# EDGAR Filing Document

**Accession Number:** 0001098151
**File Stem:** 0001437749-23-007460
**Filing Date:** 2023-3
**Character Count:** 37751
**Document Hash:** e13c2efe6b0a913d36c58054054cda21
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001437749-23-007460.hdr.sgml**: 20230322

**ACCESSION NUMBER**: 0001437749-23-007460

**CONFORMED SUBMISSION TYPE**: ARS

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230322

**DATE AS OF CHANGE**: 20230322

**EFFECTIVENESS DATE**: 20230322

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FIDELITY D & D BANCORP INC
- **CENTRAL INDEX KEY:** 0001098151
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **IRS NUMBER:** 233017653
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ARS
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-38229
- **FILM NUMBER:** 23751637

**BUSINESS ADDRESS:**
- **STREET 1:** BLAKELY & DRINKER STREETS
- **CITY:** DUNMORE
- **STATE:** PA
- **ZIP:** 18512
- **BUSINESS PHONE:** 5703428281

**MAIL ADDRESS:**
- **STREET 1:** BLAKELY & DRINKER STREETS
- **CITY:** DUNMORE
- **STATE:** PA
- **ZIP:** 18512

### Attached PDF Documents

**Attachment 1:** `formars.pdf`

![img-0.jpeg](img-0.jpeg)

# BeCause$^{the}$

FIDELITY D&D BANCORP, INC. 2022 ANNUAL REPORT

KATELYN ABRAHAM KELLY ADAMS JOHNATHAN AHBIZ MILLER STEPHANIE ALESIA DEBRA ALIMENTI ENERIA ALMONTE BRENDA ANDES ALICIA ANGELO SABRINA ARMBRUSTER PAUL JOHN ARVAY JAMES ATER MICHELLE ALLO ANGELA BABO NICHOLAS BADER TRACY BARBER RYAN BARNIGHT LORI BARRETT RACHEL BARROUK ALYSSA BARTOLI ROSA BARTOLUCCI LAURA BEARBY CADE BEKANICH EILEEN BELL DARIA BENEDICT CIERRA BENTON AMANDA BIRCH MARY LYNN BLASI DANA BLOOM JENNIFER BLUMER JILLIAN BOCHNOVICH LISA BOGUMIL PATRICK BOLES MARIA BONIN MATTHEW BONNER ADAM BRESENZER AMBER BREZNA JALEN BRIDGES DEBORA BROWN CONOR BULLARD TIFFANY BURCH GLENN BURGE MARY BURGE DAVID BURGE CYNTHIA CACIOPPO ANTONETTE CALCO CANIO CANTARELLA CARMEN CAPUTO JOSEPH CARLIN DIANE CARNEY MICHELLE CARR BRYANNE CARUSO ALISON CASTELLINO PAULINA CENNI FELICITY CHEE SHARON CIFUENTES FRANK CIMINO DOMINIQUE CLARK SAMANTHA CLARK SERYNA CLEVELAND KRISTI CLEVELAND SANDY CLYMER JUDITH COMERFORD ANTHONY CONSALVO ELISA COSTANTINO CONNIE COUNTERMAN MICHAEL COURY RONA COVALESKY ROSEMARIE COYNE ADAM CRAHALL SARAH CREWS LAWRENCE CRIMI DEBRA CRONALIER LESLY CULKIN PATRICIA CURLEY GEORGE CZALKOWSKI MARY DAUBERT SCOTT DAVENPORT ANGELO DECEASARIS SALVATORE DEFRANCESCO KATHLEEN DELEO MARGARET DERMODY MICHAEL DESARRO CANDACE DEKHEIMER TYLENE DODGE DANIELA DOMINGUES CYNTHIA DOPKO SONYA DOWLING NOELLE DRAGO ALLISON DUFFY DEREK DUNSTONE LORIANN EDWARDS MARYANN ELLIFSSEN MADOLYN EMICK VIRGINIA ERNST ROBERT FARRELL WILLIAM FENNIE JOHN FERRET SHANAY FIGUEROA LORALEE FREEMAN JOANN FULLER LAWLESS CLAUDIA GARCIA CAREY GARVEY ELIZABETH GILGALLOW DENISE GIODAIA RACHEL GOODWIN JOSHUA GORTON AARON GORYE ELIZABETH GRAHAM CONNIE GREENAMOYER JAIME GREENFIELD ELLIS GRELLA JOHN GROCKOWSKI KRISTIN GROW RENEE GRUBE MARGARITA GUERRERO SHAWNA HALLEY LOGAN HANSMAN ALYHA HARRIS MICHELLE HAUSMANN CASEY HENSHAW ADAM HIGGINS CAROL HILTON THERESA HINTON NEIL HOCKENBERRY DAVID HOFFNER MELINDA HOFFNER CHRISTINA HOLMAN ROBERT HOOPER DENA HUGHES SUSAN HYNDS AMR ISMAIL DELBERT JAMES CHRISTA JENNINGS JILLIAN JEQUIT MARK JOBES CANDICE JOHNSON LINDA JOHNSON DRAGAN JOKIC NICOLE JONES NICOLE JUDGE CLINT KAKALECK DONNA KANE LINA KANJUK MICHAEL KARPOVICH ALYSSA KAUFFMAN HEATHER KAZINETZ ELIZABETH KELLY SANDRA KENNEDY VIRGINIA KIELAR DOREEN KILSTROM SARAH KLINE SARAH KNOBLE MARY KONDASH NOELLE KREMPASKY GEETHA KUMAR SUSAN LABAR KELLEY LAIRD MARIANE LANK BRIAR LAURITO MARIA LAWLER DIANE LAYMAN ALYSSA LEHR JODY LEWIS KRISTA LIBERSKI JESSE LICK LISA LILLY BRYAN LOFTUS REBEKKAH LUCAS SUSAN MAE LUCAS ASHLEY LUKIE LAUREN LUONGO ELIZABETH MACARTHUR WILLIAM MALITSCH MICHAEL MARINELLI MARY ANN MARRANCA KATELYN MARTIN KELLY ANN MARTY COURTNEY MAZZEI TRINITY MCANDREW WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK RYAN MCGOWAN CHARONDI MOVER MICHELLE MOMASTER MARY MONICHOLS JAMIE MCRDY CONSTANCE MIHALICK KATHRYNIE MILLER LISA MINOR ERIC MONTELLA MICHELE MOON THOMAS MOORE DONNA MUR SHARON MULLANEY RICHARD MULLEN LIRIKA NASHIR RYAN NORK TARYN NORTON CHRISTOPHER OBRIEN TIMOTHY OBRIEN JAMES OBRIEN THOMAS OMLLEY NAN ORREGO DIANE PACOVICH MICHAEL PACYNA CHRISTOPHER PAGANO ZACHARY PANTEL NICHOLAS PARISE JOHN PASH CHERISSE PEATEN STEPHEN PELLESCHI RHETT PERDEW CARLOS PEREZ GUTIERREZ DAVENE PERRUSO CAROL PETLISKI JOANNE PEZZUTI HANNAH PIERRE JEFFREY PISARCK ANTONETTE PORPIGLIA AMANDA POTRZUSKI BREAMNA POWERS CARMELLA PRINGLE AUZIRO NOELLE PRISCO PAULA PROVENZANO KATELYN QUIRICO JEFFREY RAKE CARLO RAMELAH DEBORAH RATUSZKY MARY REID KAREN RENFER ELLEN RENFER KATHRYN RICHARDS ROBERT RILEY ANNA MARIA RITTLE MELISSA ROBINSON ANVELI RODRIGUEZ KRISTOPHER ROGERS THERESA ROGINSKI SHERRY ROHL KATHY ROSKOS SADIE ROTH MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE TODD SAAB MELISSA SADAKA MICHELE SANTANIELLO DANIEL SANTANIELLO AVERY SCHAVONE MICHELE SCHMIDT KEVIN SCOTCH ALYSSON SELIGA KATELYN SHAVER SHARON SHEPERS JUSTINE SHERMAN MADISON SICKLER WAYNE SILVUS KELLEAH SIMONSON MARTIN SKODOCSK DANA SLATER MORGAN SLEDZINSKI CHRIS SLEDZINSKI KATHLEEN SOLSMAN SHIRLEY STEELE KELLY STERIMETZ WILLIAM STEVENS MATTHEW STRONEY REBEKKAH TASKER KRISTI THOMAS KATHLEEN TIMLIN HEENA TOLANI JOSEPH TOMKO ASHLEY TOMKO LAURA TORRES NICHOLAS TRAINO DYDYNA TRANGUCHI AMY TRENTLY JAMES TRESSLER COLLEEN TUNIS JILL VALENTINI ZOLA VALERIO CHRISTINE VALIANO SCARLET VANNAN MARIA VERA NICOLAS VLACICH ALEXANDER VOLZ EUGENE WALSH ERIN WALSH LACEY WALSH SUSAN WEAVER TYLER WHITMORE JOHN WILLIAMS ADAM WILLIAMS GRACE WINGLER LINDA WISHARD ISABEL WOLK SHEILA WOOD HANNAH WOOLF LYNN WORMUTH GEORGE YAKUBISH KUN YANG NICOLE YAZINSKI DEBORAH PEARING THOMAS ZABRESKY JOANNE ZARICK ANTHONY ZOLIN KATELYN ABRAHAM KELLY ADAMS JOHNATHAN AHBIZ MILLER STEPHANIE ALESIA DEBRA ALIMENTI ENERIA ALMONTE BRENDA ANDES ALICIA ANGELO SABRINA ARMBRUSTER PAUL JOHN ARVAY JAMES ATER MICHELLE ALLO ANGELA BABO NICHOLAS BADER TRACY BARBER RYAN BARNIGHT LORI BARRETT RACHEL BARROUK ALYSSA BARTOLI ROSA BARTOLUCCI LAURA BEARBY CADE BEKANICH EILEEN BELL DARIA BENEDICT CIERRA BENTON AMANDA BIRCH MARY LYNN BLASI DANA BLOOM JENNIFER BLUMER JILLIAN BOCHNOVICH LISA BOGUMIL PATRICK BOLES MARIA BONIN MATTHEW BONNER ADAM BRESENZER AMBER BREZNA JALEN BRIDGES DEBORA BROWN CONOR BULLARD TIFFANY BURCH GLENN BURGE MARY BURGE DAVID BURGE CYNTHIA CACIOPPO ANTONETTE CALCO CANIO CANTARELLA CARMEN CAPUTO JOSEPH CARLIN DIANE CARNEY MICHELLE CARR BRYANNE CARUSO ALISON CASTELLINO PAULINA CENNI FELICITY CHEE SHARON CIFUENTES FRANK CIMINO DOMINIQUE CLARK SAMANTHA CLARK SERYNA CLEVELAND KRISTI CLEVELAND SANDY CLYMER JUDITH COMERFORD ANTHONY CONSALVO ELISA COSTANTINO CONNIE COUNTERMAN MICHAEL COURY RONA COVALESKY ROSEMARIE COYNE ADAM CRAHALL SARAH CREWS LAWRENCE CRIMI DEBRA CRONALIER LESLY CULKIN PATRICIA CURLEY GEORGE CZALKOWSKI MARY DAUBERT SCOTT DAVENPORT ANGELO DECEASARIS SALVATORE DEFRANCESCO KATHLEEN DELEO MARGARET DERMODY MICHAEL DESARRO CANDACE DEKHEIMER TYLENE DODGE DANIELA DOMINGUES CYNTHIA DOPKO SONYA DOWLING NOELLE DRAGO ALLISON DUFFY DEREK DUNSTONE LORIANN EDWARDS MARYANN ELLIFSSEN MADOLYN EMICK VIRGINIA ERNST ROBERT FARRELL WILLIAM FENNIE JOHN FERRET SHANAY FIGUEROA LORALEE FREEMAN JOANN FULLER LAWLESS CLAUDIA GARCIA CAREY GARVEY ELIZABETH GILGALLOW DENISE GIODAIA RACHEL GOODWIN JOSHUA GORTON AARON GORYE ELIZABETH GRAHAM CONNIE GREENAMOYER JAIME GREENFIELD ELLIS GRELLA JOHN GROCKOWSKI KRISTIN GROW RENEE GRUBE MARGARITA GUERRERO SHAWNA HALLEY LOGAN HANSMAN ALYHA HARRIS MICHELLE HAUSMANN CASEY HENSHAW ADAM HIGGINS CAROL HILTON THERESA HINTON NEIL HOCKENBERRY DAVID HOFFNER MELINDA HOFFNER CHRISTINA HOLMAN ROBERT HOOPER DENA HUGHES SUSAN HYNDS AMR ISMAIL DELBERT JAMES CHRISTA JENNINGS JILLIAN JEQUIT MARK JOBES CANDICE JOHNSON LINDA JOHNSON DRAGAN JOKIC NICOLE JONES NICOLE JUDGE CLINT KAKALECK DONNA KANE LINA KANJUK MICHAEL KARPOVICH ALYSSA KAUFFMAN HEATHER KAZINETZ ELIZABETH KELLY SANDRA KENNEDY VIRGINIA KIELAR DOREEN KILSTROM SARAH KLINE SARAH KNOBLE MARY KONDASH NOELLE KREMPASKY GEETHA KUMAR SUSAN LABAR KELLEY LAIRD MARIANE LANK BRIAR LAURITO MARIA LAWLER DIANE LAYMAN ALYSSA LEHR JODY LEWIS KRISTA LIBERSKI JESSE LICK LISA LILLY BRYAN LOFTUS REBEKKAH LUCAS SUSAN MAE LUCAS ASHLEY LUKIE LAUREN LUONGO ELIZABETH MACARTHUR WILLIAM MALITSCH MICHAEL MARINELLI MARY ANN MARRANCA KATELYN MARTIN KELLY ANN MARTY COURTNEY MAZZEI TRINITY MCANDREW WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK RYAN MCGOWAN CHARONDI MOVER MICHELLE MOMASTER MARY MONICHOLS JAMIE MCRDY CONSTANCE MIHALICK KATHRYNIE MILLER LISA MINOR ERIC MONTELLA MICHELE MOON THOMAS MOORE DONNA MUR SHARON MULLANEY RICHARD MULLEN LIRIKA NASHIR RYAN NORK TARYN NORTON CHRISTOPHER OBRIEN TIMOTHY OBRIEN JAMES OBRIEN THOMAS OMLLEY NAN ORREGO DIANE PACOVICH MICHAEL PACYNA CHRISTOPHER PAGANO ZACHARY PANTEL NICHOLAS PARISE JOHN PASH CHERISSE PEATEN STEPHEN PELLESCHI RHETT PERDEW CARLOS PEREZ GUTIERREZ DAVENE PERRUSO CAROL PETLISKI JOANNE PEZZUTI HANNAH PIERRE JEFFREY PISARCK ANTONETTE PORPIGLIA AMANDA POTRZUSKI BREAMNA POWERS CARMELLA PRINGLE AUZIRO NOELLE PRISCO PAULA PROVENZANO KATELYN QUIRICO JEFFREY RAKE CARLO RAMELAH DEBORAH RATUSZKY MARY REID KAREN RENFER ELLEN RENFER KATHRYN RICHARDS ROBERT RILEY ANNA MARIA RITTLE MELISSA ROBINSON ANVELI RODRIGUEZ KRISTOPHER ROGERS THERESA ROGINSKI SHERRY ROHL KATHY ROSKOS SADIE ROTH MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE TODD SAAB MELISSA SADAKA MICHELE SANTANIELLO DANIEL SANTANIELLO AVERY SCHAVONE MICHELE SCHMIDT KEVIN SCOTCH ALYSSON SELIGA KATELYN SHAVER SHARON SHEPERS JUSTINE SHERMAN MADISON SICKLER WAYNE SILVUS KELLEAH SIMONSON MARTIN SKODOCSK DANA SLATER MORGAN SLEDZINSKI CHRIS SLEDZINSKI KATHLEEN SOLSMAN SHIRLEY STEELE KELLY STERIMETZ WILLIAM STEVENS MATTHEW STRONEY REBEKKAH TASKER KRISTI THOMAS KATHLEEN TIMLIN HEENA TOLANI JOSEPH TOMKO ASHLEY TOMKO LAURA TORRES NICHOLAS TRAINO DYDYNA TRANGUCHI AMY TRENTLY JAMES TRESSLER COLLEEN TUNIS JILL VALENTINI ZOLA VALERIO CHRISTINE VALIANO SCARLET VANNAN MARIA VERA NICOLAS VLACICH ALEXANDER VOLZ EUGENE WALSH ERIN WALSH LACEY WALSH SUSAN WEAVER TYLER WHITMORE JOHN WILLIAMS ADAM WILLIAMS GRACE WINGLER LINDA WISHARD ISABEL WOLK SHEILA WOOD HANNAH WOOLF LYNN WORMUTH GEORGE YAKUBISH KUN YANG NICOLE YAZINSKI DEBORAH PEARING THOMAS ZABRESKY JOANNE ZARICK ANTHONY ZOLIN KATELYN ABRAHAM KELLY ADAMS JOHNATHAN AHBIZ MILLER STEPHANIE ALESIA DEBRA ALIMENTI ENERIA ALMONTE BRENDA ANDES ALICIA ANGELO SABRINA ARMBRUSTER PAUL JOHN ARVAY JAMES ATER MICHELLE ALLO ANGELA BABO NICHOLAS BADER TRACY BARBER RYAN BARNIGHT LORI BARRETT RACHEL BARROUK ALYSSA BARTOLI ROSA BARTOLUCCI LAURA BEARBY CADE BEKANICH EILEEN BELL DARIA BENEDICT CIERRA BENTON AMANDA BIRCH MARY LYNN BLASI DANA BLOOM JENNIFER BLUMER JILLIAN BOCHNOVICH LISA BOGUMIL PATRICK BOLES MARIA BONIN MATTHEW BONNER ADAM BRESENZER AMBER BREZNA JALEN BRIDGES DEBORA BROWN CONOR BULLARD TIFFANY BURCH GLENN BURGE MARY BURGE DAVID BURGE CYNTHIA CACIOPPO ANTONETTE CALCO CANIO CANTARELLA CARMEN CAPUTO JOSEPH CARLIN DIANE CARNEY MICHELLE CARR BRYANNE CARUSO ALISON CASTELLINO PAULINA CENNI FELICITY CHEE SHARON CIFUENTES FRANK CIMINO DOMINIQUE CLARK SAMANTHA CLARK SERYNA CLEVELAND KRISTI CLEVELAND SANDY CLYMER JUDITH COMERFORD ANTHONY CONSALVO ELISA COSTANTINO CONNIE COUNTERMAN MICHAEL COURY RONA COVALESKY ROSEMARIE COYNE ADAM CRAHALL SARAH CREWS LAWRENCE CRIMI DEBRA CRONALIER LESLY CULKIN PATRICIA CURLEY GEORGE CZALKOWSKI MARY DAUBERT SCOTT DAVENPORT ANGELO DECEASARIS SALVATORE DEFRANCESCO KATHLEEN DELEO MARGARET DERMODY MICHAEL DESARRO CANDACE DEKHEIMER TYLENE DODGE DANIELA DOMINGUES CYNTHIA DOPKO SONYA DOWLING NOELLE DRAGO ALLISON DUFFY DEREK DUNSTONE LORIANN EDWARDS MARYANN ELLIFSSEN MADOLYN EMICK VIRGINIA ERNST ROBERT FARRELL WILLIAM FENNIE JOHN FERRET SHANAY FIGUEROA LORALEE FREEMAN JOANN FULLER LAWLESS CLAUDIA GARCIA CAREY GARVEY ELIZABETH GILGALLOW DENISE GIODAIA RACHEL GOODWIN JOSHUA GORTON AARON GORYE ELIZABETH GRAHAM CONNIE GREENAMOYER JAIME GREENFIELD ELLIS GRELLA JOHN GROCKOWSKI KRISTIN GROW RENEE GRUBE MARGARITA GUERRERO SHAWNA HALLEY LOGAN HANSMAN ALYHA HARRIS MICHELLE HAUSMANN CASEY HENSHAW ADAM HIGGINS CAROL HILTON THERESA HINTON NEIL HOCKENBERRY DAVID HOFFNER MELINDA HOFFNER CHRISTINA HOLMAN ROBERT HOOPER DENA HUGHES SUSAN HYNDS AMR ISMAIL DELBERT JAMES CHRISTA JENNINGS JILLIAN JEQUIT MARK JOBES CANDICE JOHNSON LINDA JOHNSON DRAGAN JOKIC NICOLE JONES NICOLE JUDGE CLINT KAKALECK DONNA KANE LINA KANJUK MICHAEL KARPOVICH ALYSSA KAUFFMAN HEATHER KAZINETZ ELIZABETH KELLY SANDRA KENNEDY VIRGINIA KIELAR DOREEN KILSTROM SARAH KLINE SARAH KNOBLE MARY KONDASH NOELLE KREMPASKY GEETHA KUMAR SUSAN LABAR KELLEY LAIRD MARIANE LANK BRIAR LAURITO MARIA LAWLER DIANE LAYMAN ALYSSA LEHR JODY LEWIS KRISTA LIBERSKI JESSE LICK LISA LILLY BRYAN LOFTUS REBEKKAH LUCAS SUSAN MAE LUCAS ASHLEY LUKIE LAUREN LUONGO ELIZABETH MACARTHUR WILLIAM MALITSCH MICHAEL MARINELLI MARY ANN MARRANCA KATELYN MARTIN KELLY ANN MARTY COURTNEY MAZZEI TRINITY MCANDREW WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK RYAN MCGOWAN CHARONDI MOVER MICHELLE MOMASTER MARY MONICHOLS JAMIE MCRDY CONSTANCE MIHALICK KATHRYNIE MILLER LISA MINOR ERIC MONTELLA MICHELE MOON THOMAS MOORE DONNA MUR SHARON MULLANEY RICHARD MULLEN LIRIKA NASHIR RYAN NORK TARYN NORTON CHRISTOPHER OBRIEN TIMOTHY OBRIEN JAMES OBRIEN THOMAS OMLLEY NAN ORREGO DIANE PACOVICH MICHAEL PACYNA CHRISTOPHER PAGANO ZACHARY PANTEL NICHOLAS PARISE JOHN PASH CHERISSE PEATEN STEPHEN PELLESCHI RHETT PERDEW CARLOS PEREZ GUTIERREZ DAVENE PERRUSO CAROL PETLISKI JOANNE PEZZUTI HANNAH PIERRE JEFFREY PISARCK ANTONETTE PORPIGLIA AMANDA POTRZUSKI BREAMNA POWERS CARMELLA PRINGLE AUZIRO NOELLE PRISCO PAULA PROVENZANO KATELYN QUIRICO JEFFREY RAKE CARLO RAMELAH DEBORAH RATUSZKY MARY REID KAREN RENFER ELLEN RENFER KATHRYN RICHARDS ROBERT RILEY ANNA MARIA RITTLE MELISSA ROBINSON ANVELI RODRIGUEZ KRISTOPHER ROGERS THERESA ROGINSKI SHERRY ROHL KATHY ROSKOS SADIE ROTH MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE TODD SAAB MELISSA SADAKA MICHELE SANTANIELLO DANIEL SANTANIELLO AVERY SCHAVONE MICHELE SCHMIDT KEVIN SCOTCH ALYSSON SELIGA KATELYN SHAVER SHARON SHEPERS JUSTINE SHERMAN MADISON SICKLER WAYNE SILVUS KELLEAH SIMONSON MARTIN SKODOCSK DANA SLATER MORGAN SLEDZINSKI CHRIS SLEDZINSKI KATHLEEN SOLSMAN SHIRLEY STEELE KELLY STERIMETZ WILLIAM STEVENS MATTHEW STRONEY REBEKKAH TASKER KRISTI THOMAS KATHLEEN TIMLIN HEENA TOLANI JOSEPH TOMKO ASHLEY TOMKO LAURA TORRES NICHOLAS TRAINO DYDYNA TRANGUCHI AMY TRENTLY JAMES TRESSLER COLLEEN TUNIS JILL VALENTINI ZOLA VALERIO CHRISTINE VALIANO SCARLET VANNAN MARIA VERA NICOLAS VLACICH ALEXANDER VOLZ EUGENE WALSH ERIN WALSH LACEY WALSH SUSAN WEAVER TYLER WHITMORE JOHN WILLIAMS ADAM WILLIAMS GRACE WINGLER LINDA WISHARD ISABEL WOLK SHEILA WOOD HANNAH WOOLF LYNN WORMUTH GEORGE YAKUBISH KUN YANG NICOLE YAZINSKI DEBORAH PEARING THOMAS ZABRESKY JOANNE ZARICK ANTHONY ZOLIN KATELYN ABRAHAM KELLY ADAMS JOHNATHAN AHBIZ MILLER STEPHANIE ALESIA DEBRA ALIMENTI ENERIA ALMONTE BRENDA ANDES ALICIA ANGELO SABRINA ARMBRUSTER PAUL JOHN ARVAY JAMES ATER MICHELLE ALLO ANGELA BABO NICHOLAS BADER TRACY BARBER RYAN BARNIGHT LORI BARRETT RACHEL BARROUK ALYSSA BARTOLI ROSA BARTOLUCCI LAURA BEARBY CADE BEKANICH EILEEN BELL DARIA BENEDICT CIERRA BENTON AMANDA BIRCH MARY LYNN BLASI DANA BLOOM JENNIFER BLUMER JILLIAN BOCHNOVICH LISA BOGUMIL PATRICK BOLES MARIA BONIN MATTHEW BONNER ADAM BRESENZER AMBER BREZNA JALEN BRIDGES DEBORA BROWN CONOR BULLARD TIFFANY BURCH GLENN BURGE MARY BURGE DAVID BURGE CYNTHIA CACIOPPO ANTONETTE CALCO CANIO CANTARELLA CARMEN CAPUTO JOSEPH CARLIN DIANE CARNEY MICHELLE CARR BRYANNE CARUSO ALISON CASTELLINO PAULINA CENNI FELICITY CHEE SHARON CIFUENTES FRANK CIMINO DOMINIQUE

BeCause | FIDELITY D&D BANCORP, INC. 2022 ANNUAL REPORT

# MESSAGE TO OUR VALUED SHAREHOLDERS:

*The Board of Directors and Fidelity Bankers are very pleased to report that the Company ended the year with net income of $30.0 million, an increase of 25% over 2021, or $5.29 diluted earnings per share of common stock.*

**S**trong growth in loans, deposits, and non-interest income produced exceptional shareholder value generated by the Fidelity Bankers' ongoing commitment to deliver an extraordinary banking experience and to create financial success for all key stakeholders.

# **Strong and Growing Results**

A continued focus on the execution of the Bank's strategic plan for long-term, sustainable shareholder growth has resulted in record financial results. This has increased Fidelity Bank's already strong regulatory capital position and has made it possible to increase dividend payments to shareholders for eight consecutive years.

The acquisition of Landmark Bancorp, Inc. during the third quarter of 2021 generated the successful execution of key strategic initiatives and synergies, resulting in growth in the Company's earning assets and contributing to the growth in net interest income, which increased 17% from $61.8 million for 2021 to $72.3 million for 2022.

# **Fueling Community Prosperity**

As a community bank, Fidelity Bank believes strongly in its purpose-contributing positively to the strength and vitality of the communities it serves. By making meaningful investments, the Bank is able to provide the time, talent, and treasure needed to fuel prosperity.

One of the strongest illustrations of this is the Bank's ability to help fulfill the dream of home ownership. In 2022, Fidelity Bank originated over $165 million in residential mortgage loans, helping to put 590 families into their dream homes. Fidelity Bank remains the number one bank in mortgage lending in Northeastern Pennsylvania. Fidelity Bankers have fully embraced this purpose, consistently providing the knowledge, insight, and capital resources needed to help local businesses grow and to assist individuals and families to build financial security. Additionally, Fidelity Bank Wealth Management's team of bankers continues to expand, providing financial solutions to clients who want to both grow and preserve wealth. In 2022, assets under management increased 8.9% to over $737 million.

To further help communities become sustainable, Fidelity Bankers are encouraged to take leadership roles in the communities served and are provided volunteer time off to serve the community and causes they are passionate about. In 2022, Fidelity Bankers contributed over 4,100 hours of volunteer time to organizations, working to build stronger, healthier communities.

Fidelity Bank's commitment to sustainability also includes over $1.6 million in donations and sponsorships awarded to local non-profits and community groups in 2022 through

Fidelity Bank and the Fidelity D & D Charitable Foundation. These contributions are helping to support enriched educational experiences for children and youth as well as addressing food insecurity and other critical needs in local communities.

# **Expanding Fidelity Bank's Unique Client Experience**

With the October opening of a state-of-the-art branch in downtown Bethlehem, PA, Fidelity Bank's unique client experience continues to expand in the Lehigh Valley, providing enhanced service to clients in the greater Bethlehem area.

The client experience will also continue to grow in the heart of downtown Scranton with the upcoming relocation of the Bank's headquarters to the historic Scranton Electric Building. Designed to house over 150 corporate bankers, this acquisition will not only restore one of the city's most architecturally significant buildings, it will also help energize the city with new life and revenue. As part of this transition, Fidelity Bank's flagship office at Dunmore Corners will be transformed into a state-of-the-art branch office, offering updated décor as well as a fresh new experience for both clients and borough residents. Boasting a specialty coffee shop, the renovated building will welcome Dunmore residents to gather and enjoy an unmatched banking experience as well as great coffee!

# **Anytime, Anywhere Omni-Channel Banking**

To further enhance the client experience, the Bank continues to look to the future through a strategic plan that aligns its current delivery system, which focuses on being trusted financial advisors to clients, with an updated digital delivery model offering a seamless omni-channel approach. Launched in October, Fidelity Bank's new digital account opening platform allows both retail and business clients to open a myriad of deposit and lending products online. This quick and easy process puts banking in the hands of clients wherever and whenever they wish to bank. In addition, a new appointment setting tool allows clients and prospects to schedule meetings with the banker of their choice at the location of their choice, for a variety of needs. Also launched in 2022, Fidelity Bank's robust new website features a chat function with AI capabilities, shortening the time clients need to wait for answers to the most common questions.

As Fidelity Bank continues to meet clients' expectations, it will also continue making investments into the tools, technology and education needed to serve clients seamlessly and consistently both in branch and online.

# **Investing in Our Bankers**

The Company remains committed to investing in the professional growth,

1

## Continued Success

Real Reserve continues to
cool inflation, and as
staffing shortages, and
of housing costs continue
banking environment,
s regulatory capital and
metrics remain strong.

Bank enters 2023, it is well
continue creating
value. Increases in loans,
net interest margin,
and good expense
has resulted in
earnings growth and
shareholder dividends. In
consistently disciplined
loan underwriting has led
overall asset quality. As of
1, 2022, total past-due and
long loans as a percentage

of total loans maintained at 0.28% -
near historical lows.

Management is confident that the
Bank's resolve to maintain strong asset
quality metrics will continue to protect
the Bank and its shareholders while
producing results that surpass those of
the Bank's peer group.

The Fidelity Bank Board of Directors and
Management understand the
opportunities and challenges ahead and
have positioned the Company to
navigate effectively through the current
global and regional economic climate.
The Bank's balance sheet remains very
healthy, capital levels are well above
regulatory requirements, and the
Fidelity Bank brand stands tall within
the marketplace. Every one of the 300
Fidelity Bankers is committed to moving

the Bank forward through their
expertise and commitment to success.
As the business of banking continues to
evolve, one thing will remain constant -
the Fidelity Bankers' perfect effort
toward building sustainable
relationships with clients, shareholders,
the community, and each other.

Sincerely,

Brian J. Call,
Chairman of the Board

Daniel J. Santaniello,
President and Chief Executive Officer

![img-1.jpeg](img-1.jpeg)

# FINANCIAL HIGHLIGHTS

|  | 2022 |  | 2021 |  | 2020 |  |
| --- | --- | --- | --- | --- | --- | --- |
| (dollars in thousands except per share data) | Amount | % Change | Amount | % Change | Amount | % Change |
| For the Year |  |  |  |  |  |  |
| Net Interest Income | $72,274 | 16.9% | $61,829 | 39.9% | $44,185 | 19.8% |
| Net Income | $30,021 | 25.0% | $24,008 | 84.2% | $13,035 | 85.6% |
| Cash Dividends | $7,709 | 16.7% | $6,608 | 22.9% | $5,376 | 21.1% |
| Return on Average Assets | 1.25% |  | 1.13% |  | 0.87% |  |
| Return on Average Equity | 17.37% |  | 12.69% |  | 9.06% |  |
| Net Interest Margin | 3.28% |  | 3.23% |  | 3.30% |  |
| Per Share |  |  |  |  |  |  |
| Net Income - Diluted | $5.29 | 18.1% | $4.48 | 58.5% | $2.82 | 18.1% |
| Cash Dividends | $1.35 | 9.8% | $1.23 | 7.9% | $1.14 | 9.8% |
| Book Value | $28.94 | -22.8% | $37.50 | 12.0% | $33.40 | -12.8% |
| Average Shares Outstanding | 5,644,599 | 6.1% | 5,321,687 | 16.0% | 4,586,224 | 16.0% |
| At Year End |  |  |  |  |  |  |
| Assets | $2,378,372 | -1.7% | $2,419,104 | 42.3% | $1,699,510 | 42.3% |
| Earning Assets | $2,237,699 | -1.6% | $2,273,652 | 42.9% | $1,590,841 | 42.9% |
| Investment Securities | $643,606 | -12.9% | $738,980 | 88.3% | $392,420 | 88.3% |
| Total Loans & Leases, Net | $1,548,662 | 6.9% | $1,449,231 | 27.7% | $1,135,230 | 27.7% |
| Deposits | $2,166,913 | -0.1% | $2,169,865 | 43.7% | $1,509,505 | 43.7% |
| Borrowings | $20,559 | 93.6% | $10,620 | 112.4% | $5,000 | 112.4% |
| Shareholders' Equity | $162,950 | -23.0% | $211,729 | 27.0% | $166,670 | 27.0% |
| Shares Outstanding | 5,630,794 | -0.3% | 5,645,687 | 13.4% | 4,977,750 | 13.4% |
| Ratios |  |  |  |  |  |  |
| Net Loans to Deposits | 71.47% |  | 66.79% |  | 75.21% |  |
| Non-performing Assets to Total Assets | 0.17% |  | 0.27% |  | 0.39% |  |
| Equity to Assets | 6.85% |  | 8.75% |  | 9.81% |  |
| Tier I Risk-Based Capital | 13.27% |  | 13.40% |  | 15.21% |  |
| Total Risk-Based Capital | 14.35% |  | 14.51% |  | 16.46% |  |

SHIP TEAM

# Cause we

BUILD SUSTAINABLE RELATIONS
DELIVER EXCEPTIONAL CLIENTS
HELP FUEL COMMUNITY PROS
ARE COMMITTED TO SUCCESS

# Cause
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# Cause
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# CAN BIC

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In 1975, Elaine Pivian
becoming among the

Today, Franklin Hill Vins
stores, restaurants, and

Recently, Fidelity Bank
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grapes array of aromas
explains Elaine, proud
won gold at the Los Angeles
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# WAR

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s can choose to receive
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am passionate about-provide
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ANGELO J. DECESARIS
SVP. REGIONAL COMMERCIAL GROUP LLC
FIDELITY BANK

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Cause
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# CAN
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BeCause | FIDELITY D&D BANCORP, INC. 2022 ANNUAL REPORT

## Products & Services

### Consumer Deposit Products

- Start Fresh Checking
- First Step Checking
- Reliance Checking
- Relationship Checking
- Performance Checking
- Platinum Checking
- Money Market Deposit Accounts
- Optimum Choice Savings
- Statement Savings
- Green Team Savings
- Scholar Savings
- IRA Certificates of Deposit (Fixed & Variable Rate)
- IRA Optimum Savings
- Certificates of Deposit
- CDARS/ICS Programs
- Christmas & All Purpose Clubs
- Teen Spending Account

### Consumer Loan Products

- Home Equity Lines of Credit
- Home Equity Installment Loans
- Conventional and Jumbo Mortgages
- Construction Mortgages
- FHA/USDA/VA Mortgages
- Auto Loans
- Personal Loans
- Secured Loans
- Preferred Credit Loans

### Card Services

- Visa® Consumer Debit Card
- Visa® Business Debit Card
- Visa® Credit Card
- Visa® Business Line of Credit Cards
- American Express® Credit Card
- Card Manager
- Digital Wallet
- MasterCard® Business LOC Debit Card
- MasterCard® HELOC Debit Card

### Digital Services

- Mobile Banking
- Mobile Deposit
- Online Banking
- Web Bill Pay
- Electronic Statement Delivery
- Email Alerts & Text Alerts
- Secure Mail
- Online Account Opening
- Telephone Link

### Business Deposit Products and Services

- Business Checking
- Basic Business Checking
- Business Relationship Interest Checking
- Business Analysis Checking
- Community First Non-Profit Checking
- Community First Checking
- Estate Checking
- IOLTA Checking
- Fidelity Multi-Choice Checking
- CDARS/ICS Programs
- Savings Accounts
- Certificates of Deposit
- Money Market Deposit Accounts
- Fidelity Bank at Work Program

### Business Loan Products

- Commercial Loans
- Equipment Loans
- Lines of Credit
- Municipal Loans
- Community Development Loans
- Commercial/Equipment Leasing
- Commercial Mortgages
- Letters of Credit
- Indirect Lending Program

### Special Business Loan Programs

- SBA Loan Programs
- PEBTA Loans
- FHLB - BCB Program
- USDA Loan Programs
- Scranton Industrial Development Company Loan Program
- Tax Incremental Financing Programs
- Pennsylvania Industrial Development Authority

### Business Services Cash Management

- Business Online Banking
- Fidelity Mobile Banking for Business
- Mobile Deposit for Business
- Direct Deposit Services
- Merchant Services Credit Card Processing
- Electronic Funds Receivables & Payables
- Positive Pay Fraud Detection
- Valet Banking Courier Service
- Remote Deposit Capture
- Lock Box
- Zero Balance Accounting (ZBA)
- eGiving (electronic donation/fitting)
- Wire Transfer Services

- Business Sweeps

- Business Bill Pay

- Sweep Line of Credit

### Investment Services*

- Retirement Planning
- College Planning
- Estate Planning
- Exchange Traded Funds (ETFs)
- Life Insurance
- Fixed and Variable Annuities
- Unit Investment Trusts
- Mutual Funds
- Stocks
- Bonds
- Long Term Care Insurance
- 401(k) Plans (Including Solo 401(k) Plans)
- Profit Sharing Plans
- 403(b) Plans
- SEP-IRA Plans
- SMPUE IRA Plans
- *Not FDIC insured. No Bank Guarantee. May Low Value.

### Trust Services

- Personal Trust
- Charitable Trusts
- Special Needs Trusts
- Revocable & Irrevocable Trusts
- Testamentary Trusts
- Estate Settlement & Services
- Endowments
- Guardianships
- Corporate Trust
- Bond Trustee
- Paying Agent
- Institutional Money Management

### Additional Bank Services

- Acceptance of Dunmore Taxes
- Acceptance of Scranton/Lackawanna Taxes
- Acceptance of Elite Revenue Services Delinquent Tax & Levee Payments
- Money Orders & Cashier Checks
- Safe Deposit Box Services
- Acceptance of Lackawanna River Basin Sewer Authority Payments
- Acceptance of Hazleton City Water Authority & Police Fund Payments
- Acceptance of Lower Mount Bethel Sanitation Authority Payments
- Acceptance of Pen Argil Borough Sewer Authority Payments
- Acceptance of Portland Borough Sewer & Water Authority Payments
- Acceptance of Roseto Borough Sewer Authority Payments

## Branch & ATM Locations

### Branch Office and ATM Locations

Fidelity Bank has partnered with MoneyPass, a network of over 37,000 nationwide ATM's

### NEPA Locations

- Abington Office
  131 Morgan Hwy.
  Clarks Summit, PA 18411
  570-586-3212
- Back Mountain Office
  2363 Memorial Hwy.
  Dallas, PA 1862
  570-675-3352
  External ATM at Dallas Shopping Center

- Dunmore Office
  101 N. Blakely St.
  Dunmore, PA 18512
  570-542-8281

- Green Ridge Office
  111 Green Ridge St.
  Scranton, PA 18509
  570-542-5532

- Hazleton Office
  383 S. Poplar St.
  Hazleton, PA 18201
  570-501-7001

- Kingston Office
  247 Wyoming Ave.
  Kingston, PA 18704
  570-538-1019

- Moosic Office
  4010 Birney Ave.
  Moosic, PA 18507
  570-504-0189

- Mountain Top Office
  1 S. Mountain Blvd.
  Mountain Top, PA 18707
  570-403-2297

- Peckville Office
  1518 Main St.
  Peckville, PA 18452
  570-483-3300

- Pittston Office
  225 Kennedy Blvd.
  Pittston, PA 18640
  570-908-0103

- Scranton Financial Center
  338 N. Washington Ave.
  Scranton, PA 18503
  570-504-8001

- West Scranton Office
  400 S. Main Ave.
  Scranton, PA 18504
  570-504-8180

- Wyoming Office
  1000 Wyoming Ave.
  Wyoming, PA 18644
  570-609-5800

### Lehigh Valley Locations

- Bangor Office
  303 Pennsylvania Ave.
  Bangor, PA 18013
  610-588-0983
  (ATM in the parking lot*)
- Bethlehem Office
  44 E. Broad St.
  Bethlehem, PA 18018
  484-241-4464

- Easton Office
  46 Centre Square
  Easton, PA 18042
  610-253-5117

- Lehigh Valley Corporate Center in Forks
  1250 Beaden Blvd.
  Easton, PA 18040
  484-548-6095

- Mount Bethel Office
  2118 Delaware Dr.
  Mount Bethel, PA 18545
  570-897-7650
  (ATM in the parking lot*)

- Nazareth Office
  44 S. Broad St.
  Nazareth, PA 18054
  610-746-3140

- Wind Gap Office
  45 N. Broadway
  Wind Gap, PA 18091
  610-867-2981

### ATM Only Locations

- Antonie's Pizza
  45 Luzerne Ave.
  West Pittston, PA 18643
- Ayers Country Market
  1811 Red Barn Village Rd.
  Clarks Summit, PA 18411
- Dallas Shopping Center
  32 Dallas Shopping Center
  Dallas, PA 1862
- Gino Merli Veterans' Center
  401 Penn Ave.
  Scranton, PA 18503
- Hilton Scranton & Conference Center
  100 Adams Ave.
  Scranton, PA 18503
- Joe's Beerman
  1561 Main St.
  Peckville, PA 18452
- Jik Hair Shop
  408 Main St.
  White Haven, PA 18661
- Market Street Bar & Grill
  225 W. Market St.
  Scranton, PA 18508
- Mountain Plaza
  1137 Moosic St.
  Scranton, PA 18503
- Scranton Cultural Center
  420 N. Washington Ave.
  Scranton, PA 18503
- TJ Mass
  400 Oldfield Rd.
  Pittston, PA 18640
- Wilkes-Barre/Scranton International Airport
  100 Terminal Rd.
  Avoca, PA 18641
- Jummel's Cafe
  916 Marion St.
  Scranton, PA 18509
- Marywood University
  Nazareth Hall,
  McGovern Center, and Learning Commons
  Dunmore, PA 18509

## Wealth Management

### Personal & Corporate Trust, Estate Administration & Investment Services

- 101 N. Blakely St.
  Dunmore, PA 18512
  570-504-2242

- 252 Sunbury St.
  Minersville, PA 17954
  570-504-2250

- Nicholas Parise
  SVP & Director of Wealth Management
  570-518-0102

### Fidelity Asset Management Services at Fidelity Bank

- William P. McAndrew, AIP*
  SVP & Wealth Advisor
  570-504-2242

## Commercial Banking

- Timothy O'Brien
  St. EVP & Chief Business Development Officer
  570-504-2230
- Michael J. Pacyna
  EVP & Chief Lending Officer
  570-504-8005

## Retail Banking

- Michelle J. Carr
  SVP, Director of Retail Banking
  570-504-8083

### Client Care Center

800-388-4380

*Dispense only locations.

This Annual Report may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to various factors. These factors include the possibility that increased demand or prices for the Company's financial services and products may not occur, changing economic, interest sale and competitive conditions, technological developments and other risks and uncertainties, including those detailed in the Company's filings with the Securities and Exchange Commission.

24

# Investor Relations

## Fidelity D & D Bancorp, Inc.

101 N. Blakely St.
Dunmore, PA 18512
(570) 342-8281

We are a public company whose stock is traded on The Nasdaq Global Market, under the symbol FDBC.

## Transfer Agent and Registrar

### Shareholders' Services Provided

- Stock transfer
- Dividend reinvestment plan
- Direct deposit of dividends
- Duplicate mailing notification

Computershare Trust Company, N.A.
P.O. Box 30170
College Station, TX 77842
(877) 282-1168
www.computershare.com

## Shareholder/Investor Inquiries

Requests for information or assistance regarding Fidelity D & D Bancorp, Inc. should be directed to John Pash, Investor Relations Officer, at (570) 504-8007 or john.pash@fddbank.com.

## Market Makers

The following firms are believed to presently make a market in Fidelity D & D Bancorp, Inc. stock on The Nasdaq Global Market, under the symbol FDBC.

### BofA Securities, Inc.

One Bryant Park
New York, NY 10036 USA
(646) 743-2734

### Citadel Securities, LLC

131 South Dearborn St., 32nd Fl.
Chicago, IL 60603
(312) 395-2100

### Cowen and Company, LLC

599 Lexington Ave., 20th Fl.
New York, NY 10022
(646) 562-1010

### D.A. Davidson & Co.

8 Third Street North
Great Falls, MT 59401
(406) 727-4200

### G1 Execution Services, LLC

175 W. Jackson Blvd., Ste. 1700
Chicago, IL 60604
(312) 362-0404

### Goldman Sachs & Co., LLC

200 West St.
New York, NY 10282
(212) 902-1000

### GTS Securities, LLC

545 Madison Ave., 15th Floor
New York, NY 10022
(212) 715-2830

### Hovde Group, LLC

1629 Colonial Parkway
Inverness, IL 60067
(847) 991-6622

### IMC Financial Markets

233 South Wacker Dr. #4300
Chicago, IL 60606
(312) 244-3300

### Janney Montgomery Scott, Inc.

1717 Arch St.
Philadelphia, PA 18103
(215) 665-6000

### Keefe, Bruyette & Woods, Inc.

787 7th Ave., 4th & 5th Flrs.
New York, NY 10019
(212) 887-7777

### Latour Trading, LLC

377 Broadway, 10th Fl.
New York, NY 10013
(917) 388-8000

### Maxim Group, LLC

405 Lexington Ave.
New York, NY 10174
(212) 895-3500

### Morgan Stanley & Co., LLC

1585 Broadway
New York, NY 10036
(212) 761-4000

### Raymond James & Associates, Inc.

880 Carillon Parkway
St. Petersburg, FL 33716
(727) 567-1000

### Stifel, Nicolaus & Company, Inc.

501 North Broadway
St. Louis, MO 63102
(314) 342-2000

### StoneX Financial, Inc.

329 Park Avenue North, Ste. 350
Winter Park, FL 32789
(407) 741-5300

### Susquehanna Securities

401 City Ave., Ste. 220
Bala Cynwyd, PA 19004
(610) 617-2600

### Two Sigma Securities, LLC

101 Avenue of the Americas, 19th Fl.
New York, NY 10013
(212) 625-5700

### UBS Securities, LLC

1285 Avenue of the Americas
New York, NY 10019
(203) 719-3000

### Virtu Americas, LLC

300 Vesey St.
New York, NY 10282
(646) 682-6000

Fidelity BANK
MEMBER FDIC

800 388 4380 | bankatfidelity.com