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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2025

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the transition period from ______________to______________________

Commission file number: 001-38229

FIDELITY D & D BANCORP, INC.

STATE OF INCORPORATION:	IRS EMPLOYER IDENTIFICATION NO:
Pennsylvania	23-3017653

Address of principal executive offices:

Blakely & Drinker St.

Dunmore, Pennsylvania 18512

TELEPHONE: 570-342-8281

SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:

Title of each class	Trading Symbols(s)	Name of each exchange on which registered
Common stock, without par value	FDBC	The NASDAQ Stock Market, LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subjected to such filing requirements for the past 90 days. ☒ Yes ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer ☐

Non-accelerated filer ☐

Accelerated filer ☒

Smaller reporting company ☒

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). ☐ Yes ☒ No

The number of outstanding shares of Common Stock of Fidelity D & D Bancorp, Inc. on October 31, 2025, the latest practicable date, was 5,767,286 shares.

Table of Contents

FIDELITY D & D BANCORP, INC.

Form 10-Q September 30, 2025

Index

Part I. Financial Information		Page
Item 1.	Financial Statements (unaudited):
	Consolidated Balance Sheets as of September 30, 2025 and December 31, 2024	3
	Consolidated Statements of Income for the three months and nine months ended September 30, 2025 and 2024	4
	Consolidated Statements of Comprehensive Income for the three and nine months ended September 30, 2025 and 2024	5
	Consolidated Statements of Changes in Shareholders’ Equity for the three and nine months ended September 30, 2025 and 2024	6
	Consolidated Statements of Cash Flows for the nine months ended September 30, 2025 and 2024	8
	Notes to Consolidated Financial Statements (Unaudited)	10
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	35
Item 3.	Quantitative and Qualitative Disclosure about Market Risk	56
Item 4.	Controls and Procedures	59

Part II. Other Information
Item 1.	Legal Proceedings	59
Item 1A.	Risk Factors	59
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	59
Item 3.	Defaults upon Senior Securities	59
Item 4.	Mine Safety Disclosures	59
Item 5.	Other Information	59
Item 6.	Exhibits	60
Signatures		62

Table of Contents

PART I – Financial Information

Item 1: Financial Statements

Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Balance Sheets

(Unaudited)
(dollars in thousands)	*September 30, 2025*			December 31, 2024
Assets:
Cash and due from banks	$	28,891		$	26,269
Interest-bearing deposits with financial institutions		113,270			57,084
Total cash and cash equivalents		142,161			83,353
Available-for-sale securities		302,326			331,457
Held-to-maturity securities (fair value of $200,650 in 2025; $194,575 in 2024)		226,937			225,764
Restricted investments in bank stock		4,301			3,961
Loans and leases, net (allowance for credit losses of $20,218 in 2025; $19,666 in 2024)		1,893,815			1,779,136
Loans held-for-sale (fair value $879 in 2025; $2,089 in 2024)		860			2,054
Foreclosed assets held-for-sale		420			430
Bank premises and equipment, net		45,422			35,914
Leased property under finance leases, net		809			975
Right-of-use assets		9,141			8,785
Cash surrender value of bank owned life insurance		58,995			58,069
Accrued interest receivable		10,175			9,632
Goodwill		19,628			19,628
Core deposit intangible, net		675			876
Other assets		21,085			24,582
Total assets	$	2,736,750		$	2,584,616
Liabilities:
Deposits:
Interest-bearing	$	1,927,795		$	1,806,885
Non-interest-bearing		539,118			533,935
Total deposits		2,466,913			2,340,820
Allowance for credit losses on off-balance sheet credit exposures		1,129			1,084
Finance lease obligation		845			1,011
Operating lease liabilities		10,122			9,714
Short-term borrowings		20			-
Secured borrowings		6,059			6,266
Accrued interest payable and other liabilities		22,415			21,752
Total liabilities		2,507,503			2,380,647

Shareholders' equity:
Preferred stock authorized 5,000,000 shares with no par value; none issued		-			-
Capital stock, no par value (10,000,000 shares authorized; shares issued and outstanding; 5,767,288 at September 30, 2025; and 5,736,252 at December 31, 2024)		120,542			119,430
Retained earnings		153,375			140,113
Accumulated other comprehensive loss		(44,583	)		(55,574	)
Treasury stock, at cost (2,283 shares at September 30, 2025 and 54 shares at December 31, 2024)		(87	)		-
Total shareholders' equity		229,247			203,969
Total liabilities and shareholders' equity	$	2,736,750		$	2,584,616

See notes to unaudited consolidated financial statements

Table of Contents

Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Statements of Income

(Unaudited)	Three months ended						Nine months ended
(dollars in thousands except per share data)	*September 30, 2025*			September 30, 2024			*September 30, 2025*			September 30, 2024
Interest income:
Loans and leases:
Taxable	$	25,277		$	22,719		$	72,579		$	64,940
Nontaxable		1,382			1,317			4,004			3,745
Interest-bearing deposits with financial institutions		1,063			216			3,347			1,032
Restricted investments in bank stock		98			88			242			244
Investment securities:
U.S. government agency and corporations		1,508			1,423			4,488			4,372
States and political subdivisions (nontaxable)		946			1,093			2,836			3,301
States and political subdivisions (taxable)		408			443			1,259			1,329
Total interest income		30,682			27,299			88,755			78,963
Interest expense:
Deposits		12,158			11,297			35,083			31,697
Secured borrowings		95			101			281			342
Short-term borrowings		-			470			-			1,433
Total interest expense		12,253			11,868			35,364			33,472
Net interest income		18,429			15,431			53,391			45,491
Provision for credit losses on loans		200			675			955			1,075
Net provision for credit losses on unfunded loan commitments		110			135			45			225
Net interest income after provision for credit losses		18,119			14,621			52,391			44,191
Other income:
Service charges on deposit accounts		1,081			1,021			3,099			2,923
Interchange fees		1,305			1,202			3,945			3,691
Service charges on loans		265			392			1,028			977
Fees from trust fiduciary activities		1,052			924			3,066			2,657
Fees from financial services		284			300			823			863
Fees and other revenue		508			510			1,549			1,269
Earnings on bank-owned life insurance		399			394			1,179			1,100
Gain (loss) on write-down, sale or disposal of:
Loans		209			240			1,270			688
Available-for-sale debt securities		3			-			(819	)		-
Premises and equipment		(1	)		(4	)		297			(1	)
Total other income		5,105			4,979			15,437			14,167
Other expenses:
Salaries and employee benefits		7,765			7,173			23,161			21,233
Premises and equipment		2,395			2,224			7,238			6,555
Data processing and communication		740			707			2,200			2,164
Advertising and marketing		413			493			2,058			1,637
Professional services		1,019			1,032			2,947			3,286
Automated transaction processing		472			472			1,410			1,383
Office supplies and postage		160			162			564			555
PA shares tax expense		420			389			662			804
Loan collection		86			28			187			82
Other real estate owned, net		10			3			(47	)		(10	)
FDIC assessment		313			314			920			914
Other		839			843			2,596			2,543
Total other expenses		14,632			13,840			43,896			41,146
Income before income taxes		8,592			5,760			23,932			17,212
Provision for income taxes		1,246			793			3,674			2,252
Net income	$	7,346		$	4,967		$	20,258		$	14,960
Per share data:
Net income - basic	$	1.27		$	0.87		$	3.51		$	2.61
Net income - diluted	$	1.27		$	0.86		$	3.50		$	2.59
Dividends	$	0.40		$	0.38		$	1.20		$	1.14

See notes to unaudited consolidated financial statements

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Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Statements of Comprehensive Income
(Unaudited)	Three months ended September 30,						Nine months ended September 30,
(dollars in thousands)	*2025*			2024			*2025*			2024

Net income	$	7,346		$	4,967		$	20,258		$	14,960

Other comprehensive income (loss), before tax:
Unrealized holding gain on available-for-sale debt securities		7,139			10,134			11,295			8,388
Reclassification adjustment for net (gains) losses realized in income		(3	)		-			819			-
Amortization of unrealized loss on held-to-maturity securities		605			591			1,798			1,758
Net unrealized gain		7,741			10,725			13,912			10,146
Tax effect		(1,625	)		(2,252	)		(2,921	)		(2,131	)
Unrealized gain, net of tax		6,116			8,473			10,991			8,015
Other comprehensive income, net of tax		6,116			8,473			10,991			8,015
Total comprehensive income, net of tax	$	13,462		$	13,440		$	31,249		$	22,975

See notes to unaudited consolidated financial statements

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Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Statements of Changes in Shareholders' Equity

For the Nine Months Ended September 30, 2025 and 2024
(Unaudited)									Accumulated
									other
	Capital stock					Retained			comprehensive			Treasury
(dollars in thousands)	Shares			Amount		earnings			income (loss)			Stock			Total
Balance, December 31, 2023		5,703,636		$	117,695	$	128,251		$	(56,467	)	$	-		$	189,479
Net income		-			-		14,960			-			-			14,960
Other comprehensive income		-			-		-			8,015			-			8,015
Issuance of common stock through Employee Stock Purchase Plan		6,764			280		-			-			-			280
Re-issuance of common stock through Dividend Reinvestment Plan		1,645			4		-			-			79			83
Forfeited restricted dividend reinvestment shares		(25	)		-		-			-			-			-
Issuance of common stock from vested restricted share grants through stock compensation plans		25,611			-		-			-			-			-
Stock-based compensation expense		-			1,133		-			-			-			1,133
Repurchase of shares to cover withholdings		(1,606	)		-		-			-			(79	)		(79	)
Cash dividends declared		-			-		(6,610	)		-			-			(6,610	)
Balance, September 30, 2024		5,736,025		$	119,112	$	136,601		$	(48,452	)	$	-		$	207,261

Balance, December 31, 2024		5,736,252		$	119,430	$	140,113		$	(55,574	)	$	-		$	203,969
Net income		-			-		20,258			-			-			20,258
Other comprehensive income		-			-		-			10,991			-			10,991
Issuance of common stock through Employee Stock Purchase Plan		5,406			248		-			-			-			248
Forfeited restricted dividend reinvestment shares		(261	)		-		-			-			-			-
Issuance of common stock from vested restricted share grants through stock compensation plans		27,859			-		-			-			-			-
Stock-based compensation expense		-			864		-			-			-			864
Repurchase of shares to cover withholdings		(1,968	)		-		-			-			(87	)		(87	)
Cash dividends declared		-			-		(6,996	)		-			-			(6,996	)
Balance, September 30, 2025		5,767,288		$	120,542	$	153,375		$	(44,583	)	$	(87	)	$	229,247

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Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Statements of Changes in Shareholders' Equity

For the Three Months Ended September 30, 2025 and 2024
(Unaudited)									Accumulated
									other
	Capital stock					Retained			comprehensive			Treasury
(dollars in thousands)	Shares			Amount		earnings			income (loss)			Stock			Total
Balance, June 30, 2024		5,735,728		$	118,777	$	133,840		$	(56,925	)	$	-		$	195,692
Net income		-			-		4,967			-			-			4,967
Other comprehensive income		-			-		-			8,473			-			8,473
Forfeited restricted dividend reinvestment shares		(10	)		-		-			-			-			-
Issuance of common stock from vested restricted share grants through stock compensation plans		307			-		-			-			-			-
Stock-based compensation expense		-			335		-			-			-			335
Cash dividends declared		-			-		(2,206	)		-			-			(2,206	)
Balance, September 30, 2024		5,736,025		$	119,112	$	136,601		$	(48,452	)	$	-		$	207,261


Balance, June 30, 2025		5,767,490		$	120,333	$	148,365		$	(50,699	)	$	(87	)	$	217,912
Net income		-			-		7,346			-			-			7,346
Other comprehensive income		-			-		-			6,116			-			6,116
Forfeited restricted dividend reinvestment shares		(202	)		-		-			-			-			-
Stock-based compensation expense		-			209		-			-			-			209
Cash dividends declared		-			-		(2,336	)		-			-			(2,336	)
Balance, September 30, 2025		5,767,288		$	120,542	$	153,375		$	(44,583	)	$	(87	)	$	229,247

See notes to unaudited consolidated financial statements

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Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Statements of Cash Flows

(Unaudited)	Nine months ended September 30,
(dollars in thousands)	*2025*			2024

Cash flows from operating activities:
Net income	$	20,258		$	14,960
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion		4,197			4,257
Provision for credit losses on loans		955			1,075
Net provision for credit losses on unfunded loan commitments		45			225
Deferred income tax benefit		(1,375	)		(1,233	)
Stock-based compensation expense		864			1,133
Proceeds from sale of loans held-for-sale		49,503			44,944
Originations of loans held-for-sale		(41,307	)		(43,807	)
Earnings from bank-owned life insurance		(1,179	)		(1,100	)
Gain from bank-owned life insurance claim		(166	)		-
Net gain from sales of loans		(1,270	)		(688	)
Net loss from sales of investment securities		819			-
Net gain from sale and write-down of foreclosed assets held-for-sale		(76	)		(13	)
Net (gain) loss from write-down and disposal of bank premises and equipment		(297	)		1
Operating lease payments		52			43
Change in:
Accrued interest receivable		(543	)		(711	)
Other assets		1,542			1,469
Accrued interest payable and other liabilities		662			2,544
Net cash provided by operating activities		32,684			23,099

Cash flows from investing activities:
Available-for-sale securities:
Proceeds from sales		39,169			-
Proceeds from maturities, calls and principal pay-downs		19,612			17,469
Purchases		(20,192	)		(1,490	)
Increase in restricted investments in bank stock		(340	)		(39	)
Net increase in loans and leases		(123,902	)		(112,915	)
Principal portion of lease payments received under direct finance leases		2,577			3,362
Purchase of bank-owned life insurance policies		-			(2,000	)
Purchases of bank premises and equipment		(12,092	)		(4,076	)
Proceeds from death benefits received on bank-owned life insurance		419			-
Proceeds from sale of bank premises and equipment		623			19
Proceeds from sale of foreclosed assets held-for-sale		533			243
Net cash used in investing activities		(93,593	)		(99,427	)

Cash flows from financing activities:
Net increase in deposits		126,901			184,085
Net decrease in borrowings		(184	)		(93,048	)
Repayment of finance lease obligation		(165	)		(163	)
Proceeds from employee stock purchase plan participants		248			280
Repurchase of shares to cover withholdings		(87	)		(79	)
Dividends paid, net of dividends reinvested		(6,996	)		(6,527	)
Net cash provided by financing activities		119,717			84,548
Net increase in cash and cash equivalents		58,808			8,220
Cash and cash equivalents, beginning		83,353			111,949

Cash and cash equivalents, ending	$	142,161		$	120,169

See notes to unaudited consolidated financial statements

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Fidelity D & D Bancorp, Inc. and Subsidiary

Consolidated Statements of Cash Flows (continued)

	Nine months ended September 30,
(dollars in thousands)	*2025*		2024
Supplemental Disclosures of Cash Flow Information
Cash payments for:
Interest	$	34,464	$	32,080
Income tax
Federal taxes		4,515		3,050
State taxes		55		41
Supplemental Disclosures of Non-cash Investing Activities:
Net change in unrealized losses on available-for-sale securities		11,295		8,388
Amortization of unrealized losses on securities transferred from available-for-sale to held-to-maturity		1,798		1,758
Transfers from loans to foreclosed assets held-for-sale		448		668
Transfers from loans to loans held-for-sale, net		4,884		706
Transfers from premises and equipment to other assets held-for-sale		-		268
Net change in right-of-use asset		601		1,391
Net change in lease liability		601		1,483

See notes to unaudited consolidated financial statements

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FIDELITY D & D BANCORP, INC.

Notes to Consolidated Financial Statements

(Unaudited)

1. Nature of operations and critical accounting policies

Nature of operations

Fidelity D & D Bancorp, Inc. (the Company) is a bank holding company and the parent of The Fidelity Deposit and Discount Bank (the Bank). The Bank is a commercial bank and trust company chartered under the laws of the Commonwealth of Pennsylvania and a wholly-owned subsidiary of the Company. Having commenced operations in 1903, the Bank is committed to providing superior customer service, while offering a full range of banking products and financial and trust services to both our consumer and commercial customers from our main office located in Dunmore and other branches located throughout Lackawanna, Northampton and Luzerne Counties and Wealth Management offices in Schuylkill and Lebanon Counties.

Principles of consolidation

The accompanying unaudited consolidated financial statements of the Company and the Bank have been prepared in accordance with accounting principles generally accepted in the United States of America (U.S. GAAP) for interim financial information and with the instructions to this Form 10-Q and Rule 8-03 of Regulation S-X. Accordingly, they do not include all of the information and footnote disclosures required by GAAP for complete financial statements. In the opinion of management, all normal recurring adjustments necessary for a fair presentation of the financial condition and results of operations for the periods have been included. All significant inter-company balances and transactions have been eliminated in consolidation.

For additional information and disclosures required under U.S. GAAP, refer to the Company’s Annual Report on Form 10-K for the year ended December 31, 2024.

Management is responsible for the fairness, integrity and objectivity of the unaudited financial statements included in this report. Management prepared the unaudited financial statements in accordance with U.S. GAAP. In meeting its responsibility for the financial statements, management depends on the Company's accounting systems and related internal controls. These systems and controls are designed to provide reasonable but not absolute assurance that the financial records accurately reflect the transactions of the Company, the Company’s assets are safeguarded and that the financial statements present fairly the financial condition and results of operations of the Company.

In the opinion of management, the consolidated balance sheets as of September 30, 2025 and December 31, 2024 and the related consolidated statements of income, consolidated statements of comprehensive income, consolidated statements of changes in shareholders’ equity for the three and nine months ended September 30, 2025 and 2024 and consolidated statements of cash flows for the nine months ended September 30, 2025 and 2024 present fairly the financial condition and results of operations of the Company. All material adjustments required for a fair presentation have been made. These adjustments are of a normal recurring nature.

In preparing these consolidated financial statements, the Company evaluated the events and transactions that occurred after September 30, 2025 through the date these consolidated financial statements were issued.

This Quarterly Report on Form 10-Q should be read in conjunction with the Company’s audited financial statements for the year ended December 31, 2024, and the notes included therein, included within the Company’s Annual Report filed on Form 10-K.

Critical accounting estimates

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reported periods. Actual results could differ from those estimates.

A material estimate is the calculation of fair values of the Company’s investment securities. Fair values of investment securities are determined by pricing provided by a third-party vendor, who is a provider of financial market data, analytics and related services to financial institutions. Based on experience, management is aware that estimated fair values of investment securities tend to vary among valuation services. Accordingly, when buying or selling investment securities, price quotes may be obtained from more than one source. All of the Company’s debt securities are classified as available-for-sale (AFS) or held-to-maturity (HTM). AFS debt securities are carried at fair value on the consolidated balance sheets, with unrealized gains and losses, net of income tax, reported separately within shareholders’ equity as a component of accumulated other comprehensive income (AOCI). Debt securities, for which the Company has the positive intent and ability to hold to maturity, are reported at amortized cost. On occasion, the Company may transfer securities from AFS to HTM at fair value on the date of transfer.

Another material estimate that is particularly susceptible to significant change relates to the determination of the allowance for credit losses. Management believes that the allowance for credit losses at September 30, 2025 is adequate and reasonable to cover expected losses. Given the subjective nature of identifying and estimating loan losses, it is reasonably possible that well-informed individuals could make different assumptions and could, therefore, calculate a materially different allowance amount. While management uses available information to recognize losses on loans, changes in current economic conditions and reasonable and supportable forecasts may necessitate revisions in the future. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for credit losses. Such agencies may require the Company to recognize adjustments to the allowance based on their judgment of information available to them at the time of their examination.

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Management continually evaluates the credit quality of the Company’s loan portfolio and performs a formal review of the adequacy of the allowance for credit losses (ACL) on a quarterly basis. The allowance reflects management’s best estimate of the amount of credit losses in the loan portfolio. When estimating the net amount expected to be collected, management considers the effects of past events, current conditions, and reasonable and supportable forecasts of the collectability of the Company’s financial assets. Those estimates may be susceptible to significant change. Credit losses are charged directly against the allowance when loans are deemed to be uncollectible. Recoveries from previously charged-off loans are added to the allowance when received.

The methodology to analyze the adequacy of the ACL is based on seven primary components:

●

Data: The quality of the Company’s data is critically important as a foundation on which the ACL estimate is generated. For its estimate, the Company uses both internal and external data with a preference toward internal data where possible. Data is complete, accurate, and relevant, and subjected to appropriate governance and controls.

●

Segmentation: Financial assets are segmented based on similar risk characteristics.

●

Estimated term of financial assets: The estimated term of financial assets is a significant driver of ACL estimates. Financial assets or pools of financial assets with shorter estimated maturities typically result in a lower reserve than those with longer estimated maturities. As the average life of a financial asset or pool of assets increases, there generally is a corresponding increase to the ACL estimate because the likelihood of default is considered over a longer time frame. As such, pool-based assumptions for a pool’s estimated term (i.e., average life) are based on the contractual maturity of the financial assets within the pool and adjusted in accordance with GAAP, if appropriate. Key assumptions for the estimated term of financial assets are prepayment rates for amortizing financial assets and curtailment rates for non-amortizing financial assets.

●

Credit loss measurement method: Multiple measurement methods for estimating ACLs are allowable per measurement of credit losses on loans and leases (ASC Topic 326). The Company applies different estimation methods to different groups of financial assets. The discounted cash flow method is used for the Commercial & Industrial, Commercial Real Estate Non-Owner Occupied, Commercial Real Estate Owner Occupied, Commercial Construction, Home Equity Installment Loan, Home Equity Line of Credit, Residential Real Estate, and Residential Construction pools. The weighted average remaining maturity (WARM) method is used for the Municipal, Non-Recourse Auto, Recourse Auto, Direct Finance Lease, and Consumer Other pools.

●

Reasonable and supportable forecasts: ASC Topic 326 requires Management to consider reasonable and supportable forecasts that affect expected collectability of financial assets. As such, the Company’s forecasts incorporate anticipated changes in the economic environment that may affect credit loss estimates over a time horizon when Management can reasonably support and document expectations. Forward-looking information may reflect positive or negative expectations relative to the current environment. As of the reporting date, management is using the median Federal Open Market Committee (FOMC) National Gross Domestic Product (GDP) and Unemployment Rate forecasts as well as the Federal Housing Finance Agency (FHFA) House Price Index (HPI) for its reasonable and supportable forecasts. The Company currently uses a 12 month (4 quarter) reasonable and supportable forecast period.

	●	Reversion period: ASC Topic 326 does not require management to estimate a reasonable and supportable forecast for the entire estimated life of financial assets. Management may apply reversion techniques for the estimated life remaining after considering the reasonable and supportable forecast period, which allows Management to apply a historical loss rate to latter periods of the financial asset’s life. The Company currently uses a 12 month (4 quarter) straight-line reversion period.
	●	Qualitative factor adjustments: The Company’s ACL estimate considers all significant factors relevant to the expected collectability of its financial assets as of the reporting date; Qualitative factors reflect the impact of conditions not captured elsewhere, such as the historical loss data or within the economic forecast. The qualitative considerations can be captured directly within measurement models or as additional components in the overall ACL methodologies. Currently, the Company uses the following qualitative factors:

	o	levels of and trends in delinquencies and non-accrual loans;
	o	levels of and trends in charge-offs and recoveries;
	o	trends in volume and terms of loans;
	o	changes in risk selection and underwriting standards;
	o	changes in lending policies and legal and regulatory requirements;
	o	experience, ability and depth of lending management;
	o	national and local economic trends and conditions;
	o	changes in credit concentrations; and
	o	changes in underlying collateral.

Assets are evaluated on a collective (or pool) basis or individually, as applicable consistent with ASC Topic 326. In accordance with ASC Topic 326, the Company will evaluate individual instruments for expected credit losses when those instruments do not share similar risk characteristics with instruments evaluated using a collective (pooled) basis. In contrast to legacy accounting standards, this criterion is broader than the “impairment” concept as management may evaluate assets individually even when no specific expectation of collectability is in place. Instruments will not be included in both collective and individual analysis. Individual analysis will establish a specific reserve for instruments in scope.

For individually evaluated assets, an ACL is determined separately for each financial asset. As of the reporting date, the Company is using the collateral and cash flow methods.

ASC Topic 326 defines a collateral-dependent asset as a financial asset for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower, based on Management’s assessment, is experiencing financial difficulty. The ACL for a collateral-dependent loan is measured using the fair value of collateral, regardless of whether foreclosure is probable. The fair value of collateral must be adjusted for estimated costs to sell if repayment or satisfaction of the asset depends on the sale of the collateral. If repayment is dependent only on the operation of the collateral, and not on the sale of the collateral, the fair value of the collateral would not be adjusted for estimated costs to sell. If the fair value of the collateral, adjusted for costs to sell if applicable, is less than the amortized cost basis of the collateral-dependent asset, the difference is recorded as an ACL.

The Company’s policy is to charge-off unsecured consumer loans when they become 90 days or more past due as to principal and interest. In the other portfolio segments, amounts are charged-off at the point in time when the Company deems the balance, or a portion thereof, to be uncollectible.

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If the individually evaluated asset is determined to not be collateral dependent, the ACL is measured based on the expected cash flows. This measurement is based on the amount and timing of cash flows; the effective interest rate (EIR) is used to discount the cash flows; and the basis for the determination of cash flows, including consideration of past events, current conditions, and reasonable and supportable forecasts about the future. These cash flows are discounted back by the EIR and compared to the amortized cost basis of the asset. If the present value of cash flows is less than the amortized cost, an ACL is recorded. When the present value of cash flows is equal to or greater than the amortized cost, no ACL is recorded.

An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies.

2. New accounting pronouncements

In November 2024, FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses, which requires disclosure in the notes to the financial statements of specified information about certain costs and expenses. The amendments are effective for fiscal years beginning after December 15, 2026, and for interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. The amendments should be applied either prospectively to financial statements issued for reporting periods after the effective date of this ASU or retrospectively to any or all prior periods presented in the financial statements. The Company is currently evaluating the new guidance to determine the impact it may have on its consolidated financial statements and related disclosures but expects additional disclosures upon adoption.

3. Accumulated other comprehensive income

The following tables illustrate the changes in accumulated other comprehensive income by component and the details about the components of accumulated other comprehensive income as of and for the periods indicated:

As of and for the three months ended September 30, 2025

Unrealized gains

(losses) on

Securities

available-for-sale

transferred to

(dollars in thousands)

debt securities

held-to-maturity

Total

Beginning balance

(37,799

)

(12,900

)

(50,699

)

Other comprehensive income before reclassifications, net of tax

5,640

Amounts reclassified from accumulated other comprehensive income (loss), net of tax

)

478

476

Net current-period other comprehensive income

5,638

478

6,116

Ending balance

(32,161

)

(12,422

)

(44,583

)

As of and for the nine months ended September 30, 2025

Unrealized gains

(losses) on

Securities

available-for-sale

transferred to

(dollars in thousands)

debt securities

held-to-maturity

Total

Beginning balance

(41,731

)

(13,843

)

(55,574

)

Other comprehensive income before reclassifications, net of tax

8,923

Amounts reclassified from accumulated other comprehensive income, net of tax

647

1,421

2,068

Net current-period other comprehensive income

9,570

1,421

10,991

Ending balance

(32,161

)

(12,422

)

(44,583

)

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As of and for the three months ended September 30, 2024
	Unrealized gains
	(losses) on			Securities
	available-for-sale			transferred to
(dollars in thousands)	debt securities			held-to-maturity			Total
Beginning balance	$	(42,139	)	$	(14,786	)	$	(56,925	)

Other comprehensive income before reclassifications, net of tax		8,006			-			8,006
Amounts reclassified from accumulated other comprehensive income, net of tax		-			467			467
Net current-period other comprehensive income		8,006			467			8,473
Ending balance	$	(34,133	)	$	(14,319	)	$	(48,452	)

As of and for the nine months ended September 30, 2024
	Unrealized gains
	(losses) on			Securities
	available-for-sale			transferred to
(dollars in thousands)	securities			held-to-maturity			Total
Beginning balance	$	(40,760	)	$	(15,707	)	$	(56,467	)

Other comprehensive income before reclassifications, net of tax		6,627			-			6,627
Amounts reclassified from accumulated other comprehensive income, net of tax		-			1,388			1,388
Net current-period other comprehensive income		6,627			1,388			8,015
Ending balance	$	(34,133	)	$	(14,319	)	$	(48,452	)

Details about accumulated other		Amount reclassified from accumulated											Affected line item in the statement
comprehensive income components		other comprehensive income											where net income is presented
	For the three months ended September 30,						For the nine months ended September 30,
(dollars in thousands)	*2025*			2024			*2025*			2024

Realized gains (losses) on AFS debt securities	$	3		$	-		$	(819	)	$	-		Gain (loss) on sale of investment securities
Amortization of unrealized loss on held-to-maturity securities		(605	)		(591	)		(1,798	)		(1,758	)	Interest income on investment securities
Total reclassifications for the period		(602	)		(591	)		(2,617	)		(1,758	)	Income before income taxes
Income tax effect		126			124			549			370		Provision for income taxes
Total reclassifications for the period	$	(476	)	$	(467	)	$	(2,068	)	$	(1,388	)	Net income

4. Investment securities

Agency – Government-sponsored enterprise (GSE) and Mortgage-backed securities (MBS) - GSE residential

Agency – GSE and MBS – GSE residential securities consist of short- to long-term notes issued by Federal Home Loan Mortgage Corporation (FHLMC), Federal National Mortgage Association (FNMA), Federal Home Loan Bank of Pittsburgh (FHLB) and Government National Mortgage Association (GNMA). These securities have interest rates that are fixed, have varying short to long-term maturity dates and have contractual cash flows guaranteed by the U.S. government or agencies of the U.S. government.

Obligations of states and political subdivisions (municipal)

The municipal securities are general obligation and revenue bonds rated as investment grade by various credit rating agencies and have fixed rates of interest with mid- to long-term maturities. Fair values of these securities are highly driven by interest rates. Management performs ongoing credit quality reviews on these issues.

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The Company did not record any allowance for credit losses on its available-for-sale or held-to-maturity securities. The Company excludes accrued interest receivable from the amortized cost basis of investment securities disclosed throughout this footnote. As of September 30, 2025 and December 31, 2024, accrued interest receivable for investment securities totaled $2.8 million and $3.4 million, respectively, and is included in the accrued interest receivable line in the consolidated balance sheets. The amortized cost and fair value of investment securities at September 30, 2025 and December 31, 2024 are summarized as follows:

			*Gross*		*Gross*
	*Amortized*		*unrealized*		*unrealized*			*Fair*
(dollars in thousands)	*cost*		*gains*		*losses*			*value*
September 30, 2025
Held-to-maturity securities:
Agency - GSE	$	83,331	$	-	$	(4,607	)	$	78,724
Obligations of states and political subdivisions		143,606		-		(21,680	)		121,926

Total held-to-maturity securities	$	226,937	$	-	$	(26,287	)	$	200,650

Available-for-sale debt securities:
Agency - GSE	$	29,344	$	-	$	(1,964	)	$	27,380
Obligations of states and political subdivisions		121,015		47		(14,510	)		106,552
MBS - GSE residential		192,676		9		(24,291	)		168,394

Total available-for-sale debt securities	$	343,035	$	56	$	(40,765	)	$	302,326

			*Gross*		*Gross*
	*Amortized*		*unrealized*		*unrealized*			*Fair*
(dollars in thousands)	*cost*		*gains*		*losses*			*value*
December 31, 2024
Held-to-maturity securities:
Agency - GSE	$	82,486	$	-	$	(8,092	)	$	74,394
Obligations of states and political subdivisions		143,278		-		(23,097	)		120,181

Total held-to-maturity securities	$	225,764	$	-	$	(31,189	)	$	194,575

Available-for-sale debt securities:
Agency - GSE	$	31,273	$	-	$	(3,073	)	$	28,200
Obligations of states and political subdivisions		135,149		-		(15,891	)		119,258
MBS - GSE residential		217,858		-		(33,859	)		183,999

Total available-for-sale debt securities	$	384,280	$	-	$	(52,823	)	$	331,457

The amortized cost and fair value of debt securities at September 30, 2025 by contractual maturity are summarized below:

	Amortized		Fair
(dollars in thousands)	cost		value
Held-to-maturity securities:
Due in one year or less	$	-	$	-
Due after one year through five years		41,220		39,776
Due after five years through ten years		81,817		75,000
Due after ten years		103,900		85,874
Total held-to-maturity securities	$	226,937	$	200,650

Available-for-sale securities:
Debt securities:
Due in one year or less	$	9,689	$	9,526
Due after one year through five years		32,052		29,459
Due after five years through ten years		5,833		5,178
Due after ten years		102,277		89,769

MBS - GSE residential		192,167		168,394
Total available-for-sale debt securities	$	342,018	$	302,326

There was a $0.5 million increase to the carrying value of municipal AFS securities and a $0.5 million increase to the carrying value of mortgage-backed securities resulting from the interest rate swap that was not included in the maturity table above.

Actual maturities will differ from contractual maturities because issuers and borrowers may have the right to call or repay obligations with or without call or prepayment penalty. Agency – GSE and municipal securities are included based on their original stated maturity. MBS – GSE residential, which are based on weighted-average lives and subject to monthly principal pay-downs, are listed in total. Most of the securities have fixed rates or have predetermined scheduled rate changes and many have call features that allow the issuer to call the security at par before its stated maturity without penalty.

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Some of the Company’s debt securities are pledged to secure trust funds, public deposits, short-term borrowings, FHLB advances, Federal Reserve Bank of Philadelphia Discount Window borrowings and certain other deposits as required by law. Securities pledged at September 30, 2025 had a carrying amount of $341.9 million and were pledged to secure public deposits, trust client deposits, borrowings and derivative instruments.

The following table presents the fair value and gross unrealized losses of debt securities aggregated by investment type, the length of time and the number of securities that have been in a continuous unrealized loss position as of September 30, 2025 and December 31, 2024:

	Less than 12 months					More than 12 months					Total
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
(dollars in thousands)	value		losses			value		losses			value		losses

September 30, 2025
Agency - GSE	$	-	$	-		$	106,104	$	(6,571	)	$	106,104	$	(6,571	)
Obligations of states and political subdivisions		-		-			225,882		(35,681	)		225,882		(35,681	)
MBS - GSE residential		2,857		(37	)		163,054		(23,745	)		165,911		(23,782	)
Total	$	2,857	$	(37	)	$	495,040	$	(65,997	)	$	497,897	$	(66,034	)
Number of securities		2					395					397

December 31, 2024
Agency - GSE	$	-	$	-		$	102,594	$	(11,165	)	$	102,594	$	(11,165	)
Obligations of states and political subdivisions		384		(11	)		239,055		(38,469	)		239,439		(38,480	)
MBS - GSE residential		15,050		(253	)		168,949		(33,099	)		183,999		(33,352	)
Total	$	15,434	$	(264	)	$	510,598	$	(82,733	)	$	526,032	$	(82,997	)
Number of securities		8					416					424

There was a $1.0 million and $1.0 million increase to the carrying value of AFS securities resulting from the interest rate swap that increased the unrealized loss position at September 30, 2025 and December 31, 2024, respectively, that was not included in the table above.

The Company had 397 debt securities in an unrealized loss position at September 30, 2025, including 45 agency-GSE securities, 138 MBS – GSE residential securities and 214 municipal securities. The severity of these unrealized losses based on their underlying cost basis was as follows at September 30, 2025: 5.83% for agency - GSE, 12.54% for total MBS-GSE residential; and 13.64% for municipals. Management has no intent to sell any securities in an unrealized loss position as of September 30, 2025.

The Company reassessed classification of certain investments and effective April 1, 2022, the Company transferred agency and municipal investment securities with a book value of $245.5 million from available-for-sale to held-to-maturity. The securities were transferred at their fair value. The market value of the securities on the date of the transfer was $221.7 million, after netting unrealized losses totaling $18.9 million. The $18.9 million, net of deferred taxes, is being accreted into interest income from other comprehensive income over the life of the bonds. The allowance for credit losses on these securities was evaluated under the accounting policy for HTM debt securities.

Unrealized losses on available-for-sale securities have not been recognized into income because management believes the cause of the unrealized losses is related to changes in interest rates and is not directly related to credit quality. Quarterly, management conducts a formal review of investment securities to assess whether the fair value of a debt security is less than its amortized cost as of the balance sheet date. An allowance for credit losses has not been recognized on these securities in an unrealized loss position because: (1) the entity does not intend to sell the security; (2) more likely than not the entity will not be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is sufficient to recover the entire amortized cost. The issuer(s) continues to make timely principal and interest payments on the bonds. The fair value is expected to recover as the bond(s) approach maturity.

The Company has U.S. agency bonds and municipal securities classified as held-to-maturity. Management estimated no credit loss reserve will be necessary for agency bonds HTM given the strong credit history of GSE and other U.S. agency issued bonds and the involvement of the U.S. government. For municipal securities HTM, the Company utilized a third-party model to analyze whether a credit loss reserve is needed for these bonds. The amount of credit loss reserve calculated using this model was immaterial to the Company's financial statements, therefore no reserve was recorded, but the Company will continue to evaluate these securities on a quarterly basis.

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5. Loans and leases

The classifications of loans and leases at September 30, 2025 and December 31, 2024 are summarized as follows:

(dollars in thousands)	*September 30, 2025*			December 31, 2024
Commercial and industrial:
Commercial	$	214,121		$	172,834
Municipal		118,067			101,706
Commercial real estate:
Non-owner occupied		410,301			394,219
Owner occupied		341,364			304,889
Construction		70,739			50,930
Consumer:
Home equity installment		53,734			54,214
Home equity line of credit		67,985			58,130
Auto loans - Recourse		10,434			11,389
Auto loans - Non-recourse		50,915			75,440
Direct finance leases		21,191			27,827
Other		26,633			23,848
Residential:
Real estate		514,030			504,815
Construction		16,102			20,507
Total		1,915,616			1,800,748
Less:
Allowance for credit losses on loans		(20,218	)		(19,666	)
Unearned lease revenue		(1,583	)		(1,946	)
Loans and leases, net	$	1,893,815		$	1,779,136

Total unamortized net costs and premiums included in loan totals were as follows:

(dollars in thousands)	*September 30, 2025*			December 31, 2024
Net unamortized fair value mark discount on acquired loans	$	(3,972	)	$	(4,867	)
Net unamortized deferred loan origination costs		4,808			4,981
Total	$	836		$	114

The Company excludes accrued interest receivable from the amortized cost basis of loans disclosed throughout this footnote. As of September 30, 2025 and December 31, 2024, accrued interest receivable for loans totaled $7.4 million and $6.3 million, respectively, and is included in the accrued interest receivable line in the consolidated balance sheets and is excluded from the estimate of credit losses.

Direct finance leases include the lease receivable and the guaranteed lease residual. Unearned lease revenue represents the difference between the lessor’s investment in the property and the gross investment in the lease. Unearned revenue is accrued over the life of the lease using the effective interest method.

The Company services real estate loans for investors in the secondary mortgage market which are not included in the accompanying consolidated balance sheets. The unpaid principal balance of mortgages serviced for others amounted to $509.3 million as of September 30, 2025 and $495.4 million as of December 31, 2024. Mortgage servicing rights amounted to $1.2 million and $1.3 million as of September 30, 2025 and December 31, 2024, respectively, and are included in other assets in the consolidated balance sheets.

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Non-accrual loans

Non-accrual loans and loans past due over 89 days still accruing, segregated by class, at September 30, 2025 and December 31, 2024, were as follows:

(dollars in thousands)	Non-accrual With No Allowance for Credit Loss		Non-accrual With an Allowance for Credit Loss		Total Non-accrual		Loans Past Due Over 89 Days Still Accruing
At September 30, 2025
Commercial and industrial:
Commercial	$	28	$	36	$	64	$	-
Commercial real estate:
Non-owner occupied		610		-		610		-
Owner occupied		446		513		959		-
Consumer:
Home equity installment		152		-		152		-
Home equity line of credit		445		-		445		-
Auto loans - Non-recourse		2		8		10		-
Residential:
Real estate		360		-		360		-
Total	$	2,043	$	557	$	2,600	$	-

(dollars in thousands)	Non-accrual With No Allowance for Credit Loss		Non-accrual With an Allowance for Credit Loss		Total Non-accrual		Loans Past Due Over 89 Days Still Accruing
At December 31, 2024
Commercial and industrial:
Commercial	$	35	$	2,673	$	2,708	$	-
Commercial real estate:
Non-owner occupied		711		-		711		-
Owner occupied		2,505		84		2,589		-
Consumer:
Home equity installment		41		-		41		-
Home equity line of credit		281		180		461		-
Auto loans - Non-recourse		52		-		52		-
Direct finance leases		-		-		-		32
Other		20		-		20		-
Residential:
Real estate		549		212		761		-
Total	$	4,194	$	3,149	$	7,343	$	32

The decision to place loans on non-accrual status is made on an individual basis after considering factors pertaining to each specific loan. C&I and CRE loans are placed on non-accrual status when management has determined that payment of all contractual principal and interest is in doubt or the loan is past due 90 days or more as to principal and interest, unless well-secured and in the process of collection. Consumer loans secured by real estate and residential mortgage loans are placed on non-accrual status at 90 days past due as to principal and interest and unsecured consumer loans are charged-off when the loan is 90 days or more past due as to principal and interest.

Loan modifications to borrowers experiencing financial difficulty

Occasionally, the Company modifies loans to borrowers in financial distress by providing interest rates below the market rate, temporary interest-only payment periods, term extensions at interest rates lower than the current market rate for new debt with similar risk and/or converting revolving credit lines to term loans. The Company typically does not forgive principal when modifying loans.

In some cases, the Company provides multiple types of concessions on one loan. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as lowering the interest rate, may be granted. For the loans included in the "combination" columns below, multiple types of modifications have been made on the same loan within the current reporting period.

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The following tables present the amortized cost basis of loans at September 30, 2025 and September 30, 2024 that were both experiencing financial difficulty and modified during the nine months ended September 30, 2025 and 2024, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers experiencing financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented below:

Loans modified during the nine months ended:

(dollars in thousands)

September 30, 2025

Principal Forgiveness

Payment Delay

Term Extension

Interest Rate Reduction

Combination Term Extension and Principal Forgiveness

Combination Term Extension Interest Rate Reduction

Total Class of Financing Receivable

Commercial real estate:

Owner occupied

367

7,656

2.35

Total

367

7,656

	Loans modified during the nine months ended:
(dollars in thousands)	September 30, 2024
	Principal Forgiveness		Payment Delay		Term Extension		Interest Rate Reduction		Combination Term Extension and Principal Forgiveness		Combination Term Extension Interest Rate Reduction		Total Class of Financing Receivable
Commercial and industrial:
Commercial	$	-	$	50	$	-	$	-	$	-	$	-		0.03	%
Commercial real estate:
Non-owner occupied		-		285		-		-		-		-		0.07	%
Owner occupied		-		-		6,614		-		-		-		2.23	%
Total	$	-	$	335	$	6,614	$	-	$	-	$	-

The Company has not committed to lend additional amounts to the borrowers included in the previous tables.

The following tables represent the performance of such loans that have been modified in the last 12 months as of September 30, 2025 and 2024:

(dollars in thousands)

September 30, 2025

Current

30 - 59 Days Past Due

60 - 89 Days Past Due

Greater Than 89 Days Past Due

Total Past Due

Commercial real estate:

Owner occupied

2,375

7,175

Total

2,375

7,175

(dollars in thousands)	September 30, 2024
	Current		30 - 59 Days Past Due		60 - 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due

Commercial and industrial:
Commercial	$	50	$	-	$	-	$	-	$	-
Commercial real estate:
Non-owner occupied		-		-		285		-		285
Owner occupied		8,143		-		-		-		-
Total	$	8,193	$	-	$	285	$	-	$	285

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The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the nine months ended September 30, 2025 and 2024:

(dollars in thousands)

September 30, 2025

Principal Forgiveness

Weighted-Average Interest Rate Reduction

Weighted-Average Term Extension (Months)

Commercial real estate:

Owner occupied

6.2

Total

6.2

(dollars in thousands)	September 30, 2024
	Principal Forgiveness		Weighted-Average Interest Rate Reduction			Weighted-Average Term Extension (Months)

Commercial real estate:
Owner occupied	$	-		-	%		12.0
Total	$	-		-	%		12.0

The following tables provide the amortized cost basis of financing receivables that had a payment default during the nine months ended September 30, 2025 and 2024, and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty:

Loans modified within the previous twelve months that subsequently defaulted:

(dollars in thousands)

September 30, 2025

Principal Forgiveness

Payment Delay

Term Extension

Interest Rate Reduction

Commercial real estate:

Owner occupied

366

6,809

Total

366

6,809

Loans modified within the previous twelve months that subsequently defaulted:
(dollars in thousands)	September 30, 2024
	Principal Forgiveness		Payment Delay		Term Extension		Interest Rate Reduction

Commercial real estate:
Non-owner occupied	$	-	$	285	$	-	$	-
Total	$	-	$	285	$	-	$	-

Upon the Company's determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. The allowance for credit losses (ACL) may be increased, adjustments may be made in the allocation of the ACL or partial charge-offs may be taken to further write-down the carrying value of the loan.

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Past due loans

Loans are considered past due when the contractual principal and/or interest is not received by the due date. For loans reported 30-59 days past due, certain categories of loans are reported past due as and when the loan is in arrears for two payments or billing cycles. An aging analysis of past due loans, segregated by class of loans, as of the period indicated is as follows (dollars in thousands):

														Recorded
					Past due									investment past
	30 - 59 Days		60 - 89 Days		90 days		Total				Total			due ≥ 90 days
September 30, 2025	past due		past due		or more (1)		past due		Current		loans (3)			and accruing

Commercial and industrial:
Commercial	$	111	$	15	$	64	$	190	$	213,931	$	214,121		$	-
Municipal		-		-		-		-		118,067		118,067			-
Commercial real estate:
Non-owner occupied		-		-		610		610		409,691		410,301			-
Owner occupied		176		7,175		959		8,310		333,054		341,364			-
Construction		-		-		-		-		70,739		70,739			-
Consumer:
Home equity installment		95		32		152		279		53,455		53,734			-
Home equity line of credit		20		34		445		499		67,486		67,985			-
Auto loans - Recourse		40		-		-		40		10,394		10,434			-
Auto loans - Non-recourse		203		114		10		327		50,588		50,915			-
Direct finance leases		-		-		-		-		19,608		19,608	*(2)*		-
Other		18		8		-		26		26,607		26,633			-
Residential:
Real estate		-		734		360		1,094		512,936		514,030			-
Construction		-		-		-		-		16,102		16,102			-
Total	$	663	$	8,112	$	2,600	$	11,375	$	1,902,658	$	1,914,033		$	-

⁽¹⁾ Includes non-accrual loans. ⁽²⁾ Net of unearned lease revenue of $1.6 million. ⁽³⁾ Includes net deferred loan costs of $4.8 million and net unamortized fair value mark discount on acquired loans of $4.0 million.

														Recorded
					Past due									investment past
	30 - 59 Days		60 - 89 Days		90 days		Total				Total			due ≥ 90 days
December 31, 2024	past due		past due		or more (1)		past due		Current		loans (3)			and accruing

Commercial and industrial
Commercial	$	61	$	24	$	2,708	$	2,793	$	170,041	$	172,834		$	-
Municipal		-		-		-		-		101,706		101,706			-
Commercial real estate:
Non-owner occupied		27		-		711		738		393,481		394,219			-
Owner occupied		2,348		589		2,589		5,526		299,363		304,889			-
Construction		-		-		-		-		50,930		50,930			-
Consumer:
Home equity installment		232		121		41		394		53,820		54,214			-
Home equity line of credit		226		-		461		687		57,443		58,130			-
Auto loans - Recourse		173		18		-		191		11,198		11,389			-
Auto loans - Non-recourse		447		54		52		553		74,887		75,440			-
Direct finance leases		284		27		32		343		25,538		25,881	⁽²⁾		32
Other		8		15		20		43		23,805		23,848			-
Residential:
Real estate		-		695		761		1,456		503,359		504,815			-
Construction		-		-		-		-		20,507		20,507			-
Total	$	3,806	$	1,543	$	7,375	$	12,724	$	1,786,078	$	1,798,802		$	32

⁽¹⁾ Includes non-accrual loans. ⁽²⁾ Net of unearned lease revenue of $1.9 million. ⁽³⁾ Includes net deferred loan costs of $5.0 million and net unamortized fair value mark discount on acquired loans of $4.9 million.

Credit Quality Indicators

Management is responsible for conducting the Company’s credit risk evaluation process, which includes credit risk grading of individual commercial and industrial and commercial real estate loans. Commercial and industrial and commercial real estate loans are assigned credit risk grades based on the Company’s assessment of conditions that affect the borrower’s ability to meet its contractual obligations under the loan agreement. That process includes reviewing borrowers’ current financial information, historical payment experience, credit documentation, public information, and other information specific to each individual borrower. Upon review, the commercial loan credit risk grade is revised or reaffirmed. The credit risk grades may be changed at any time management feels an upgrade or downgrade may be warranted. The Company utilizes an external independent loan review firm that reviews and validates the credit risk program on at least an annual basis. Results of these reviews are presented to management and the Board of Directors. The loan review process complements and reinforces the risk identification and assessment decisions made by lenders and credit personnel, as well as the Company’s policies and procedures.

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Commercial and industrial and commercial real estate

The Company utilizes a loan grading system and assigns a credit risk grade to its loans in the C&I and CRE portfolios. The grading system provides a means to measure portfolio quality and aids in the monitoring of the credit quality of the overall loan portfolio. The credit risk grades are arrived at using a risk rating matrix to assign a grade to each of the loans in the C&I and CRE portfolios.

These loans are assigned credit risk grades based on the Company’s assessment of conditions that affect the borrower’s ability to meet its contractual obligations under the loan agreement. That process includes reviewing borrowers’ current financial information, historical payment experience, credit documentation, public information and other information specific to each individual borrower. Upon review, the commercial loan credit risk grade is revised or reaffirmed. The credit risk grades may be changed at any time management feels an upgrade or downgrade is warranted.

The following is a description of each risk rating category the Company uses to classify each of its C&I and CRE loans:

Pass

Loans in this category have an acceptable level of risk and are graded in a range of one to five. Secured loans generally have good collateral coverage. Current financial statements reflect acceptable balance sheet ratios, sales and earnings trends. Management is competent, and a reasonable succession plan is evident. Payment experience on the loans has been good with minor or no delinquency experience. Loans with a grade of one are of the highest quality in the range. Those graded five are of marginally acceptable quality.

Special Mention

Loans in this category are graded a six and may be protected but are potentially weak. They constitute a credit risk to the Company but have not yet reached the point of adverse classification. Some of the following conditions may exist: little or no collateral coverage; lack of current financial information; delinquency problems; highly leveraged; available financial information reflects poor balance sheet ratios and profit and loss statements reflect uncertain trends; and document exceptions. Cash flow may not be sufficient to support total debt service requirements.

Substandard

Loans in this category are graded a seven and have a well-defined weakness which may jeopardize the ultimate collectability of the debt. The collateral pledged may be lacking in quality or quantity. Financial statements may indicate insufficient cash flow to service the debt; and/or do not reflect a sound net worth. The payment history indicates chronic delinquency problems. Management is weak. There is a distinct possibility that the Company may sustain a loss. All loans on non-accrual are rated substandard. Other loans that are included in the substandard category can be accruing, as well as loans that are current or past due. Loans 90 days or more past due, unless otherwise fully supported, are classified substandard. Also, borrowers that are bankrupt or have loans categorized as modifications experiencing financial difficulty can be graded substandard.

Doubtful

Loans in this category are graded an eight and have a better than 50% possibility of the Company sustaining a loss, but the loss cannot be determined because of specific reasonable factors which may strengthen credit in the near-term. Many of the weaknesses present in a substandard loan exist. Liquidation of collateral, if any, is likely. Any loan graded lower than an eight is considered to be uncollectible and charged-off.

Consumer and residential

The consumer and residential loan segments are regarded as homogeneous loan pools and as such are not risk rated. For these portfolios, the Company utilizes payment activity and history in assessing performance. Non-performing loans are comprised of non-accrual loans and loans past due 90 days or more and accruing. All loans not classified as non-performing are considered performing.

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The following table presents loans including $4.8 million and $5.0 million of deferred costs, and $4.0 million and $4.9 million of fair value mark discount, segregated by class and vintage, categorized into the appropriate credit quality indicator category as of September 30, 2025 and December 31, 2024, respectively:

Commercial credit exposure

Credit risk profile by creditworthiness category

As of September 30, 2025

(dollars in thousands)

September 30, 2025	2025		2024		2023		2022		2021		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Commercial and industrial
Risk Rating
Pass	$	41,986	$	23,060	$	19,441	$	8,710	$	10,665	$	14,363	$	92,952	$	-	$	211,177
Special Mention		-		-		-		-		-		-		1,951		-		1,951
Substandard		-		-		28		76		50		792		47		-		993
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial	$	41,986	$	23,060	$	19,469	$	8,786	$	10,715	$	15,155	$	94,950	$	-	$	214,121
Current period gross write-offs	$	-	$	-	$	-	$	5	$	277	$	71	$	-	$	-	$	353

Commercial and industrial - municipal
Risk Rating
Pass	$	31,142	$	7,899	$	16,418	$	12,445	$	23,442	$	26,668	$	53	$	-	$	118,067
Special Mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial - municipal	$	31,142	$	7,899	$	16,418	$	12,445	$	23,442	$	26,668	$	53	$	-	$	118,067
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

Commercial real estate - non-owner occupied
Risk Rating

FIDELITY D & D BANCORP INC 10-Q