The Fidelity Deposit and Discount Bank: how it compares with its peers
Against 21 PA banks with half to twice its assets, The Fidelity Deposit and Discount Bank's strongest measure in Q2 2026 is efficiency ratio (58.23% vs. a 60.14% peer median). Its weakest relative measure is net interest margin (3.11% vs. 3.75%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.16% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.11% | 3.75% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.23% | 60.14% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $8.1M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.80% | 88.02% | Context |
What it means for lending operations
Its efficiency ratio of 58.23% is better than the 60.14% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- NEXTIER BANK, NATIONAL ASSOCIATION Kittanning, PA · $2.93B
- Wayne Bank Honesdale, PA · $2.91B
- Penn Community Bank Doylestown, PA · $3.07B
- Citizens & Northern Bank Wellsboro, PA · $3.14B
- First Citizens Community Bank Mansfield, PA · $3.19B
- ACNB Bank Gettysburg, PA · $3.30B
Questions about The Fidelity Deposit and Discount Bank
How big is The Fidelity Deposit and Discount Bank?
The Fidelity Deposit and Discount Bank, established in 1903, is headquartered in Dunmore, PA. It reported $2.97B in total assets in its Q2 2026 FDIC call report and operates 23 offices.
What is The Fidelity Deposit and Discount Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.16% median for 21 PA banks with half to twice its assets, ahead of 48% of them.
What is The Fidelity Deposit and Discount Bank's efficiency ratio?
58.23% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 60.14%, and lower is better.
Is The Fidelity Deposit and Discount Bank growing its loans?
Net loans grew 13.8% over the year to Q2 2026, while deposits grew 5.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.