Fidelity D & D Bancorp, Inc.
Annual Report 2022

Plain-text annual report

BeCausethe F I D E L I T Y D & D B A N C O R P, I N C . 2 0 2 2 A N N U A L R E P O R T ““The time is always right to do what is right.” KATELYN ABRAHAM KELLY ADAMS JOHNATHAN AHBEZ MILLER STEPHANIE ALESIA DEBRA ALIMENTI ENERIA ALMONTE BRENDA ANDES ALICIA ANGELO SABRINA ARMBRUSTER PAUL JOHN ARVAY JAMES ATEN MICHELLE AULD ANGELA BABIO NICHOLAS BADER TRACY BARBER RYAN BARHIGHT 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 BREGENZER AMBER BREZNA JALEN BRIDGES DEBORA BROWN CONOR BULLARD TIFFANY BURCH GLENN BURGE MARY BURGE DAVID BURGE CYNTHIA CACIOPPO ANTOINETTE 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 DEREK CRONAUER LESLY CULKIN PATRICIA CURLEY GEORGE CZAJKOWSKI MARY DAUBERT SCOTT DAVENPORT ANGELO DECESARIS SALVATORE DEFRANCESCO KATHLEEN DELEO MARGARET DERMODY MICHAEL DESARRO CANDACE DEXHEIMER TYLENE DODGE DANIELA DOMINGUES CYNTHIA DOPKO SONYA DOWLING NOELLE DRAGO ALLISON DUFFY DEREK DUNSTONE LORIANN EDWARDS MARYANN ELLEFSEN MADOLYN EMICK VIRGINIA ERNST ROBERT FARRELL WILLIAM FENNIE JOHN FERRETT SHANAY FIGUEROA LORALEE FREEMAN JOANN FULLER LAWLESS CLAUDIA GARCIA CAREY GARVEY ELIZABETH GILGALLON DENISE GIOGAIA RACHEL GOODWIN JOSHUA GORTON AARON GORYL ELIZABETH GRAHAM CONNIE GREENAMOYER JAIME GREENFIELD ELIESE GRELLA JOHN GROCHOWSKI KRISTIN GROW RENEE GRUBE MARGARITA GUERRERO SHAWNA HALLEY LOGAN HANSMAN ALYVIA 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 JEZUIT MARK JOBES CANDICE JOHNSON LINDA JOHNSON DRAGAN JOKIC NICOLE JONES NICOLE JUDGE CLINT KAKALECIK DONNA KANE LINA KANUIK MICHAEL KARPOVICH ALYSSA KAUFFMAN HEATHER KAZINETZ ELIZABETH KELLY SANDRA KENNEDY VIRGINIA KIELAR DOREEN KILLSTROM 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 KELLI-ANN MARTY COURTNEY MAZZEI TRINITY MCANDREW WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK RYAN MCGOWAN CHARONDI MCIVER MICHELLE MCMASTER MARY MCNICHOLS JANIE MCROY CONSTANCE MIHALICK KATHRYNE MILLER LISA MINOR ERIC MONTELLA MICHELE MOON THOMAS MOORE DONNA MUIR SHARON MULLANEY RICHARD MULLEN LIRIKA NASHI RYAN NORK TARYN NORTON CHRISTOPHER OBRIEN TIMOTHY OBRIEN JAMES OBRIEN THOMAS OMALLEY IVAN 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 PISARCIK ANTOINETTE PORPIGLIA AMANDA POTRZUSKI BREANNA POWERS CARMELLA PRINGLE-KUZDRO NOELLE PRISCO PAULA PROVENZANO KAYLYN QUIRICO JEFFREY RAKE CARLO RAMELAH DEBORAH RATUSZNY MARY REID KAREN RENFER ELLEN RENFER KATHRYN RICHARDS ROBERT RILEY ANNA MARIA RITTLE MELISSA ROBINSON ANYELI RODRIGUEZ KRISTOPHER ROGERS THERESA ROGINSKI SHERRI ROHL KATHY ROSKOS SADIE ROTH MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE TODD SAAB MELISSA SADAKA MICHELE SANTANIELLO DANIEL SANTANIELLO AVERY SCHIAVONE MICHELE SCHMIDT KEVIN SCOTCH ALLYSON SELIGA KAITLYN SHAVER SHARON SHEPERIS JUSTINE SHERMAN MADISON SICKLER WAYNE SILVIUS KELLEAH SIMONSON MARTIN SKODOCEK DANA SLATER MORGAN SLEDZINSKI CHRIS SLEDZINSKI KATHLEEN SOLSMAN SHIRLEY STEELE KELLY STEINMETZ WILLIAM STEVENS MATTHEW STRONEY REBEKAH TASKER KRISTI THOMAS KATHLEEN TIMLIN HEENA TOLANI JOSEPH TOMKO ASHLEY TOMKO LAURA TORRES NICHOLAS TRAINO DYDYNA TRANGUCH AMY TRENTLY JAMES TRESSLER COLLEEN TUNIS JILL VALENTINI ZOILA VALERIO CHRISTINE VALVANO 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 YAKUBISIN KUN YANG NICOLE YAZINSKI DEBORAH YEARING THOMAS ZABRESKY JOANNE ZARICK ANTHONY ZOLIN KATELYN ABRAHAM KELLY ADAMS JOHNATHAN AHBEZ MILLER STEPHANIE ALESIA DEBRA ALIMENTI ENERIA ALMONTE BRENDA ANDES ALICIA ANGELO SABRINA ARMBRUSTER PAUL JOHN ARVAY JAMES ATEN MICHELLE AULD ANGELA BABIO NICHOLAS BADER TRACY BARBER RYAN BARHIGHT 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 BREGENZER AMBER BREZNA JALEN BRIDGES DEBORA BROWN CONOR BULLARD TIFFANY BURCH GLENN BURGE MARY BURGE DAVID BURGE CYNTHIA CACIOPPO ANTOINETTE 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 DEREK CRONAUER LESLY CULKIN PATRICIA CURLEY GEORGE CZAJKOWSKI MARY DAUBERT SCOTT DAVENPORT ANGELO DECESARIS SALVATORE DEFRANCESCO KATHLEEN DELEO MARGARET DERMODY MICHAEL DESARRO CANDACE DEXHEIMER TYLENE DODGE DANIELA DOMINGUES CYNTHIA DOPKO SONYA DOWLING NOELLE DRAGO ALLISON DUFFY DEREK DUNSTONE LORIANN EDWARDS MARYANN ELLEFSEN MADOLYN EMICK VIRGINIA ERNST ROBERT FARRELL WILLIAM FENNIE JOHN FERRETT SHANAY FIGUEROA LORALEE FREEMAN JOANN FULLER LAWLESS CLAUDIA GARCIA CAREY GARVEY ELIZABETH GILGALLON DENISE GIOGAIA RACHEL GOODWIN JOSHUA GORTON AARON GORYL ELIZABETH GRAHAM CONNIE GREENAMOYER JAIME GREENFIELD ELIESE GRELLA JOHN GROCHOWSKI KRISTIN GROW RENEE GRUBE MARGARITA GUERRERO SHAWNA HALLEY LOGAN HANSMAN ALYVIA 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 JEZUIT MARK JOBES CANDICE JOHNSON LINDA JOHNSON DRAGAN JOKIC NICOLE JONES NICOLE JUDGE CLINT KAKALECIK DONNA KANE LINA KANUIK MICHAEL KARPOVICH ALYSSA KAUFFMAN HEATHER KAZINETZ ELIZABETH KELLY SANDRA KENNEDY VIRGINIA KIELAR DOREEN KILLSTROM 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 MARTIN LUTHER KING JR. 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 KELLI-ANN MARTY COURTNEY MAZZEI TRINITY MCANDREW WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK RYAN MCGOWAN CHARONDI MCIVER MICHELLE MCMASTER MARY MCNICHOLS JANIE MCROY CONSTANCE MIHALICK KATHRYNE MILLER LISA MINOR ERIC MONTELLA MICHELE MOON THOMAS MOORE DONNA MUIR SHARON MULLANEY RICHARD MULLEN LIRIKA NASHI RYAN NORK TARYN NORTON CHRISTOPHER OBRIEN TIMOTHY OBRIEN JAMES OBRIEN THOMAS OMALLEY IVAN 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 PISARCIK ANTOINETTE PORPIGLIA AMANDA POTRZUSKI BREANNA POWERS CARMELLA PRINGLE-KUZDRO NOELLE PRISCO PAULA PROVENZANO KAYLYN QUIRICO JEFFREY RAKE CARLO RAMELAH DEBORAH RATUSZNY MARY REID KAREN RENFER ELLEN RENFER KATHRYN RICHARDS ROBERT RILEY ANNA MARIA RITTLE MELISSA ROBINSON ANYELI RODRIGUEZ KRISTOPHER ROGERS THERESA ROGINSKI SHERRI ROHL KATHY ROSKOS SADIE ROTH MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE TODD SAAB MELISSA SADAKA MICHELE SANTANIELLO DANIEL SANTANIELLO AVERY SCHIAVONE MICHELE SCHMIDT KEVIN SCOTCH ALLYSON SELIGA KAITLYN SHAVER SHARON SHEPERIS JUSTINE SHERMAN MADISON SICKLER WAYNE SILVIUS KELLEAH SIMONSON MARTIN SKODOCEK DANA SLATER MORGAN SLEDZINSKI CHRIS SLEDZINSKI KATHLEEN SOLSMAN SHIRLEY STEELE KELLY STEINMETZ WILLIAM STEVENS MATTHEW STRONEY REBEKAH TASKER KRISTI THOMAS KATHLEEN TIMLIN HEENA TOLANI JOSEPH TOMKO ASHLEY TOMKO LAURA TORRES NICHOLAS TRAINO DYDYNA TRANGUCH AMY TRENTLY JAMES TRESSLER COLLEEN TUNIS JILL VALENTINI ZOILA VALERIO CHRISTINE VALVANO 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 YAKUBISIN KUN YANG NICOLE YAZINSKI DEBORAH YEARING THOMAS ZABRESKY JOANNE ZARICK ANTHONY ZOLIN KATELYN ABRAHAM KELLY ADAMS JOHNATHAN AHBEZ MILLER STEPHANIE ALESIA DEBRA ALIMENTI ENERIA ALMONTE BRENDA ANDES ALICIA ANGELO SABRINA ARMBRUSTER PAUL JOHN ARVAY JAMES ATEN MICHELLE AULD ANGELA BABIO NICHOLAS BADER TRACY BARBER RYAN BARHIGHT 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 BREGENZER AMBER BREZNA JALEN BRIDGES DEBORA BROWN CONOR BULLARD TIFFANY BURCH GLENN BURGE MARY BURGE DAVID BURGE CYNTHIA CACIOPPO ANTOINETTE 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 DEREK CRONAUER LESLY CULKIN PATRICIA CURLEY GEORGE CZAJKOWSKI MARY DAUBERT SCOTT DAVENPORT ANGELO DECESARIS SALVATORE DEFRANCESCO KATHLEEN DELEO MARGARET DERMODY MICHAEL DESARRO CANDACE DEXHEIMER TYLENE DODGE DANIELA DOMINGUES CYNTHIA DOPKO SONYA DOWLING NOELLE DRAGO ALLISON DUFFY DEREK DUNSTONE LORIANN EDWARDS MARYANN ELLEFSEN MADOLYN EMICK VIRGINIA ERNST ROBERT FARRELL WILLIAM FENNIE JOHN FERRETT SHANAY FIGUEROA LORALEE FREEMAN JOANN FULLER LAWLESS CLAUDIA GARCIA CAREY GARVEY ELIZABETH GILGALLON DENISE GIOGAIA RACHEL GOODWIN JOSHUA GORTON AARON GORYL ELIZABETH GRAHAM CONNIE GREENAMOYER JAIME GREENFIELD ELIESE GRELLA JOHN GROCHOWSKI KRISTIN GROW RENEE GRUBE MARGARITA GUERRERO SHAWNA HALLEY LOGAN HANSMAN ALYVIA 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 JEZUIT MARK JOBES CANDICE JOHNSON LINDA JOHNSON DRAGAN JOKIC NICOLE JONES NICOLE JUDGE CLINT KAKALECIK DONNA KANE LINA KANUIK MICHAEL KARPOVICH ALYSSA KAUFFMAN HEATHER KAZINETZ ELIZABETH KELLY SANDRA KENNEDY VIRGINIA KIELAR DOREEN KILLSTROM 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 KELLI-ANN MARTY COURTNEY MAZZEI TRINITY MCANDREW WILLIAM MCANDREW JASON MCCABE KEVIN MCCORMICK RYAN MCGOWAN CHARONDI MCIVER MICHELLE MCMASTER MARY MCNICHOLS JANIE MCROY CONSTANCE MIHALICK KATHRYNE MILLER LISA MINOR ERIC MONTELLA MICHELE MOON THOMAS MOORE DONNA MUIR SHARON MULLANEY RICHARD MULLEN LIRIKA NASHI RYAN NORK TARYN NORTON CHRISTOPHER OBRIEN TIMOTHY OBRIEN JAMES OBRIEN THOMAS OMALLEY IVAN 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 PISARCIK ANTOINETTE PORPIGLIA AMANDA POTRZUSKI BREANNA POWERS CARMELLA PRINGLE-KUZDRO NOELLE PRISCO PAULA PROVENZANO KAYLYN QUIRICO JEFFREY RAKE CARLO RAMELAH DEBORAH RATUSZNY MARY REID KAREN RENFER ELLEN RENFER KATHRYN RICHARDS ROBERT RILEY ANNA MARIA RITTLE MELISSA ROBINSON ANYELI RODRIGUEZ KRISTOPHER ROGERS THERESA ROGINSKI SHERRI ROHL KATHY ROSKOS SADIE ROTH MARY ANN ROUSHEY LORI ROWKER ALAN RUDALAVAGE TODD SAAB MELISSA SADAKA MICHELE SANTANIELLO DANIEL SANTANIELLO AVERY SCHIAVONE MICHELE SCHMIDT KEVIN SCOTCH ALLYSON SELIGA KAITLYN SHAVER SHARON SHEPERIS JUSTINE SHERMAN MADISON SICKLER WAYNE SILVIUS KELLEAH SIMONSON MARTIN SKODOCEK DANA SLATER MORGAN SLEDZINSKI CHRIS SLEDZINSKI KATHLEEN SOLSMAN SHIRLEY STEELE KELLY STEINMETZ WILLIAM STEVENS MATTHEW STRONEY REBEKAH TASKER KRISTI THOMAS KATHLEEN TIMLIN HEENA TOLANI JOSEPH TOMKO ASHLEY TOMKO LAURA TORRES NICHOLAS TRAINO DYDYNA TRANGUCH AMY TRENTLY JAMES TRESSLER COLLEEN TUNIS JILL VALENTINI ZOILA VALERIO CHRISTINE VALVANO 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 YAKUBISIN KUN YANG NICOLE YAZINSKI DEBORAH YEARING THOMAS ZABRESKY JOANNE ZARICK ANTHONY ZOLIN KATELYN ABRAHAM KELLY ADAMS JOHNATHAN AHBEZ MILLER STEPHANIE ALESIA DEBRA ALIMENTI ENERIA ALMONTE BRENDA ANDES ALICIA ANGELO SABRINA ARMBRUSTER PAUL JOHN ARVAY JAMES ATEN MICHELLE AULD ANGELA BABIO NICHOLAS BADER TRACY BARBER RYAN BARHIGHT 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 BREGENZER AMBER BREZNA JALEN BRIDGES DEBORA BROWN CONOR BULLARD TIFFANY BURCH GLENN BURGE MARY BURGE DAVID BURGE CYNTHIA CACIOPPO ANTOINETTE 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 F I D E L I T Y D & D B A N C O R P, I N C . 2 0 2 2 A N N U A L R E P O R T M E S S A G E T O O U R V A L U E D S H A R E H O L D E R S : 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 training, and education of the Fidelity Bankers – the Company’s most valued assets. Their ability to provide trusted financial advice and to build sustainable relationships with clients has differentiated the Fidelity Bank brand in every market it enters, and powered the Bank’s success. Poised for Continued Success As the Federal Reserve continues to take steps to cool inflation, and as supply chain, staffing shortages, and the explosion of housing costs continue to impact the banking environment, Fidelity Bank’s regulatory capital and asset quality metrics remain strong. To continue to expand their knowledge base, Bankers are provided the opportunity to pursue enrichment and position-specific courses that include certifications through Fidelity Bank University. In addition, educational assistance for college tuition is made available to those Bankers interested in pursuing college courses, and all Bankers are provided opportunities to attend industry seminars and webinars. As Fidelity Bank enters 2023, it is well positioned to continue creating shareholder value. Increases in loans, revenue, and net interest margin, combined with good expense management has resulted in meaningful earnings growth and increased shareholder dividends. In addition, a consistently disciplined approach to loan underwriting has led to strong overall asset quality. As of December 31, 2022, total past-due and non-performing 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 BeCause F I D E L I T Y D & D B A N C O R P, I N C . 2 0 2 2 A N N U A L R E P O R T 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. Cali, Chairman of the Board FINANCIAL HIGHLIGHTS Assets (Dollars in millions) Total Loans & Leases, Net (Dollars in millions) Deposits (Dollars in millions) Shareholders’ Equity (Dollars in millions) Net Income (Dollars in millions) Dividends Per Share (Dollars) 2750 2500 2250 2000 1750 1500 1250 1000 950 900 850 800 $2,378 1500 1400 1300 1200 1100 1000 900 800 700 600 500 400 $1,549 2250 2000 1750 1500 1250 1000 900 800 700 600 500 400 $2,167 220 200 180 160 140 120 100 80 60 40 20 10 $163 30 28 26 24 22 18 14 10 $30 1.35 1.30 1.25 1.20 1.15 1.10 1.05 1.00 .95 .90 $1.35 ‘18 ’19 ‘20 ’21 ‘22 ‘18 ’19 ‘20 ’21 ‘22 ‘18 ’19 ‘20 ’21 ‘22 ‘18 ’19 ‘20 ’21 ‘22 ‘18 ’19 ‘20 ’21 ‘22 ‘18 ’19 ‘20 ’21 ‘22 Daniel J. Santaniello, President and Chief Executive Officer (dollars in thousands except per share data) Amount % Change Amount % Change 2022 2021 2020 Amount 2019 Amount 2018 Amount For the Year Net Interest Income emocnI teN Cash Dividends Return on Average Assets Return on Average Equity Net Interest Margin Per Share Net Income - Diluted Cash Dividends eulaV kooB Average Shares Outstanding At Year End stessA Earning Assets Investment Securities Total Loans & Leases, Net stisopeD sgniworroB Shareholders’ Equity $ $ $ $ $ $ $ $ $ $ $ $ $ 72,274 30,021 7,709 1.25% 17.37% 3.28% 5.29 1.35 28.94 16.9% 25.0% 16.7% 18.1% 9.8% -22.8% 5,644,599 6.1% 2,378,372 2,237,699 643,606 1,548,662 2,166,913 20,559 162,950 -1.7% -1.6% -12.9% 6.9% -0.1% 93.6% -23.0% $ $ $ $ $ $ $ $ $ $ $ $ $ 61,829 24,008 6,608 1.13% 12.69% 3.23% 4.48 1.23 37.50 39.9% 84.2% 22.9% 58.5% 7.9% 12.0% 5,321,687 16.0% 2,419,104 2,273,652 738,980 1,449,231 2,169,865 10,620 211,729 42.3% 42.9% 88.3% 27.7% 43.7% 112.4% 27.0% $ $ $ $ $ $ $ $ $ $ $ $ $ 44,185 13,035 5,378 0.87% 9.06% 3.30% 2.82 1.14 33.48 4,586,224 1,699,510 1,590,841 392,420 1,135,236 1,509,505 5,000 166,670 $ $ $ 31,715 11,576 4,037 1.18% 11.49% 3.52% $ $ $ $ $ $ $ $ $ $ 3.03 1.06 28.25 3,779,582 1,009,927 941,960 185,117 745,306 835,737 52,839 106,835 $ $ $ 30,457 11,006 3,708 1.20% 12.36% 3.59% 2.90 0.98 24.89 3,752,704 981,102 920,082 182,810 724,024 770,183 108,070 93,557 $ $ $ $ $ $ $ $ $ $ Shares Outstanding 5,630,794 -0.3% 5,645,687 13.4% 4,977,750 3,781,500 3,759,426 Ratios Net Loans to Deposits Non-performing Assets to Total Assets Equity to Assets Tier I Risk-Based Capital Total Risk-Based Capital 71.47% 0.17% 6.85% 13.27% 14.35% 66.79% 0.27% 8.75% 13.40% 14.51% 75.21% 0.39% 9.81% 15.21% 16.46% 89.18% 0.50% 10.58% 14.51% 15.76% 94.01% 0.64% 9.54% 13.50% 14.75% Board of Directors (L to R): Alan Silverman | Kristin D. O’Donnell | Brian J. Cali, Chairman | Richard M. Hotchkiss | John T. Cognetti, Secretary Daniel J. Santaniello, President and Chief Executive Officer | HelenBeth Garofalo Vilcek | Michael J. McDonald, Vice Chairman Paul C. Woelkers | William J. Joyce 3 S E N I O R L E A D E R S H I P T E A M NICHOLAS A. PARISE SVP & Director of Wealth Management | MICHELLE J. CARR SVP & Director of Retail Banking | TIMOTHY O'BRIEN SEVP & Chief Business Development Officer | DANIEL J. SANTANIELLO President & Chief Executive Officer | MARY T. MCNICHOLS SVP & Director of Human Resources MICHAEL J. PACYNA, JR. EVP & Chief Lending Officer | THERESA HINTON, ESQ., CTFA-SVP & General Counsel | EUGENE J. WALSH EVP & Chief Operating Officer | SALVATORE R. DEFRANCESCO, JR. EVP & Chief Financial Officer | NOELLE KREMPASKY, CFMP VP, Director of Marketing BeCause we BUILD SUSTAINABLE RELATIONSHIPS DELIVER EXCEPTIONAL CLIENT EXPERIENCES HELP FUEL COMMUNITY PROSPERITY ARE COMMITTED TO SUCCESS BeCause we C A R E $ 17 MILLION IN DONATIONS TO OUR COMMUNITIES 4,100 HOURS OF VOLUNTARY TIME OFF you C H A N G E L I V E S Since 1885, The Children's Home of Easton (CHE) has provided safe-haven to the most vulnerable members of the communities it serves–neglected and traumatized children who are unable to remain at home. Recently, the non-profit transferred its operating accounts to Fidelity Bank, and its wealth management account to Fidelity Bank Investments. “We switched to Fidelity Bank because they support us as if we were a Fortune 500,” says Anita Jo Paukovits, CHE Executive Director and President. “If I need someone, I get instant feedback from Fidelity. During the pandemic, they secured a PPP loan to help us cover unexpected expenses. They’ve helped us streamline our processes with new technologies. They make things easy, are always accessible, and they care about the community. They are truly an extension of the Children’s Home.” “The Children’s Home of Easton helped me when there was no other support in my life. I recommend this program to any individual who is struggling.” RAFIA FORMER RESIDENT CHILDREN’S HOME OF EASTON 11 BeCause we C L I M B H I G H E R 99$ 4 MILLION IN LOAN GROWTH “Fidelity Bank has been wonderful to work with. They listen, they care about their clients, and they are extremely supportive.” ELAINE PIVINSKI FOUNDER AND OWNER FRANKLIN HILL VINEYARDS 14 you C A N D R E A M B I G G E R In 1975, Elaine Pivinski set roots in a 35-acre farm in Bangor, becoming among the first wine makers and owners in the state. Today, Franklin Hill Vineyards offers 24 wines, sold and distributed to retail stores, restaurants, and hotels throughout Pennsylvania and New Jersey. Recently, Fidelity Bank provided the winery a loan for the purchase of refrigerated tanks that allow for cool fermentation, preserving the grapes array of aromas and flavors. “The result is a better wine,” explains Elaine, proudly adding that the winery’s “Vidal Blanc” recently won gold at the Los Angeles Invitational, Wine and Spirits Challenge, while its signature wine and number one seller, “Sir Walter’s Red,” ranks among the top ten local wines sold at PLCB stores. “We are very fortunate to have Fidelity Bank on our team,” says Elaine. During the pandemic, when the winery experienced a drop in sales because of COVID restrictions, Fidelity Bank immediately took action to help secure a PPP loan. “Fidelity did what other banks would not–or could not–do,” notes Elaine. “They cut through the red tape and in a matter of days our PPP loan came through–and it was a lifesaver.” “We are always looking ahead,“ adds Elaine, “and Fidelity Bank is right there with us, helping us make the right moves at the right time. They are truly a partner in our business.” BeCause we W E B E L I E V E I N Y O U 25% NET INCOME GROWTH “Being a Fidelity Banker has given me the opportunity to advance my career here at home in Northeast Pennsylvania, while doing something I am passionate about–providing local businesses the advice and capital resources they need to grow, so that our communities can prosper.” ANGELO J. DECESARIS SVP, REGIONAL COMMERCIAL GROUP LEADER FIDELITY BANK you S O A R Fidelity Bankers are the heart of this organization. It is their passion and knowledge that enriches every client experience and sustains the Bank’s growth. To help Fidelity Bankers succeed, the Bank offers ample opportunities for professional growth, in addition to generous benefits and incentives. Bankers interested in pursuing college courses can choose to receive educational assistance for tuition or pursue position specific or enrichment courses, including certifications, through Fidelity Bank University. Bank executives are provided opportunities to energize their leadership trajectory, and all bankers are provided volunteer time off so they can grow in leadership roles within their communities and help communities be sustainable. By investing in Fidelity Bankers and encouraging them to develop to their fullest potential, the Bank will continue to provide every client with a depth of knowledge and professionalism second to none. 18 19 19 BeCause we A C H I E V E 98% INCREASE IN CASH DIVIDENDS “The Fidelity team takes that extra step to understand my needs and to find solutions that allow me to pursue my passions.” DR. LOUIS A. GENELLO D.D.S. 2222 22 you CAN FOLLOW YOUR PASSION For Dr. Louis A. Genello D.D.S. “life begins once you’ve exited your comfort zone.” True to his life philosophy, Dr. Genello has skied Canada’s magnificent Whistler and Blackcomb glaciers, run 25 marathons–including the Boston and New York City Marathons, and he currently pushes the limits of his GT4 Porsche, racing competitively at the prestigious Monticello Motor Club. While enthusiastically pursuing adventure, Dr. Genello is equally passionate about working with a solid team when it comes to business decisions. When his partner recently decided to retire, Dr. Genello sought out Fidelity Bank to provide funding for the stock buyout and for the purchase of the building where the practice is located. Fidelity Bank also helped to automate and streamline his business. “Everything now is online and secure,” says Dr. Genello. “This is a huge time and money saver for my practice. It also frees up more time for me to do the things I love.” BeCause F I D E L I T Y D & D B A N C O R P, I N C . 2 0 2 2 A N N U A L R E P O R T 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 570-558-0612 Fidelity Asset Management Services at Fidelity Bank William P. McAndrew, AIF®             SVP & Wealth Advisor 570-504-2242 Commercial Banking Timothy O’Brien Sr. 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 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 1311 Morgan Hwy. Clarks Summit, PA 18411 570-586-3212 • Back Mountain Office 2363 Memorial Hwy. Dallas, PA 18612 570-675-3332 External ATM at Dallas Shopping Center • Dunmore Office 101 N. Blakely St. Dunmore, PA 18512 570-342-8281 • Green Ridge Office 111 Green Ridge St. Scranton, PA 18509 570-342-5532 • Hazleton Office 383 S. Poplar St. Hazleton, PA 18201 570-501-7001 • Kingston Office 247 Wyoming Ave. Kingston, PA 18704 570-338-0119 • Moosic Office 4010 Birney Ave. Moosic, PA 18507 570-504-0789 • Mountain Top Office 1 S. Mountain Blvd. Mountain Top, PA 18707 570-403-2297 • Peckville Office 1598 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 Braden Blvd. Easton, PA 18040 484-548-6095 • Mount Bethel Office 2118 Delaware Dr. Mount Bethel, PA 18343 570-897-7650 (ATM in the parking lot*) • Nazareth Office 44 S. Broad St. Nazareth, PA 18064 610-746-5140 • Wind Gap Office 45 N. Broadway Wind Gap, PA 18091 610-863-0981 ATM Only Locations • Antonio’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 18612 • 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 • LK Hair Shop 408 Main St. White Haven, PA 18661 • Market Street Bar & Grill 223 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 Maxx 400 Oldfield Rd. Pittston, PA 18640 • Wilkes-Barre/Scranton International Airport 100 Terminal Rd. Avoca, PA 18641 • Zummo’s Café 916 Marion St. Scranton, PA 18509 • Marywood University Nazareth Hall, McGowen Center, and Learning Commons Dunmore, PA 18509 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 Muni-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 * Dispense only locations Special Business Loan Programs • SBA Loan Programs • PEDFA Loans • FHLB – BOB 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/tithing) • Wire Transfer Services • Business Sweeps • Business Bill Pay • Sweep Line of Credit Investment Services* • Retirement Planning • College Planning • Estate Planning • Exchange Traded Funds (ETF’s) • 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 • SIMPLE IRA Plans *Not FDIC insured. No Bank Guarantee. May Lose 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 Argyl Borough Sewer Authority Payments • Acceptance of Portland Borough Sewer & Water Authority Payments • Acceptance of Roseto Borough Sewer Authority Payments 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 rate 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 GTS Securities, LLC 545 Madison Ave., 15th Floor New York, NY 10022 (212) 715-2830 Citadel Securities, LLC 131 South Dearborn St., 32nd Fl. Chicago, IL 60603 (312) 395-2100 Hovde Group, LLC 1629 Colonial Parkway Inverness, IL 60067 (847) 991-6622 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 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 Cowen and Company, LLC 599 Lexington Ave., 20th Fl. New York, NY 10022 (646) 562-1010 IMC Financial Markets 233 South Wacker Dr. #4300 Chicago, IL 60606 (312) 244-3300 Morgan Stanley & Co., LLC 1585 Broadway New York, NY 10036 (212) 761-4000 Two Sigma Securities, LLC 101 Avenue of the Americas, 19th Fl. New York, NY 10013 (212) 625-5700 D.A. Davidson & Co. 8 Third Street North Great Falls, MT 59401 (406) 727-4200 Janney Montgomery Scott, Inc. 1717 Arch St. Philadelphia, PA 18103 (215) 665-6000 G1 Execution Services, LLC 175 W. Jackson Blvd., Ste. 1700 Chicago, IL 60604 (312) 362-0404 Keefe, Bruyette & Woods, Inc. 787 7th Ave., 4th & 5th Flrs. New York, NY 10019 (212) 887-7777 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 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 Goldman Sachs & Co., LLC 200 West St. New York, NY 10282 (212) 902-1000 M E M B E R F D I C 800 388 4380 | bankatfidelity.com 

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