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