Fidelity D & D Bancorp is a community bank holding company headquartered in Dunmore, Pennsylvania. Its banking subsidiary, The Fidelity Deposit and Discount Bank, has operated since 1903 and serves customers in Lackawanna and Luzerne counties in Northeastern Pennsylvania and Northampton County in Eastern Pennsylvania, primarily through branch networks in the Scranton/Wilkes-Barre area and the Lehigh Valley. The bank offers traditional retail and commercial banking services, including deposit accounts and loans across residential real estate, consumer, commercial, and commercial real estate categories. The bank also operates a trust department and offers asset management, insurance, and alternative financial products. Fidelity D & D's business model is straightforward: it takes in deposits and lends that money out at a higher rate, earning a net interest margin on the spread. Profitability is driven by loan volume and mix, deposit costs, credit quality, and interest rate movements. Fee income from trust and asset management services supplements net interest income but is a smaller part of the revenue mix.