definition, share of loans26.4%6th of 1229.1%
CRE growth over 36 months, the third prong+47.0%5th of 12+59.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Fidelity Deposit & Discount Bank$2.97B1.1%58.5%0.08%0.01%1.0%81.6%8.5%
Nextier Bank National Association$2.93B1.4%50.9%1.49%0.00%1.1%86.8%10.6%
Wayne Bank$2.91B1.0%63.9%1.21%0.17%1.1%89.4%9.3%
Meridian Bank$2.59B0.8%64.5%3.68%0.93%1.0%101.5%9.6%
Somerset Trust Co.$2.47B1.1%66.3%1.49%0.12%1.3%81.3%8.1%
Ephrata National Bank$2.39B1.0%71.4%0.54%0.04%1.1%82.7%9.4%
QNB Bank$2.37B0.7%71.5%0.61%0.00%0.7%82.9%8.8%
Farmers & Merchants Trust Chamber$2.34B1.2%60.1%1.10%0.07%1.4%83.8%8.3%
Kish Bank$2.08B1.2%61.3%0.57%0.03%0.7%117.3%8.4%
Bank of Bird-in-hand$1.91B1.2%52.6%0.19%0.00%0.6%103.4%9.6%
Embassy Bank Lehigh Valley$1.86B0.9%59.0%0.05%0.00%0.9%77.7%6.9%
Journey Bank$1.67B1.7%51.7%0.74%0.03%0.8%84.2%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Fidelity DepositCohort median
20212026Change20212026Change
Loans$1.13B$2.09B+84%$1.07B$1.73B+62%
Deposits$1.76B$2.56B+46%$1.39B$2.01B+44%
NPA / loans0.28%0.08%-0.20 pts0.43%0.67%+0.24 pts
Efficiency55.4%58.5%+3.0 pts61.1%60.7%-0.4 pts
ROA1.36%1.13%-0.23 pts1.05%1.13%+0.09 pts

This read was prepared for Fidelity Deposit & Discount Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Fidelity Deposit & Discount Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $1B to $3B
Institution www.bankatfidelity.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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