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Fidelity D & D Bancorp (FDBC) guidance and outlook

Fidelity D & D Bancorp's 10-Q filed Nov 6, 2026 makes 29 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 6, 2026

• Management will continue to monitor the economic climate in our region and scrutinize growth prospects with credit quality as a principal consideration.
• For the remainder of 2026, the Company expects to operate in an evolving interest rate environment characterized by continued uncertainty regarding the direction, timing and magnitude of future monetary policy actions.
• Management’s outlook is informed by published statements and economic projections of the Federal Open Market Committee (“FOMC”), as well as broader economic conditions.
• In this environment, the Company expects loan demand to remain supported by its current pipeline and anticipates continued growth in the loan portfolio.
• Changes in market interest rates will continue to affect the Company’s net interest margin (“NIM”), with the impact dependent on the timing and magnitude of repricing across earning assets and interest-bearing liabilities.
• Declining rates may reduce asset yields, with the effect on NIM dependent in part on the Company’s ability to reduce funding costs.
• The Company’s Marketing department, together with ALM, and the Pricing Committee, continue to develop prudent strategies that will grow the loan portfolio and accumulate relationship driven deposits at costs lower than borrowing costs to improve net interest income performance.
• The provision for credit losses represents the necessary amount to charge against current earnings, the purpose of which is to adjust the allowance for credit losses to a level that represents management’s best estimate of expected credit losses in the Company’s loan portfolio.
• The determination of the amounts of the allowance for credit losses and the provision for credit losses is based on management’s current judgments about the credit quality of the Company’s financial assets and known and expected relevant internal and external factors that significantly affect collectability such as historical loss information, current conditions, and reasonable and supportable forecasts,…
• During the fourth quarter of 2026, the Company anticipates recognizing approximately $0.8 million of federal historic tax credits, which are expected to partially offset the increase in the income tax provision.
• Its growth typically supplements the lending activities but also considers the current and forecasted economic conditions, the Company’s liquidity needs and interest rate risk profile, to the extent possible.
• Whether or not the value of the Company’s investment portfolio will change above or below its amortized cost will be largely dependent on the direction and magnitude of interest rate movements and the duration of the debt securities within the Company’s investment portfolio.

Fidelity D & D Bancorp's latest quarter

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What does Fidelity D & D Bancorp expect?

Management will continue to monitor the economic climate in our region and scrutinize growth prospects with credit quality as a principal consideration. For the remainder of 2026, the Company expects to operate in an evolving interest rate environment characterized by continued uncertainty regarding the direction, timing and magnitude of future monetary policy actions. Management’s outlook is informed by published statements and economic projections of the Federal Open Market Committee (“FOMC”), as well as broader economic conditions.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.