The Fidelity Deposit and Discount Bank

The Fidelity Deposit and Discount Bank is headquartered in Dunmore and is the 55^th largest bank in the state of Pennsylvania. It is also the 1,039^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 162 employees at 14 locations. The Fidelity Deposit and Discount Bank has a 4-star health rating.

The Fidelity Deposit and Discount Bank Savings Account Rates

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The Fidelity Deposit and Discount Bank IRA Rates

Data for Q1 2012

Institution Statistics The Fidelity Deposit and Discount Bank FDIC Certificate # 11868 BankRate Report View Year Established 1903 Employees 162 Primary Regulator FDIC Assets and Liabilities Assets $638.46 million Loans $414.24 million Deposits $548.17 million Equity Capital $54.57 million Loan Loss Allowance $8.32 million Unbacked Noncurrent Loans $12.38 million Real Estate Owned $1.97 million Historic Data - March 2011 Assets $595.44 million Equity Capital $47.85 million Loan Loss Allowance $8.22 million Unbacked Noncurrent Loans $10.01 million Real Estate Owned $1.13 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.87% Return on Equity 10.05% Interest Income $6.34 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Fidelity Deposit and Discount Bank had $14.35 million in non-current loans and owned real-estate with $62.89 million in equity and loan loss allowances on hand to cover it. This gives The Fidelity Deposit and Discount Bank a Texas Ratio of 22.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Fidelity Deposit and Discount Bank held steady from 18.71% as of March 31, 2011 to 22.82% as of March 31, 2012, resulting in a negative change of 22.00%. This indicates that the balance sheet and financial strength for The Fidelity Deposit and Discount Bank has held steady in recent periods. Deposit Growth In the past year, The Fidelity Deposit and Discount Bank has increased its total deposits by $34.97 million, resulting in 6.81% 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 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 $638.46 million in assets with $62.89 million in equity, resulting in a capitalization level of 9.85%, which is average.

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