Fidelity D & D Bancorp, Inc. (FDBC) Balance Sheet
FDBC balance sheet, 2025
December 31, 2025 · U.S. dollars$2.75B assets = $2.51B liabilities + $238.9M equity
Both columns are drawn to the same scale: what FDBC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
FDBC financial health
Descriptive bands, not a rating. Fiscal 2025.
FDBC balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $792.9M2016 | $2.75B2025 | +14.8%/yr | |
| Total liabilities | $712.3M2016 | $2.51B2025 | +15.0%/yr | |
| Shareholders’ equity | $80.6M2016 | $238.9M2025 | +12.8%/yr | |
| Cash & short-term investments | $155.9M2016 | $323.8M2025 | +8.5%/yr | |
| Total debt | $4.2M2016 | $16.9M2025 | +16.6%/yr | |
| Net cash (debt) | $151.7M2016 | $306.9M2025 | +$155.3M | |
| Working capital | −$554.2M2016 | −$2.13B2025 | −$1.6B | |
| Book value per share | $21.872016 | $41.302025 | +7.3%/yr | |
| Debt / equity | 0.052016 | 0.072025 | +0.02 | |
| Shares outstanding | 3.7M2016 | 5.8M2025 | +5.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
FDBC assets
FDBC liabilities and equity
FDBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
FDBC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $323.8M | $414.8M | $456.0M | $450.0M | $835.9M | $461.8M | $200.8M | $200.3M | $173.2M | $155.9M |
| Cash & equivalents | $148.1M | $83.4M | $111.9M | $29.1M | $96.9M | $69.3M | $15.7M | $17.5M | $15.8M | $25.8M |
| Short-term investments | $175.7M | $331.5M | $344.0M | $420.9M | $739.0M | $392.4M | $185.1M | $182.8M | $157.4M | $130.0M |
| Receivables | $9.7M | $37.5M | $42.7M | $41.7M | $33.8M | $25.8M | $19.6M | $20.3M | $2.8M | $2.2M |
| Inventory | $0 | $0 | $102.9M | $383.1M | −$104.8M | −$75.3M | −$19.3M | $2.0M | $2.8M | −$42.4M |
| Other current assets | $0 | $0 | $0 | $0 | $104.8M | $75.3M | $19.3M | $0 | $0 | $42.4M |
| Total current assets | $333.5M | $452.3M | $498.7M | $491.7M | $869.6M | $487.6M | $220.4M | $220.6M | $176.0M | $158.1M |
| Property, plant & equipment (net) | $58.8M | $45.7M | $43.2M | $41.0M | $29.3M | $35.0M | $27.9M | $19.3M | $16.6M | $17.2M |
| Goodwill & intangible assets | $20.2M | $20.5M | $20.8M | $21.2M | $21.6M | $8.8M | $418,000 | $209,000 | $209,000 | $0 |
| Long-term investments | $523.9M | $557.2M | $568.3M | $643.6M | $739.0M | $392.4M | $185.1M | $182.8M | $157.4M | $130.0M |
| Other non-current assets | $1.81B | $1.51B | $1.37B | $1.18B | $759.6M | $775.7M | $576.1M | $558.3M | $513.5M | $487.6M |
| Total assets | $2.75B | $2.58B | $2.50B | $2.38B | $2.42B | $1.70B | $1.01B | $981.1M | $863.6M | $792.9M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $17.5M | $15.9M | $10.4M | $7.7M | $9.0M | $6.4M | $4.6M |
| Short-term debt | $58,000 | — | $117.0M | $12.9M | $1.6M | $628,000 | $37.8M | $76.4M | $18.5M | $4.2M |
| Deferred revenue | — | — | — | — | $14.3M | $9.8M | — | −$386.1M | — | — |
| Total current liabilities | $2.47B | $2.34B | $2.28B | $2.20B | $15.9M | $1.52B | $881.2M | $855.5M | $755.0M | $712.3M |
| Long-term debt | $6.0M | $6.3M | $7.4M | $7.6M | $10.6M | $5.0M | $286,000 | $336,000 | $0 | $0 |
| Lease obligations | $10.9M | $10.7M | $9.8M | $10.5M | $10.9M | $7.9M | $6.8M | $336,000 | $0 | $0 |
| Other long-term liabilities | $35.8M | $33.6M | $30.9M | $10.5M | $0 | $7.9M | $21.6M | $31.7M | $21.2M | $708.1M |
| Total liabilities | $2.51B | $2.38B | $2.31B | $2.22B | $2.21B | $1.53B | $903.1M | $887.5M | $776.3M | $712.3M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $120.7M | $119.4M | $117.7M | $115.6M | $114.1M | $77.7M | $30.8M | $29.7M | $28.4M | $27.2M |
| Retained earnings (deficit) | $158.8M | $140.1M | $128.3M | $119.8M | $97.4M | $80.0M | $72.4M | $64.9M | $57.2M | $52.1M |
| Treasury stock | — | — | — | −$1.3M | — | — | — | $0 | $0 | $0 |
| Accumulated other comprehensive income | −$40.7M | −$55.6M | −$56.5M | −$71.2M | $179,000 | $9.0M | $3.6M | −$1.1M | $1.8M | −$25.8M |
| Minority interest | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Total shareholders' equity | $238.9M | $204.0M | $189.5M | $162.9M | $211.7M | $166.7M | $106.8M | $93.6M | $87.4M | $80.6M |
| Key figures | ||||||||||
| Total debt | $16.9M | $17.0M | $134.1M | $31.0M | $12.2M | $12.9M | $59.7M | $108.1M | $39.7M | $4.2M |
| Net cash (debt) | $306.9M | $397.8M | $321.9M | $418.9M | $823.6M | $448.8M | $141.1M | $92.2M | $133.5M | $151.7M |
| Working capital | −$2.13B | −$1.89B | −$1.78B | −$1.71B | $853.7M | −$1.03B | −$660.8M | −$634.9M | −$579.1M | −$554.2M |
| Tangible book value | $218.6M | $183.5M | $168.7M | $141.8M | $190.2M | $157.9M | $106.4M | $93.3M | $87.2M | $80.6M |
| Book value per share | $41.30 | $35.33 | $33.14 | $28.69 | $39.48 | $36.10 | $27.95 | $24.65 | $23.36 | $21.87 |
| Shares outstanding | 5.8M | 5.8M | 5.7M | 5.7M | 5.4M | 4.6M | 3.8M | 3.8M | 3.7M | 3.7M |
| Current ratio | 0.14 | 0.19 | 0.22 | 0.22 | 54.55 | 0.32 | 0.25 | 0.26 | 0.23 | 0.22 |
| Quick ratio | 0.14 | 0.19 | 0.22 | 0.22 | 54.55 | 0.32 | 0.25 | 0.26 | 0.23 | 0.22 |
| Debt / equity | 0.07 | 0.08 | 0.71 | 0.19 | 0.06 | 0.08 | 0.56 | 1.16 | 0.45 | 0.05 |
| Equity / assets | 8.7% | 7.9% | 7.6% | 6.9% | 8.8% | 9.8% | 10.6% | 9.5% | 10.1% | 10.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $716.7M | $325.7M | $323.8M | $320.1M | $358.2M | $397.7M | $414.8M | $454.6M | $405.6M | $407.1M | $456.0M | $463.3M |
| Cash & equivalents | $207.7M | $155.0M | $148.1M | $142.2M | $165.5M | $211.2M | $83.4M | $120.2M | $78.1M | $72.7M | $111.9M | $110.5M |
| Short-term investments | $509.0M | $170.7M | $175.7M | $177.9M | $192.8M | $186.5M | $331.5M | $334.4M | $327.5M | $334.4M | $344.0M | $352.8M |
| Receivables | $10.4M | $10.2M | $9.7M | $31.4M | $32.9M | $34.5M | $37.5M | $38.4M | $41.0M | $41.9M | $42.7M | $42.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$88.0M | −$82.1M | $69.3M | −$128.1M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $88.0M | $82.1M | $0 | $128.1M |
| Total current assets | $727.1M | $335.9M | $333.5M | $351.4M | $391.1M | $432.2M | $452.3M | $493.0M | $446.6M | $449.1M | $498.7M | $506.0M |
| Property, plant & equipment (net) | $45.9M | $62.4M | $58.8M | $55.4M | $50.2M | $45.2M | $45.7M | $45.9M | $45.8M | $45.1M | $43.2M | $42.2M |
| Goodwill & intangible assets | $20.1M | $20.2M | $20.2M | $20.3M | $20.4M | $20.4M | $20.5M | $20.6M | $20.6M | $20.7M | $20.8M | $20.9M |
| Long-term investments | $509.0M | $512.3M | $523.9M | $529.3M | $545.8M | $541.0M | $557.2M | $559.8M | $552.5M | $559.0M | $568.3M | $576.7M |
| Other non-current assets | $1.67B | $1.93B | $1.81B | $1.78B | $1.69B | $1.67B | $1.51B | $1.50B | $1.44B | $1.40B | $1.37B | $1.33B |
| Total assets | $2.97B | $2.86B | $2.75B | $2.74B | $2.70B | $2.71B | $2.58B | $2.62B | $2.50B | $2.47B | $2.50B | $2.48B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $16.9M |
| Short-term debt | $119.8M | $10,000 | $58,000 | $20,000 | $10,000 | $10,000 | $895,000 | $25.0M | $98.1M | $25.0M | $117.0M | $124.0M |
| Deferred revenue | — | — | — | — | — | — | — | — | — | — | — | $107.1M |
| Total current liabilities | $2.68B | $2.58B | $2.47B | $2.47B | $2.44B | $2.46B | $2.34B | $2.37B | $2.27B | $2.24B | $2.28B | $2.29B |
| Long-term debt | $4.7M | $4.8M | $6.0M | $6.1M | $6.1M | $6.2M | $6.3M | $6.3M | $7.2M | $7.3M | $7.4M | $7.4M |
| Lease obligations | $10.6M | $10.7M | $10.9M | $11.0M | $11.1M | $11.2M | $10.7M | $10.8M | $10.9M | $11.1M | $9.8M | $10.3M |
| Other long-term liabilities | $34.4M | $33.3M | $35.8M | $34.5M | $39.2M | $36.0M | $33.6M | $34.8M | $30.5M | $29.0M | $30.9M | $11.3M |
| Total liabilities | $2.72B | $2.61B | $2.51B | $2.51B | $2.48B | $2.50B | $2.38B | $2.41B | $2.30B | $2.28B | $2.31B | $2.31B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $121.6M | $121.3M | $120.7M | $120.5M | $120.3M | $120.0M | $119.4M | $119.1M | $118.8M | $118.4M | $117.7M | $117.3M |
| Retained earnings (deficit) | $169.1M | $163.8M | $158.8M | $153.4M | $148.4M | $143.8M | $140.1M | $136.6M | $133.8M | $131.1M | $128.3M | $130.0M |
| Accumulated other comprehensive income | −$37.8M | −$40.3M | −$40.7M | −$44.6M | −$50.7M | −$52.0M | −$55.6M | −$48.5M | −$56.9M | −$57.9M | −$56.5M | −$81.5M |
| Total shareholders' equity | $252.9M | $244.7M | $238.9M | $229.2M | $217.9M | $211.7M | $204.0M | $207.3M | $195.7M | $191.6M | $189.5M | $165.4M |
| Key figures | ||||||||||||
| Total debt | $124.6M | $15.6M | $16.9M | $17.0M | $17.3M | $17.4M | $17.0M | $42.1M | $116.3M | $43.4M | $134.1M | $141.8M |
| Net cash (debt) | $592.1M | $310.1M | $306.9M | $303.0M | $341.0M | $380.3M | $397.8M | $412.5M | $289.3M | $363.8M | $321.9M | $321.6M |
| Working capital | −$1.95B | −$2.24B | −$2.13B | −$2.12B | −$2.04B | −$2.03B | −$1.89B | −$1.87B | −$1.82B | −$1.79B | −$1.78B | −$1.79B |
| Tangible book value | $232.8M | $224.5M | $218.6M | $208.9M | $197.5M | $191.2M | $183.5M | $186.7M | $175.0M | $170.9M | $168.7M | $144.5M |
| Book value per share | $42.85 | $42.30 | $41.30 | $39.63 | $37.83 | $36.75 | $35.26 | $35.88 | $34.05 | $33.35 | $32.39 | $28.90 |
| Shares outstanding | 5.9M | 5.8M | 5.8M | 5.8M | 5.8M | 5.8M | 5.8M | 5.8M | 5.7M | 5.7M | 5.8M | 5.7M |
| Current ratio | 0.27 | 0.13 | 0.14 | 0.14 | 0.16 | 0.18 | 0.19 | 0.21 | 0.20 | 0.20 | 0.22 | 0.22 |
| Quick ratio | 0.27 | 0.13 | 0.14 | 0.14 | 0.16 | 0.18 | 0.19 | 0.21 | 0.20 | 0.20 | 0.22 | 0.22 |
| Debt / equity | 0.49 | 0.06 | 0.07 | 0.07 | 0.08 | 0.08 | 0.08 | 0.20 | 0.59 | 0.23 | 0.71 | 0.86 |
| Equity / assets | 8.5% | 8.6% | 8.7% | 8.4% | 8.1% | 7.8% | 7.9% | 7.9% | 7.8% | 7.8% | 7.6% | 6.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 13, 2026); data from EODHD.
FDBC financial position
At the end of fiscal 2025 (December 31, 2025), Fidelity D & D Bancorp had total assets of $2.7 billion (up 6.3% from a year earlier), total liabilities of $2.5 billion and shareholders' equity of $238.9 million. It held $323.8 million in cash and short-term investments against $16.9 million of debt, a net cash position of $306.9 million. Its current ratio was 0.14. In the latest quarter (ended June 30, 2026) total assets were $3.0 billion and equity $252.9 million.
Related: FDBC income statement, FDBC cash flow statement, FDBC key metrics. See the FDBC stock overview for the latest quote and news.
FDBC balance sheet FAQ
What are Fidelity D & D Bancorp's total assets?
Fidelity D & D Bancorp reported total assets of $2.7 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.6 billion a year earlier.
How much debt does Fidelity D & D Bancorp have?
Fidelity D & D Bancorp had $16.9 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.07.
How much cash does Fidelity D & D Bancorp have?
Fidelity D & D Bancorp held $323.8 million in cash and short-term investments at the end of fiscal 2025; with $16.9 million of debt that is net cash of $306.9 million.
What is Fidelity D & D Bancorp's book value?
Fidelity D & D Bancorp's shareholders' equity (book value) was $238.9 million at the end of fiscal 2025, or $41.30 per share.
What is Fidelity D & D Bancorp's current ratio?
Fidelity D & D Bancorp had current assets of $333.5 million and current liabilities of $2.5 billion, a current ratio of 0.14 (current liabilities exceed current assets).
How much goodwill does Fidelity D & D Bancorp have?
Fidelity D & D Bancorp carried $20.2 million of goodwill and intangible assets, 0.7% of total assets, at the end of fiscal 2025.