Fidelity D & D Bancorp, Inc. · NASDAQ:FDBC

Fidelity D & D Bancorp — Shareholder Meeting (May 2024)

20 slides from Fidelity D & D Bancorp's shareholder meeting presentation, May 8, 2024

  1. Slide 1: Built to last. Annual Report 2023

  2. Slide 2: Annual Meeting of Shareholders – May 7, 2024

  3. Slide 3: Forward-Looking Statements

    ision Statement

  4. Slide 4: Vision Statement

    |Fidelity D & D Bancorp, Inc. Overview Fikkiy

  5. Slide 5: Fidelity D & D Bancorp, Inc. Overview

    You ir Fidelity BANK Executive Team

  6. Slide 6: Fidelity Bank Executive Team

    Financial Highlights Net Income Net income lll

  7. Slide 7: Financial Highlights: Net Income

    Financial Highlights Diluted Earnings Per Share ae ll

  8. Slide 8: Financial Highlights: Diluted Earnings Per Share

    Net Interest Income & Net Interest Margin Net Interest Income & gph prinanies roomy Net Interest Margin ,

  9. Slide 9: Net Interest Income & Net Interest Margin

    Financial Highlights

  10. Slide 10: Financial Highlights

    Balance Sheet Mix Loan Portfolio + Loans increased $122 milion oF 7.7% over 2022 + Non Owner Occupied CRE at 184% of Total Capital + toante Deposit Ratio of 772% auto, home equity lending ge FICO in nd + Geos loans of $1.7 bition + 4.98% Joan yield for 2023 + 525% of loans are Ci and CRE

  11. Slide 11: Balance Sheet Mix: Loan Portfolio

    Balance Sheet Mix Deposit Base Deposits was 1.359 up 107 b erst bearing Liabilities was 1.93% up 153 + Tota Deposits of $2.2 bilion + S7-7% of deposits were transaction accounts

  12. Slide 12: Balance Sheet Mix: Deposit Base

    Deposit Market Share Lackawanna, PA

  13. Slide 13: Deposit Market Share

    | Credit Quality Trends rE elisue

  14. Slide 14: Credit Quality Trends

    [Regulatory Capital Strength 19.00% 17.00% 15.00% 12.00% 11.00% 9.00% 7.00% 00% 16.46% 15.76% 14.79% om sie ase 14.67% 14.70% 13.50% FE THI Tae TI37% _ 10.29% omy ie 9.15% 921% 798% 2018 2019 2020 2021 202 2023 i 2028 Total capital Ratio —Tier capital Ratio —teverage Ratio ee

  15. Slide 15: Regulatory Capital Strength

    Financial Highlights Dividends Per Share 7 Dividends Per Share

  16. Slide 16: Financial Highlights: Dividends Per Share

    Strategy & Initiatives Continue organic growth in egacy and acquired markets through Fidelity Bank’ felationship management and high priority segmentation stratey. Continue to focus on integration of Fidelity Bank’ culture and realize evenue ‘enhancement opportunites created by whole bank acquisitio

  17. Slide 17: Strategy & Initiatives

    [Net Promoter Survey Scores 2023Home Loan —— a

  18. Slide 18: Net Promoter Survey Scores

    Wealth Management Through a client centric approach, Wealth Managementnon-interest income increased from $2.28 million Jn 2019 to $3.94 millionin 2023, (oF 14.68% CAGR.

  19. Slide 19: Wealth Management

    [Digital Adoption Rates

  20. Slide 20: Digital Adoption Rates

    Community Involvement & Accolades incon \ te § Community Si Banks 10,YEARS IN A ROW. Best Mortgage Company” by re Tribune Best Bank” by readers of th

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