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800-388-4380
Blakely And Drinker Streets
Dunmore, PA 18512

The Fidelity Deposit and Discount Bank is headquartered in Dunmore and is the 58th largest bank in the state of Pennsylvania. It is also the 1,044th largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 167 employees at 14 locations. The Fidelity Deposit and Discount Bank has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Fidelity Deposit and Discount Bank had $5.77 million in non-current loans and owned real-estate with $76.18 million in equity and loan loss allowances on hand to cover it. This gives The Fidelity Deposit and Discount Bank a Texas Ratio of 7.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for The Fidelity Deposit and Discount Bank decreased dramatically from 18.36% as of March 31, 2013 to 7.57% as of March 31, 2014, resulting in a positive change of 58.76%.This indicates that the balance sheet and financial strength for The Fidelity Deposit and Discount Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, The Fidelity Deposit and Discount Bank has increased its total deposits by $40.46 million, resulting in 7.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Fidelity Deposit and Discount Bank has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Fidelity Deposit and Discount Bank has $653.39 million in assets with $76.18 million in equity, resulting in a capitalization level of 11.66%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #11868
Year Established1903
Employees167
Primary RegulatorFDIC
Assets and Liabilities
Assets$653.39 million
Loans$475.71 million
Deposits$554.92 million
Equity Capital$67.28 million
Loan Loss Allowance$8.90 million
Unbacked Noncurrent Loans$3.27 million
Real Estate Owned$2.50 million
Historic Data - March 2013
Assets$606.69 million
Equity Capital$59.44 million
Loan Loss Allowance$8.24 million
Unbacked Noncurrent Loans$3.27 million
Real Estate Owned$2.30 million
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets1%
Return on Equity9.62%
Interest Income$6.11 million
Rates
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The Fidelity Deposit and Discount Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$50k$1mChoice Performance Savings
0.10%$100-Optimum Choice Savings
0.10%$100-Statement Savings
0.10%--Scholar Savings
0.10%--Christmas Club
0.10%--All Purpose Club

The Fidelity Deposit and Discount Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$2,500-Choice Money Market
0.05%$2,500-Advantage Money Market
0.05%$2,500-Money Market Deposit Account

The Fidelity Deposit and Discount Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.25%$1k-120 Month CD
1.00%$1k-60 Month CD
0.85%$1k-48 Month CD
0.70%$1k-36 Month CD
0.50%$1k-24 Month CD
0.40%$1k-18 Month CD
0.20%$1k-6 Month CD
0.20%$1k-9 Month CD
0.20%$1k-12 Month CD
0.10%$1k-3 Month CD

The Fidelity Deposit and Discount Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$250-60 Month IRA
0.85%$250-48 Month IRA
0.70%$250-36 Month IRA
0.70%$50-36 Month Variable IRA
0.65%$250-30 Month IRA
0.50%$250-24 Month IRA
0.40%$250-18 Month IRA
0.20%$250-6 Month IRA
0.20%$250-9 Month IRA
0.20%$250-12 Month IRA
Locations

The Fidelity Deposit and Discount Bank has 14 locations. Click to view all The Fidelity Deposit and Discount Bank locations.