Short answer
FIDELITY D & D BANCORP INC (FDBC) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $31M (up 12.4% year over year) with net income of $7M.
Q3 2025 key financials · XBRL
- Revenue
- $31M
- +12.4% YoY · +3.1% QoQ
- Net income
- $7M
- +47.9% YoY · +6.1% QoQ
- EPS (diluted)
- $1.27
- +47.7% YoY · +5.8% QoQ
Source: XBRL data from the FIDELITY D & D BANCORP INC (FDBC) Q3 2025 10-Q on SEC EDGAR. USD.
FIDELITY D & D BANCORP INC Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Quarterly net income $7.3M vs $5.0M, up 48% YoY
- Net interest income $18.4M vs $15.4M, up 19% YoY
- Net interest margin 2.95% vs 2.70%; efficiency ratio 60.17% vs 65.33%
- Best-performing line: taxable C&I and CRE loans, interest income $16.1M vs $13.6M
- Outlook: moderately declining rates, with potential additional 25-basis-point December cut; loan growth funded by excess cash and deposits
Risk Factors
- Newly added trade-policy risk triggered by tariffs and potential trade-war escalation
- Agricultural, manufacturing, and retail customers exposed to higher import costs, weaker exports, and supply-chain disruptions
- Credit risk from customer financial stress, potentially increasing loan delinquencies and credit losses
- Market risk from trade tensions, including declining asset values and weakened consumer confidence
- Revenue risk from reduced loan demand, deposit growth, and fee income during local economic deterioration
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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