The Fidelity Deposit and Discount Bank

What sets The Fidelity Deposit and Discount Bank apart

How large is The Fidelity Deposit and Discount Bank?

The balance sheet of The Fidelity Deposit and Discount Bank at Q2 2026: assets $3.0 bn, deposits $2.6 bn, net loans $2.1 bn (loans equal to 80.80% of deposits). Securities make up 17.1% of total assets at The Fidelity Deposit and Discount Bank. Since Q1 2016, when The Fidelity Deposit and Discount Bank held $764.2 mn, its assets grew 288.8%. In the year to Q2 2026, deposits at The Fidelity Deposit and Discount Bank rose 5.1% while its total assets rose 10.2%. At Q2 2026, The Fidelity Deposit and Discount Bank employed 320 full-time equivalent staff across 23 offices, about $9.3 mn of assets per employee and $111.3 mn of deposits per office.

How much funding at The Fidelity Deposit and Discount Bank is uninsured?

At The Fidelity Deposit and Discount Bank, uninsured deposits (above the FDIC limit) made up 42.59% of domestic deposits at Q2 2026 (+4.25 pp on a year earlier); The Fidelity Deposit and Discount Bank ranks 163rd of 500 on this measure. In dollars, The Fidelity Deposit and Discount Bank estimated $1.1 bn of uninsured deposits.

Key facts, Q2 2026

US rank of The Fidelity Deposit and Discount Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of The Fidelity Deposit and Discount Bank stood at 13.16% in Q2 2026, -0.39 pp year on year. Low and high at The Fidelity Deposit and Discount Bank since Q1 2016: 13.09% (Q1 2022) to 15.21% (Q1 2021). Equity capital of The Fidelity Deposit and Discount Bank at Q2 2026: $252.6 mn, or 8.5% of total assets. The Fidelity Deposit and Discount Bank also reported a total capital ratio of 14.28% for Q2 2026, and a tier 1 leverage ratio of 9.50%.

On held-to-maturity securities, The Fidelity Deposit and Discount Bank carried an unrealized loss of $24.2 mn at Q2 2026, equal to 9.6% of equity capital. The loss narrowed by $7.0 mn over the year. Its deepest point: $45.8 mn in Q3 2023. The available-for-sale portfolio of The Fidelity Deposit and Discount Bank showed an unrealized loss of $33.9 mn at Q2 2026; the loss narrowed by $13.9 mn over the year.

For the year to Q2 2026, The Fidelity Deposit and Discount Bank earned a return on equity of 13.23%; return on assets: 1.13%. Net interest margin at The Fidelity Deposit and Discount Bank: 3.11%, +0.22 pp in a year. The Fidelity Deposit and Discount Bank net income: $16.2 mn, up 17.5% year on year. The efficiency ratio of The Fidelity Deposit and Discount Bank was 58.23%: about 58 cents cost per revenue dollar, against 61 cents at the median peer.

At Q2 2026, noncurrent loans were 0.08% of total loans at The Fidelity Deposit and Discount Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at The Fidelity Deposit and Discount Bank: $2.1 bn, up 13.7% in a year.

The peer group of The Fidelity Deposit and Discount Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 1 shares the charter type of The Fidelity Deposit and Discount Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Pennsylvania. Against them, The Fidelity Deposit and Discount Bank shows CET1 ratio 13.16% against a peer median of 12.61%, return on equity 13.23% against a peer median of 12.74% and uninsured deposit share 42.59% against a peer median of 48.56%.

The FDIC history of The Fidelity Deposit and Discount Bank, oldest first; figures before and after each event are not like for like.

1. 1 May 2020. Absorbed Merchants Bank of Bangor (FDIC certificate 7391).
2. 1 July 2021. Absorbed Landmark Community Bank (FDIC certificate 57112).

Large one-quarter moves at The Fidelity Deposit and Discount Bank

• Total assets at The Fidelity Deposit and Discount Bank changed by +67.3% in the quarter to 2020-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Merchants Bank of Bangor.