MASHINIi

Fidelity D & D Bancorp, Inc..

FDBC.US | Other monetary intermediation

Fidelity D & D Bancorp, Inc. operates as the bank holding company for Fidelity Deposit and Discount Bank that provides a range of banking and financial services to individuals, families, and businesses in Northeastern Pennsylvania. It accepts various deposit products, including checking, savings, an...Show More

Ethical Profile

Mixed.

Fidelity D & D Bancorp (FDBC.US) shows a mixed ethical record. In 2024, the company faced two data breaches, affecting approximately 107,000 customers with exposed sensitive data, allegedly due to weak authentication. FDBC responded with investigations and credit monitoring, investing $1.7 million in cybersecurity in 2023. The bank allocated $42.3 million to small business loans for 127 businesses and $3.6 million to community development. Its award-winning Lemonade Learning Club helped youth save over $120,000. Environmentally, FDBC reduced emissions from 24,920.50 tCO₂e to 22,081.44 tCO₂e, targeting net-zero by 2050 with solar transitions.

Value Scores

Better Health for All-10
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-60
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech10
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

-10

Fidelity D & D Bancorp, Inc. is a banking and financial services company whose core products and services are health-neutral, leading to a score of 0 for most health-specific KPIs. The company does not offer health-related products or services, engage in activities that directly impact health outcomes, collect health data, or conduct health research. The Fidelity D&D Charitable Foundation supports programs addressing hunger, homelessness, and at-risk populations, and Fidelity Bank provided a PPP loan to The Children's Home of Easton.

1
The company's donations and sponsorships totaled over $1.6 million in 2022.
2
The Fidelity D&D Charitable Foundation has areas of interest including children's programs, elder programming, educational programs, hunger/homelessness/at-risk, and community action programming.
3
Fidelity Bank donated $50,000 to Marywood University, $7,500 to Sisters of IHM, and $2,500 to the Cody Barrasse Memorial Foundation.
4
The Shine Initiative, focused on youth mental health, was born from a conversation at Fidelity Cooperative Bank in 2004 and grew from 17 to 40 schools, reaching tens of thousands of students, teachers, and parents/caregivers.
5
However, there is no quantitative data on the percentage of revenue allocated to health equity programs or health education initiatives, nor is there a clear impact evaluation or reach percentage for these programs relative to the rubric's thresholds. The company's total donations and sponsorships of over $1.6 million in 2022, without a stated revenue figure, cannot be used to calculate a percentage for 'health_equity_programs' or 'healthcare_education' against the rubric's thresholds, which are based on revenue or health-related expenditure.
6
Therefore, the qualitative evidence of limited programs with unverified effectiveness and limited reach maps to a score of -80 for both 'health_equity_programs' and 'healthcare_education'.

Fair Money & Economic Opportunity

0

Fidelity Bank demonstrates strong inclusion initiatives, with 42% of its lending dedicated to local businesses and 28% to community investment programs in 2023.

1
The bank also provided over $159 million in PPP loans, supporting over 36,000 workers.
2
For data accessibility, the bank offers a free Credit Sense tool via its mobile app and online banking, providing access to credit scores and improvement tips.
3
However, there is no evidence of real-time, no-cost APIs or customer data portals. The bank has a spotless fair lending compliance record, having received no complaints since its prior examination in 1997 and stating 100% compliance with all federal and state banking regulations.
4
The bank offers financial literacy resources, including videos and articles, and launched the Lemonade Learning Club for youth, which helped children save over $120,000.
5
However, the reach and outcomes for a broader customer base are not specified. For geographic inclusion, the bank operates 21 branches and 15 ATMs across Northeastern Pennsylvania and the Lehigh Valley, but the percentage of service points in underserved areas is approximately 35%.
6
The bank offers digital banking options and a digital PPP portal, but product simplicity is not explicitly measured against readability standards, with no specific grade level provided for product terms.
7

Fair Pay & Worker Respect

0

The company's voluntary employee turnover rate was 15% in 2024, indicating high retention. Employee engagement is moderate, with 67% of employees recommending working at Fidelity Bank to a friend and an overall employee rating of 3.7 out of 5 stars.

1
However, some employee reviews mention low pay and political decision-making over merit.
2

Fair Trade & Ethical Sourcing

0

No quantitative data was found in the provided articles to assess Fidelity D & D Bancorp, Inc. against any of the Fair Trade & Ethical Sourcing KPIs.

1
While supplier policies and a code of conduct are mentioned, these documents do not provide specific metrics such as fair-trade certification percentages, audit frequencies, numbers of labor incidents, traceability coverage, remediation speeds, ethical clause coverage percentages, materials risk index, or supplier diversity spend.
2

Honest & Fair Business

0

No evidence available to assess Fidelity D & D Bancorp, Inc. on Honest & Fair Business.

Kind to Animals

0

No evidence available to assess Fidelity D & D Bancorp, Inc. on Kind to Animals.

No War, No Weapons

0

No evidence was available from the provided article to assess Fidelity D & D Bancorp, Inc. against the 'No War, No Weapons' ethical value.

1
The article content was inaccessible, preventing any data extraction for the specified KPIs.
2

Planet-Friendly Business

-60

The company reported total Scope 1, 2, and 3 greenhouse gas emissions of 22,081.44 tCO₂e in 2024, a decrease of 11.39% from 24,920.50 tCO₂e in 2023.

1
It has set targets aligned with the Science Based Targets initiative (SBTi) methodology, aiming for a 33.6% reduction in operational carbon emissions by 2028 (2023 baseline) and net-zero emissions by 2050, but validation is pending.
2
The company's 2024 capital expenditure showed 0% alignment with the EU Sustainable Taxonomy.
3
A zero-deforestation procurement policy is mentioned, but no implementation details are provided.
4
No environmental compliance violations were reported in 2024.
5
The company's report is aligned with TCFD recommendations, and it details a climate scenario analysis using IPCC and NGFS scenarios.
6

Respect for Cultures & Communities

0

No evidence available to assess Fidelity D & D Bancorp, Inc. on Respect for Cultures & Communities.

Safe & Smart Tech

10

Fidelity D & D Bancorp, Inc. stated in its 2025-03-13 10-K filing that no significant compromise, data loss, or financial loss has occurred to date.

1
In 2023, the company invested $1.7 million in cybersecurity, which represented 4.2% of its total technology budget.
2
This investment included advanced threat detection systems that reduced potential breaches by 62%.
3
The company maintains 100% compliance with federal and state banking regulations, including the California Consumer Privacy Act, and mentions compliance with the FFIEC handbook and NIST CSF.
4
Fidelity Bank uses encryption for all online banking services.
5
The company also has a continuous vulnerability management program and conducts third-party penetration testing and internal/external vulnerability assessments.
6
It implements a user awareness program with regular social engineering testing and training.
7
For authentication, the company advises users to select strong, unique passwords, change them frequently, and not save them on devices or websites.
8
It also recommends logging off banking applications when done and controlling physical access to personal computers.
9

Zero Waste & Sustainable Products

0

No specific, concrete data points or initiatives related to waste diversion, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design, waste reduction initiatives, hazardous waste management, product durability, repairability, waste audit frequency, zero waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education were found for Fidelity D & D Bancorp, Inc. (FDBC.US) in the provided articles.

1
Several articles explicitly state a significant data gap regarding these topics for FDBC.US, and information pertaining to other 'Fidelity Bank' entities (e.g., in Nigeria or Ghana) is not applicable to FDBC.US.
2

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.