Built
to
last.
F I D E L I T Y D & D B A N C O R P, I N C . 2 0 2 3 A N N U A L R E P O R T
“Success is knowing your purpose in life,
growing to reach your maximum potential,
and sowing seeds that benefit others.”
Katelyn Abraham Kelly Adams Johnathan Ahbez Miller Stephanie Alesia Eneria Almonte Paige Anderson 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 Amanda Birch Mary Lynn Blasi Dana Bloom Jennifer
Blumer Jillian Bochnovich Lisa Bogumil Patrick Boles Adam Bregenzer Amber Brezna Jalen Bridges Melissa Briggs Debora Brown Ashley Bunevitch Tiffany Burch David Burge Antoinette Calco Carmen Caputo Joseph
Carlin Diane Carney Michelle Carr Alison Castellino Felicity Chee Samantha Cicardo Sharon Cifuentes Frank Cimino Samantha Clark Dominique Clark Seryna Cleveland Kristi Cleveland Samya Colon Judith Comerford
Heather Commiso Elisa Costantino Connie Counterman Michael Coury Rona Covalesky Rosemarie Coyne Adam Crahall Lawrence Crimi Derek Cronauer Lesly Culkin Patricia Curley George Czajkowski Scott Davenport
Nadia Davies Angelo DeCesaris Salvatore DeFrancesco Kathleen DeLeo Margaret Dermody Michael DeSarro Candace Dexheimer Tylene Dodge Daniela Domingues Cynthia Dopko Stephanie Dowling Noelle Drago
Allison Duffy Derek Dunstone Loriann Edwards Logan Eisenhart Maryann Ellefsen Virginia Ernst Paul Evans Robert Farrell William Fennie John Ferrett JoAnn Fuller Lawless Claudia Garcia Carey Garvey Jacob George
Nicole Gerrity Elizabeth Gilgallon Rachel Goodwin Joshua Gorton Aaron Goryl Elizabeth Graham Connie Greenamoyer Eliese Grella Judith Griffiths Kristin Grow Renee Grube Arianna Gryziec Margarita Guerrero Shawna
Halley Levi Hannas Michelle Hausmann Casey Henshaw Bethzaida Hernandez Adam Higgins Carol Hilton Theresa Hinton Neil Hockenberry David Hoffner Melinda Hoffner Christina Holman Robert Hooper Haley Houck
Kiana Hubbard Dena Hughes Susan Hynds Amr Ismail Delbert James Christa Jennings Jillian Jezuit Mark Jobes Linda Johnson Candice 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 Vicki Kirkpatrick Elizabeth Kishbach Sarah Kline Sarah Knoble Mary Kondash Joseph Konopke Noelle
Krempasky Susan Labar Jessica Lachance Kelley Laird Mariane Lank Alex Larsen Briar Laurito Maria Lawler Christian Lawler Diane Layman Alyssa Lehr Jody Lewis Krista Liberski Jesse Lick Lisa Lilly Bryan Loftus
Angelo Lombardo Susan Mae Lucas Ashley Lukie Lauren Luongo Owen Lutri Elizabeth MacArthur William Malitsch Patrick Manning Stacy Marino Michael Marion Thomas Maro Mary Ann Marranca Katelyn Martin
Kelli-Ann Marty Courtney Mazzei William McAndrew Jason McCabe Ryan McGowan Michelle McMaster Mary McNichols Janie McRoy Constance Mihalick Kathryne Miller Lisa Minor Kevin Mitchell Eric Montella
Michele Moon Thomas Moore Bianca Morales Jenna Mulherin Sharon Mullaney Lirika Nashi Ryan Nork Kellsie Novack Christopher Obrien Timothy O'Brien James O'Brien Thomas O'Malley Maryanne Pabst Diane
Pacovich Michael Pacyna Christian Pane Zachary Pantel Nicholas Parise John Pash Cherisse Peaten Stephen Pelleschi Rhett Perdew Carlos Perez Gutierrez Samantha Perreault Davene Perruso Carol Petliski Joanne
Pezzuti Hannah Pierre Jeffrey Pisarcik Antoinette Porpiglia Amanda Potrzuski Savannah Poveromo Carmella Pringle Kuzdro Noelle Prisco Jeffrey Rake Carlo Ramelah Deborah Ratuszny Mary Reid Kathryn Richards
Robert Riley Anna Maria Rittle Amanda Roche Anyeli Rodriguez Kristopher Rogers Theresa Roginski Evelyn Roman Kathy Roskos Sadie Roth Mary Ann Roushey Lori Rowker Alan Rudalavage Todd Saab Melissa Sadaka
Bryanne Salvo Michele Santaniello Daniel Santaniello Melissa Santarsiero-Tylutke Dominic Santiago Avery Schiavone Michele Schmidt Kevin Scotch Allyson Seliga Justin Shaffern Kaitlyn Shaver Sharon Sheperis
Madison Sickler Wayne Silvius Kelleah Simonson Martin Skodocek Dana Slater Morgan Sledzinski Chris Sledzinski Kathleen Solsman Shirley Steele Kelly Steinmetz William Stevens Matthew Stroney Jamila Swanson
Mackenzie Sweet Shanay Teevan Kristi Thomas Kathleen Timlin Tara Tomasetti Smith Joseph Tomko Laura Torres Nicholas Traino Amy Trently James Tressler Ruth Turkington Jill Valentini Zoila Valerio Christine Valvano
Joshua Van Gorden Maria Vera Nicolas Vlacich Alexander Volz Lacey Walsh Erin Walsh Eugene Walsh Susan Weaver Lori Weber Tyler Whitmore Adam Williams John Williams Grace Wingler Linda Wishard Isabel Wolk
Hannah Woolf Lynn Wormuth George Yakubisin Kun Yang Nicole Yazinski Deborah Yearing JoAnne Zarick Katelyn Abraham Kelly Adams Johnathan Ahbez Miller Stephanie Alesia Eneria Almonte Paige Anderson 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 Amanda Birch Mary Lynn Blasi Dana Bloom Jennifer Blumer Jillian Bochnovich Lisa Bogumil Patrick Boles Adam Bregenzer Amber Brezna Jalen Bridges Melissa Briggs
Debora Brown Ashley Bunevitch Tiffany Burch David Burge Antoinette Calco Carmen Caputo Joseph Carlin Diane Carney Michelle Carr Alison Castellino Felicity Chee Samantha Cicardo Sharon Cifuentes Frank Cimino
Samantha Clark Dominique Clark Seryna Cleveland Kristi Cleveland Samya Colon Judith Comerford Heather Commiso Elisa Costantino Connie Counterman Michael Coury Rona Covalesky Rosemarie Coyne Adam
Crahall Lawrence Crimi Derek Cronauer Lesly Culkin Patricia Curley George Czajkowski Scott Davenport Nadia Davies Angelo DeCesaris Salvatore DeFrancesco Kathleen DeLeo Margaret Dermody Michael DeSarro
Candace Dexheimer Tylene Dodge Daniela Domingues Cynthia Dopko Stephanie Dowling Noelle Drago Allison Duffy Derek Dunstone Loriann Edwards Logan Eisenhart Maryann Ellefsen Virginia Ernst Paul Evans
Robert Farrell William Fennie John Ferrett JoAnn Fuller Lawless Claudia Garcia Carey Garvey Jacob George Nicole Gerrity Elizabeth Gilgallon Rachel Goodwin Joshua Gorton Aaron Goryl Elizabeth Graham Connie
Greenamoyer Eliese Grella Judith Griffiths Kristin Grow Renee Grube Arianna Gryziec Margarita Guerrero Shawna Halley Levi Hannas Michelle Hausmann Casey Henshaw Bethzaida Hernandez Adam Higgins Carol
Hilton Theresa Hinton Neil Hockenberry David Hoffner Melinda Hoffner Christina Holman Robert Hooper Haley Houck Kiana Hubbard Dena Hughes Susan Hynds Amr Ismail Delbert James Christa Jennings Jillian
Jezuit Mark Jobes Linda Johnson Candice 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 Vicki Kirkpatrick Elizabeth Kishbach Sarah Kline Sarah Knoble Mary Kondash Joseph Konopke Noelle Krempasky Susan Labar Jessica Lachance Kelley Laird Mariane Lank Alex Larsen Briar
Laurito Maria Lawler Christian Lawler Diane Layman Alyssa Lehr Jody Lewis Krista Liberski Jesse Lick Lisa Lilly Bryan Loftus Angelo Lombardo Susan Mae Lucas Ashley Lukie Lauren Luongo Owen Lutri Elizabeth
MacArthur William Malitsch Patrick Manning Stacy Marino Michael Marion Thomas Maro Mary Ann Marranca Katelyn Martin Kelli-Ann Marty Courtney Mazzei William McAndrew Jason McCabe Ryan McGowan
Michelle McMaster Mary McNichols Janie McRoy Constance Mihalick Kathryne Miller Lisa Minor Kevin Mitchell Eric Montella Michele Moon Thomas Moore Bianca Morales Jenna Mulherin Sharon Mullaney Lirika
Nashi Ryan Nork Kellsie Novack Christopher Obrien Timothy O'Brien James O'Brien Thomas O'Malley Maryanne Pabst Diane Pacovich Michael Pacyna Christian Pane Zachary Pantel Nicholas Parise John Pash
Cherisse Peaten Stephen Pelleschi Rhett Perdew Carlos Perez Gutierrez Samantha Perreault Davene Perruso Carol Petliski Joanne Pezzuti Hannah Pierre Jeffrey Pisarcik Antoinette Porpiglia Amanda Potrzuski
Savannah Poveromo Carmella Pringle Kuzdro Noelle Prisco Jeffrey Rake Carlo Ramelah Deborah Ratuszny Mary Reid Kathryn Richards Robert Riley Anna Maria Rittle Amanda Roche Anyeli Rodriguez Kristopher
Rogers Theresa Roginski Evelyn Roman Kathy Roskos Sadie Roth Mary Ann Roushey Lori Rowker Alan Rudalavage Todd Saab Melissa Sadaka Bryanne Salvo Michele Santaniello Daniel Santaniello Melissa Santar-
siero-Tylutke Dominic Santiago Avery Schiavone Michele Schmidt Kevin Scotch Allyson Seliga Justin Shaffern Kaitlyn Shaver Sharon Sheperis Madison Sickler Wayne Silvius Kelleah Simonson Martin Skodocek Dana
Slater Morgan Sledzinski Chris Sledzinski Kathleen Solsman Shirley Steele Kelly Steinmetz William Stevens Matthew Stroney Jamila Swanson Mackenzie Sweet Shanay Teevan Kristi Thomas Kathleen Timlin Tara
Tomasetti Smith Joseph Tomko Laura Torres Nicholas Traino Amy Trently James Tressler Ruth Turkington Jill Valentini Zoila Valerio Christine Valvano Joshua Van Gorden Maria Vera Nicolas Vlacich Alexander Volz Lacey
Walsh Erin Walsh Eugene Walsh Susan Weaver Lori Weber Tyler Whitmore Adam Williams John Williams Grace Wingler Linda Wishard Isabel Wolk Hannah Woolf Lynn Wormuth George Yakubisin Kun Yang Nicole
Yazinski Deborah Yearing JoAnne Zarick Katelyn Abraham Kelly Adams Johnathan Ahbez Miller Stephanie Alesia Eneria Almonte Paige Anderson 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 Amanda Birch
Mary Lynn Blasi Dana Bloom Jennifer Blumer Jillian Bochnovich Lisa Bogumil Patrick Boles Adam Bregenzer Amber Brezna Jalen Bridges Melissa Briggs Debora Brown Ashley Bunevitch Tiffany Burch David Burge
Antoinette Calco Carmen Caputo Joseph Carlin Diane Carney Michelle Carr Alison Castellino Felicity Chee Samantha Cicardo Sharon Cifuentes Frank Cimino Samantha Clark Dominique Clark Seryna Cleveland Kristi
Cleveland Samya Colon Judith Comerford Heather Commiso Elisa Costantino Connie Counterman Michael Coury Rona Covalesky Rosemarie Coyne Adam Crahall Lawrence Crimi Derek Cronauer Lesly Culkin Patricia
JOHN C. MAXWELL
Curley George Czajkowski Scott Davenport Nadia Davies Angelo DeCesaris Salvatore DeFrancesco Kathleen DeLeo Margaret Dermody Michael DeSarro Candace Dexheimer Tylene Dodge Daniela Domingues Cynthia
Dopko Stephanie Dowling Noelle Drago Allison Duffy Derek Dunstone Loriann Edwards Logan Eisenhart Maryann Ellefsen Virginia Ernst Paul Evans Robert Farrell William Fennie John Ferrett JoAnn Fuller Lawless
Claudia Garcia Carey Garvey Jacob George Nicole Gerrity Elizabeth Gilgallon Rachel Goodwin Joshua Gorton Aaron Goryl Elizabeth Graham Connie Greenamoyer Eliese Grella Judith Griffiths Kristin Grow Renee Grube
Arianna Gryziec Margarita Guerrero Shawna Halley Levi Hannas Michelle Hausmann Casey Henshaw Bethzaida Hernandez Adam Higgins Carol Hilton Theresa Hinton Neil Hockenberry David Hoffner Melinda Hoffner
Christina Holman Robert Hooper Haley Houck Kiana Hubbard Dena Hughes Susan Hynds Amr Ismail Delbert James Christa Jennings Jillian Jezuit Mark Jobes Linda Johnson Candice 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 Vicki Kirkpatrick Elizabeth Kishbach Sarah Kline Sarah
Knoble Mary Kondash Joseph Konopke Noelle Krempasky Susan Labar Jessica Lachance Kelley Laird Mariane Lank Alex Larsen Briar Laurito Maria Lawler Christian Lawler Diane Layman Alyssa Lehr Jody Lewis
Krista Liberski Jesse Lick Lisa Lilly Bryan Loftus Angelo Lombardo Susan Mae Lucas Ashley Lukie Lauren Luongo Owen Lutri Elizabeth MacArthur William Malitsch Patrick Manning Stacy Marino Michael Marion
Thomas Maro Mary Ann Marranca Katelyn Martin Kelli-Ann Marty Courtney Mazzei William McAndrew Jason McCabe Ryan McGowan Michelle McMaster Mary McNichols Janie McRoy Constance Mihalick Kathryne
Miller Lisa Minor Kevin Mitchell Eric Montella Michele Moon Thomas Moore Bianca Morales Jenna Mulherin Sharon Mullaney Lirika Nashi Ryan Nork Kellsie Novack Christopher Obrien Timothy O'Brien James O'Brien
Thomas O'Malley Maryanne Pabst Diane Pacovich Michael Pacyna Christian Pane Zachary Pantel Nicholas Parise John Pash Cherisse Peaten Stephen Pelleschi Rhett Perdew Carlos Perez Gutierrez Samantha
Perreault Davene Perruso Carol Petliski Joanne Pezzuti Hannah Pierre Jeffrey Pisarcik Antoinette Porpiglia Amanda Potrzuski Savannah Poveromo Carmella Pringle Kuzdro Noelle Prisco Jeffrey Rake Carlo Ramelah
Deborah Ratuszny Mary Reid Kathryn Richards Robert Riley Anna Maria Rittle Amanda Roche Anyeli Rodriguez Kristopher Rogers Theresa Roginski Evelyn Roman Kathy Roskos Sadie Roth Mary Ann Roushey Lori
Rowker Alan Rudalavage Todd Saab Melissa Sadaka Bryanne Salvo Michele Santaniello Daniel Santaniello Melissa Santarsiero-Tylutke Dominic Santiago Avery Schiavone Michele Schmidt Kevin Scotch Allyson Seliga
Justin Shaffern Kaitlyn Shaver Sharon Sheperis Madison Sickler Wayne Silvius Kelleah Simonson Martin Skodocek Dana Slater Morgan Sledzinski Chris Sledzinski Kathleen Solsman Shirley Steele Kelly Steinmetz
William Stevens Matthew Stroney Jamila Swanson Mackenzie Sweet Shanay Teevan Kristi Thomas Kathleen Timlin Tara Tomasetti Smith Joseph Tomko Laura Torres Nicholas Traino Amy Trently James Tressler Ruth
Turkington Jill Valentini Zoila Valerio Christine Valvano Joshua Van Gorden Maria Vera Nicolas Vlacich Alexander Volz Lacey Walsh Erin Walsh Eugene Walsh Susan Weaver Lori Weber Tyler Whitmore Adam Williams
John Williams Grace Wingler Linda Wishard Isabel Wolk Hannah Woolf Lynn Wormuth George Yakubisin Kun Yang Nicole Yazinski Deborah Yearing JoAnne Zarick Katelyn Abraham Kelly Adams Johnathan Ahbez Miller
Stephanie Alesia Eneria Almonte Paige Anderson 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 Amanda Birch Mary Lynn Blasi Dana Bloom Jennifer Blumer Jillian Bochnovich Lisa Bogumil Patrick Boles Adam
Bregenzer Amber Brezna Jalen Bridges Melissa Briggs Debora Brown Ashley Bunevitch Tiffany Burch David Burge Antoinette Calco Carmen Caputo Joseph Carlin Diane Carney Michelle Carr Alison Castellino Felicity
Chee Samantha Cicardo Sharon Cifuentes Frank Cimino Samantha Clark Dominique Clark Seryna Cleveland Kristi Cleveland Samya Colon Judith Comerford Heather Commiso Elisa Costantino Connie Counterman
Michael Coury Rona Covalesky Rosemarie Coyne Adam Crahall Lawrence Crimi Derek Cronauer Lesly Culkin Patricia Curley George Czajkowski Scott Davenport Nadia Davies Angelo DeCesaris Salvatore DeFrancesco
Kathleen DeLeo Margaret Dermody Michael DeSarro Candace Dexheimer Tylene Dodge Daniela Domingues Cynthia Dopko Stephanie Dowling Noelle Drago Allison Duffy Derek Dunstone Loriann Edwards Logan
Eisenhart Maryann Ellefsen Virginia Ernst Paul Evans Robert Farrell William Fennie John Ferrett JoAnn Fuller Lawless Claudia Garcia Carey Garvey Jacob George Nicole Gerrity Elizabeth Gilgallon Rachel Goodwin
Joshua Gorton Aaron Goryl Elizabeth Graham Connie Greenamoyer Eliese Grella Judith Griffiths Kristin Grow Renee Grube Arianna Gryziec Margarita Guerrero Shawna Halley Levi Hannas Michelle Hausmann Casey
Henshaw Bethzaida Hernandez Adam Higgins Carol Hilton Theresa Hinton Neil Hockenberry David Hoffner Melinda Hoffner Christina Holman Robert Hooper Haley Houck Kiana Hubbard Dena Hughes Susan Hynds
Amr Ismail Delbert James Christa Jennings Jillian Jezuit Mark Jobes Linda Johnson Candice 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 Vicki Kirkpatrick Elizabeth Kishbach Sarah Kline Sarah Knoble Mary Kondash Joseph Konopke Noelle Krempasky Susan Labar Jessica
Lachance Kelley Laird Mariane Lank Alex Larsen Briar Laurito Maria Lawler Christian Lawler Diane Layman Alyssa Lehr Jody Lewis Krista Liberski Jesse Lick Lisa Lilly Bryan Loftus Angelo Lombardo Susan Mae Lucas
Ashley Lukie Lauren Luongo Owen Lutri Elizabeth MacArthur William Malitsch Patrick Manning Stacy Marino Michael Marion Thomas Maro Mary Ann Marranca Katelyn Martin Kelli-Ann Marty Courtney Mazzei William
McAndrew Jason McCabe Ryan McGowan Michelle McMaster Mary McNichols Janie McRoy Constance Mihalick Kathryne Miller Lisa Minor Kevin Mitchell Eric Montella Michele Moon Thomas Moore Bianca Morales
Jenna Mulherin Sharon Mullaney Lirika Nashi Ryan Nork Kellsie Novack Christopher Obrien Timothy O'Brien James O'Brien Thomas O'Malley Maryanne Pabst Diane Pacovich Michael Pacyna Christian Pane Zachary
Pantel Nicholas Parise John Pash Cherisse Peaten Stephen Pelleschi Rhett Perdew Carlos Perez Gutierrez Samantha Perreault Davene Perruso Carol Petliski Joanne Pezzuti Hannah Pierre Jeffrey Pisarcik Antoinette
Porpiglia Amanda Potrzuski Savannah Poveromo Carmella Pringle Kuzdro Noelle Prisco Jeffrey Rake Carlo Ramelah Deborah Ratuszny Mary Reid Kathryn Richards Robert Riley Anna Maria Rittle Amanda Roche Anyeli
Rodriguez Kristopher Rogers Theresa Roginski Evelyn Roman Kathy Roskos Sadie Roth Mary Ann Roushey Lori Rowker Alan Rudalavage Todd Saab Melissa Sadaka Bryanne Salvo Michele Santaniello Daniel Santaniello
Melissa Santarsiero-Tylutke Dominic Santiago Avery Schiavone Michele Schmidt Kevin Scotch Allyson Seliga Justin Shaffern Kaitlyn Shaver Sharon Sheperis Madison Sickler Wayne Silvius Kelleah Simonson Martin
Skodocek Dana Slater Morgan Sledzinski Chris Sledzinski Kathleen Solsman Shirley Steele Kelly Steinmetz William Stevens Matthew Stroney Jamila Swanson Mackenzie Sweet Shanay Teevan Kristi Thomas Kathleen
Timlin Tara Tomasetti Smith Joseph Tomko Laura Torres Nicholas Traino Amy Trently James Tressler Ruth Turkington Jill Valentini Zoila Valerio Christine Valvano Joshua Van Gorden Maria Vera Nicolas Vlacich Alexander
Volz Lacey Walsh Erin Walsh Eugene Walsh Susan Weaver Lori Weber Tyler Whitmore Adam Williams John Williams Grace Wingler Linda Wishard Isabel Wolk Hannah Woolf Lynn Wormuth George Yakubisin Kun Yang
Built to Last
F I D E L I T Y D & D B A N C O R P, I N C . 2 0 2 3 A N N U A L R E P O R T
M E S S A G E T O O U R VA L U E D S H A R E H O L D E R S :
Despite a challenging year that included
an unprecedented interest rate cycle
and a rapidly evolving landscape, the
Fidelity Bankers’ commitment to
building mutually beneficial relationships
and partnering with our clients to
achieve financial success continued to
generate substantial growth. The
accelerated movement from extended
periods of historically low to significantly
higher interest rates put pressure on
community banks’ net-interest margins.
At year’s end, Fidelity D & D Bancorp,
Inc. reported net income of $18.2
million, or $3.19 diluted earnings per
share - a decline compared to the
same period ending December 31,
2022, which reported a net income of
$30.0 million, or $5.29 diluted earnings
per share. In addition, net interest
income declined to $62.1 million, down
from $72.3 million in the previous year.
Excluding the loss on a sale of
securities of $5.1 million, net of tax, net
income would have been 28% higher
for the year ended December 31, 2023.
The Board of Directors and Fidelity
Bankers are pleased to report that at the
end of the year:
(cid:129) Gross loans and leases grew $121
million, or 8%.
(cid:129) Non-interest income, excluding the
loss on the sale of securities,
increased $1.2 million, or 7%.
(cid:129) Assets grew by $125 million, closing
the year at $2.5 billion.
Proud to Rejoin the Russel 3000® Index
Effective June 26, 2023, Fidelity Bank
rejoined the broad-market Russell
3000® Index which captured the 3,000
largest US stocks as of April 28, 2023,
as part of the Russell US Indexes
annual reconstitution, ranking them by
total market capitalization.
The Russel Indexes are internationally
recognized markers of growth that
identify companies to determine where
they lie along the investment spectrum
from value to growth. Membership in
the index is determined primarily by
business objective, market-
capitalization rankings, as well as
customer delivery and differentiation
attributes. Fidelity Bank’s inclusion in
the Russell 3000® Index demonstrates
its long standing commitment and
position to delivering long-term growth
and maximizing shareholder value.
Among the Top Community Banks
Despite economic uncertainty and
stress on the banking sector throughout
2023, the deep and meaningful
relationships that Fidelity Bankers have
built with clients, with communities, and
with each other have allowed Fidelity
Bank to continue to rank among the top
community banks locally, regionally,
and nationally.
In 2023, Fidelity Bank was awarded a
Five-Star “Superior” Rating from
industry watchdog BauerFinancial for
40 consecutive quarters over nine
consecutive years. In addition, the Bank
was once again recognized as one of
the Top 200 Publicly Traded Community
Banks in the U.S. by American Banker
Magazine, marking the 10th
consecutive time that this highly
regarded industry publication has
recognized Fidelity Bank as a top
community bank.
At the local level, Fidelity Bank was
voted “Best Bank” by the readers of the
Standard Speaker’s Readers’ Choice
Awards; “Best Mortgage Company” by
the readers of The Scranton Times
Readers’ Choice Awards; and was
selected as the 2023 Silver Winner for
Best Places to Work in NEPA by the
Times Leader Media Group.
served, achieving strong originations
across all portfolios, and realizing a
year-end level of loans in excess of
$531 million.
Ranked as the #1 mortgage lender in
Northeastern Pennsylvania for 13 years
in a row, in 2023, Fidelity Bank provided
over $130 million to fulfill the dream of
home ownership. The Bank also
continued to create strong partnerships
with local businesses and local
government, originating over $189.1
million in business loans to help local
communities prosper and assisting local
government with loans totaling over
$75 million.
Uplifting Communities
Being a true community bank means
giving back. In 2023, Fidelity Bankers
continued to help ensure the
sustainability of our communities by
donating 5,983 volunteer hours to
organizations that bring resources to
those in need. In addition to donating
time and talent to these community
groups, the Bank also supported
hundreds of local and regional non-
profit organizations with over $1.36
million in charitable giving.
In 2023, the bank reaffirmed its
commitment to the Lehigh Valley,
relocating to a newer, convenient
branch location in downtown
Bethlehem. In support of this move,
Bethlehem Emergency Sheltering (BES),
a faith-based partnership that provides
a network of care and hospitality for the
homeless in this community, was the
recipient of a $10,000 Fidelity Bank
IMPACT grant. BES will use the funds
strategically to facilitate the
transformation of the current BES
shelter into a year-round facility.
Powering Economic Growth
From residential lending, to commercial
and government financing, Fidelity Bank
has continued to maintain its position as
market leader in the communities
Fidelity Bank also provided funding to
forty-two educational organizations in
Northeast Pennsylvania and in the
Lehigh Valley, awarding these
organizations $564,000 in
Pennsylvania Educational Improvement
Tax Credit (EITC) funds. This funding will
support the educational initiatives that
these groups deliver to the community,
affording students opportunities for
better educational outcomes.
In addition to these contributions, during
2023 the Fidelity D&D Charitable
Foundation awarded $87,500 to high
priority causes and communities.
Launched in 2022, the foundation acts
as a catalyst to heighten awareness of
community needs and will continue to
build more events and programs around
this initiative in 2024.
Expanding Digital Services
Fidelity Bank continues to expand on its
digital channels and tools, addressing
the demand for instant access to
information that impacts clients’
financial well-being. To satisfy this
demand and enhance client loyalty, in
the latter half of 2023, the Bank
introduced Money IQ - a resource
repository of videos and articles that
provide helpful information and valuable
insights on a wide range of financial
topics, from banking and financial
fitness to identity theft security and
more. Community banks like Fidelity
recognize the investment in technology
and digital transformation will be better
positioned to proactively meet clients’
expectations, creating a more
accessible and efficient client
experience.
Investing in Our Bankers
Our continuing success as a bank is built
on the contributions and success of our
bankers, the relationships they develop
with clients, and their presence in the
communities we do business in. To
support exceptional client experiences,
Fidelity Bankers are given the training
and resources they need to cultivate
deeper and broader relationships with
their clients and to build solid
partnerships for financial success.
Thanks to our Board of Directors,
1
Managers, and Supervisors who have
been fully supportive of bankers
committed to continuous learning, in
2023, 301 Bankers collectively
completed over 11,473 hours of training.
In addition, a new tuition reimbursement
program will aid those bankers looking to
further their education.
Nurturing Future Leaders
The Bank’s Leadership Academy
Training program is part of the Bank’s
commitment to nurture future leaders
within the organization and equips
Fidelity Bankers who are enrolled in the
program with the tools needed to
inspire and lead.
As a complement to this program, the
Fidelity D&D Charitable Foundation has
established a scholarship fund to honor
the dedicated efforts of Fidelity Bankers
and to recognize the importance of
education in their children's lives.
Named The Patrick J. Dempsey and
Ronald ‘Pete’ Cann Scholarship, this
inaugural program pays tribute to
distinguished leaders of Fidelity Bank and
is open to children of full-time Fidelity
Bankers who meet eligibility criteria.
A Roadmap for the Future
To continue to thrive in an evolving
landscape, expand client relationships,
and capture new market opportunities,
the Bank is updating its Strategic Plan
with a refined and prioritized roadmap
for the future. The updated plan will
focus on innovative practices that will
modernize and simplify operations while
enhancing a culture of service, urgency
and accountability.
A key component of the Strategic Plan
is the Bank’s new “Corporate Purpose”
initiative. As competition in the banking
sector continues to increase, this
program seeks to clearly differentiate
Fidelity Bank from other institutions by
asking, “Why Fidelity?” The initiative is
core to what defines the Bank and is
meant to further unite and energize
Fidelity Bankers, clients, shareholders
and the community around the Bank’s
central purpose-creating an
extraordinary banking experience that
differentiates the Fidelity Bank brand and
produces exceptional shareholder value.
Committed to Enhancing
Shareholder Value
Fidelity Bank remains focused on
providing our shareholders consistent,
reliable, earnings growth by continually
improving operational performance and
profitability, and by continuing to exceed
client expectations through a unique
banking experience.
We continue to execute well, with
strong credit quality, managed
expenses, and a disciplined focus on
our strategic objectives.
Uniquely Positioned
Fidelity Bankers remain dedicated to
serving as trusted financial advisors to
our clients and the community - the
partners who really know and
understand our clients. Our experiences
and insights, our strong referral
network, our local on the ground
expertise and our empathy are
attributes that are uniquely Fidelity,
allowing us to serve in ways that other
banks simply do not and cannot.
We are immensely proud of what the
Fidelity Bankers have achieved over the
past challenging year and recognize the
hard work and perfect effort put forth by
each Fidelity Banker.
Thanks to the unwavering commitment
of each and every one of our Fidelity
Bankers and your dedication to
providing exceptional service, Fidelity
Bank is well positioned for the future.
Sincerely,
Brian J. Cali,
Chairman of the Board
Daniel J. Santaniello,
President and Chief Executive Officer
Board of Directors (L to R): Alan Silverman | 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.
Built to Last
F I D E L I T Y D & D B A N C O R P, I N C . 2 0 2 3 A N N U A L R E P O R T
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)
2750
2500
2250
2000
1750
1500
1250
1000
950
900
850
800
$2,503
1700
1600
1500
1400
1300
1200
1100
1000
900
800
700
600
$1,667
2250
2000
1750
1500
1250
1000
900
800
700
600
500
400
$2,158
220
200
180
160
140
120
100
80
60
40
20
10
$189
30
28
26
24
22
18
14
10
$18
1.45
1.40
1.35
1.30
1.25
1.20
1.15
1.10
1.05
1.00
Dividends Per Share
(Dollars)
$1.46
‘19
’20
‘21
’22
‘23
‘19
’20
‘21
’22
‘23
‘19
’20
‘21
’22
‘23
‘19
’20
‘21
’22
‘23
‘19
’20
‘21
’22
‘23
‘19
’20
‘21
’22
‘23
(dollars in thousands except per share data)
Amount
% Change
Amount
% Change
2023
2022
2021
Amount
2020
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
Shares Outstanding
Ratios
Net Loans to Deposits
Non-performing Assets to Total Assets
Equity to Assets
Tier I Risk-Based Capital
Total Risk-Based Capital
$
$
$
$
$
$
$
$
$
$
$
$
$
62,047
18,210
8,387
0.76%
10.56%
2.81%
3.19
1.46
33.22
-14.2%
-39.3%
8.8%
-39.7%
8.1%
14.8%
5,676,711
0.6%
2,503,159
2,338,425
568,273
1,667,749
2,158,425
124,372
189,479
5.2%
4.5%
-11.7%
7.7%
-0.4%
504.9%
16.3%
$
$
$
$
$
$
$
$
$
$
$
$
$
72,274
30,021
7,709
1.25%
17.37%
3.28%
5.29
1.35
28.94
5,644,599
2,378,372
2,237,699
643,606
1,548,662
2,166,913
20,559
162,950
5,703,636
1.3%
5,630,794
77.27%
0.13%
7.57%
13.42%
14.67%
71.47%
0.17%
6.85%
13.27%
14.35%
16.9%
25.0%
16.7%
18.1%
9.8%
-22.8%
6.1%
-1.7%
-1.6%
-12.9%
6.9%
-0.1%
93.6%
-23.0%
-0.3%
$
$
$
$
$
$
$
$
$
$
$
$
$
61,829
24,008
6,608
1.13%
12.69%
3.23%
4.48
1.23
37.50
5,321,687
2,419,104
2,273,652
738,980
1,449,231
2,169,865
10,620
211,729
5,645,687
66.79%
0.27%
8.75%
13.40%
14.51%
$
$
$
$
$
$
$
$
$
$
$
$
$
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
4,977,750
75.21%
0.39%
9.81%
15.21%
16.46%
2019
Amount
$
$
$
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
3,781,500
89.18%
0.50%
10.58%
14.51%
15.76%
3
In 1902, a group of businessmen in Dunmore, Pennsylvania founded Fidelity Bank with
the goal of helping the community to thrive. Over a century later, Fidelity Bank stands strong,
proudly serving Northeastern PA and the Lehigh Valley, creating greater opportunities for
communities to prosper, for businesses to succeed, and for families to achieve their dreams.
Our purpose has shaped our past and will guide us into a future where Fidelity Bank’s impact
resonates even stronger than before.
F O U N D A T I O N
Built
with
Purpose
MARK REESE President & ADAM REESE Vice President | Schiff’s Marketplace | Fidelity Bank Clients Since 2006
Our success as a bank is built on the contributions and success of our bankers, the relationships
they develop with our clients, and their presence in the communities where we do business.
Our experiences and insights, our strong referral network, our local on the ground expertise
and our empathy are attributes that are uniquely Fidelity. They allow us to serve in ways that
other banks simply do not and cannot. The passion, insight and knowledge that our bankers
bring each day have produced outstanding results that are mutually beneficial to both clients
and to the Bank. Their unwavering dedication is the foundation of Fidelity Bank’s success.
D E D I C A T I O N
Built
for
Success
BRYANNE SALVO | Branch Manager | Fidelity Banker Since 2016
C O M M U N I T Y
Built for
Commitment
As we continue to grow, innovate, and strive to deliver the best in banking, one thing
remains constant–our commitment to the communities we serve. For well over
a century, Fidelity Bank has forged strong bonds, giving back to communities in time,
talent and treasure. From providing financial solutions and expert advice to local
businesses to assisting organizations that bring resources to those in need, enrich
lives, and expand educational opportunities, Fidelity Bank is fully invested in contributing
positively to the strength and vitality of the communities it serves.
DAWN GODSHALL | Executive Director, Community Action Lehigh Valley | Fidelity Bank Advisory Board Member
V I S I O N
Built
to
Last
Fidelity Bank’s growth is the result of the continued execution of a strategic vision focused
on deepening and broadening relationships with existing clients, addressing their financial
needs, and providing each with an exceptional experience. Our vision defines our relationships,
informs our decisions and inspires our actions. We are the partner who really knows and
understands you and we are uniquely positioned for this time in banking. With our clients
at the center of everything we do, we will continue to differentiate the Fidelity Bank brand
in every market served, build new opportunities for communities to prosper, and continue
to generate financial success for all key stakeholders.
TONY DOMIANO, SR. | Owner, Domiano Auto Dealership | Fidelity Bank Client Since 1986
• Marywood University
Nazareth Hall,
McGowen Center, and Learning Commons
Dunmore, PA 18509
Wealth
Management
Personal & Corporate Trust,
Estate Administration & Investment
Services
101 North 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
SVP & Wealth Advisor
570-504-2242
Commercial
Banking
Timothy O’Brien
570-504-2230
Michael J. Pacyna
570-504-8005
Retail Banking
Michelle J. Carr
SVP, Director of Retail Banking
570-504-8083
Client Care Center
800-388-4380
Built to Last
F I D E L I T Y D & D B A N C O R P, I N C . 2 0 2 3 A N N U A L R E P O R T
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 & Jumbo Mortgages
• Construction Mortgages
• FHA/USDA/VA Mortgages
• Auto Loans
• Personal Loans
• Secured & Unsecured Loans
• Preferred Credit Loans
Card Services
• Visa® Consumer Debit Card
• Visa® Business Debit Card
• Visa® Credit Card
• American Express® Credit Card
• Card Manager
• Digital Wallet
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 & Services
• Business Checking
• Basic Business Checking
• Business Relationship Interest Checking
• Business Analysis Checking
• Community First Non-Profit Checking
• Community First Checking
• Estate Checking
• Healthcare 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
• Healthcare Loans
• Lines of Credit
• Municipal Loans
• Community Development Loans
• Commercial/Equipment Leasing
• Commercial Mortgages
• Letters of Credit
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 & 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
Branch &
ATM Locations
Fidelity Bank has partnered with MoneyPass,
a network of approximately 40,000
nationwide ATM’s
NEPA Locations
1311 Morgan Hwy.
Clarks Summit, PA 18411
570-586-3212
2363 Memorial Hwy.
Dallas, PA 18612
570-675-3332
External ATM at Dallas Shopping Center
101 North Blakely St.
Dunmore, PA 18512
570-342-8281
111 Green Ridge St.
Scranton, PA 18509
570-342-5532
•
383 South Poplar St.
Hazleton, PA 18201
570-501-7001
247 Wyoming Ave.
Kingston, PA 18704
570-338-0119
4010 Birney Ave.
Moosic, PA 18507
570-504-0789
1 South Mountain Blvd.
Mountain Top, PA 18707
570-403-2297
1598 Main St.
Peckville, PA 18452
570-483-3300
225 Kennedy Blvd.
Pittston, PA 18640
570-908-0103
• Scranton Financial Center
338 North Washington Ave.
Scranton, PA 18503
570-504-8001
400 South Main Ave.
Scranton, PA 18504
570-504-8182
• Wilkes-Barre
64 North Franklin St.
Wilkes-Barre, PA 18701
272-229-9875
(ATM in the parking lot*)
1000 Wyoming Ave.
Wyoming, PA 18644
570-609-5800
Lehigh Valley Locations
•
303 Pennsylvania Ave.
Bangor, PA 18013
610-588-0983
(ATM in the parking lot*)
•
44 East Broad St.
Bethlehem, PA 18018
484-241-4464
•
46 Centre Square
Easton, PA 18042
610-253-5117
• Lehigh Valley Corporate Center in Forks
1250 Braden Blvd.
Easton, PA 18040
484-548-6095
•
2118 Delaware Dr.
Mount Bethel, PA 18343
570-897-7650
(ATM in the parking lot*)
•
44 South Broad St.
Nazareth, PA 18064
610-746-5140
•
45 North Broadway
Wind Gap, PA 18091
272-232-5317
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 West Market St.
Scranton, PA 18508
• Mountain Plaza
1137 Moosic St.
Scranton, PA 18503
• Our Lady of Peace
1510 Adams Ave.
Scranton, PA 18508
• Scranton Cultural Center
420 North Washington Ave.
Scranton, PA 18503
• Starbucks
1232 Keystone Industrial Park Rd.
Dunmore, PA 18512
• T.J. 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
* 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 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.
12
Investor Relations
Fidelity D & D Bancorp, Inc.
101 North 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
(cid:129) Dividend reinvestment plan
(cid:129) Direct deposit of dividends
(cid:129) 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
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
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
Susquehanna Securities
401 City Ave., Ste. 220
Bala Cynwyd, PA 19004
(610) 617-2600
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
SG Americas Securities, LLC
245 Park Ave.
New York, NY 10167
(212) 278-6000
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
Goldman Sachs & Co., LLC
200 West St.
New York, NY 10282
(212) 902-1000
RBC Capital Markets
3 World Financial Center
New York, NY 10281
(612) 371-2811
Virtu Americas, LLC
300 Vesey St.
New York, NY 10282
(646) 682-6000
800 388 4380 | bankatfidelity.com