FDBC on Nasdaq

Fidelity D&D Bancorp, Inc. - Investor Relations

Fidelity D&D Bancorp, Inc. - Investor Relations is a bank holding company in Pennsylvania founded in 1903.1 It is headquartered in Dunmore, Pennsylvania.1 Its shares trade on Nasdaq under the symbol FDBC.1

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Last updated Oct 20, 2026.

Overview

May 11, 1903Founded1

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  • TickerFDBC on Nasdaq1
  • IndustryNational Commercial Banks1
  • HeadquartersDunmore, Pennsylvania1
  • Websiteir.bankatfidelity.com
  • Incorporated inPA3
  • Business addressBlakely & Drinker Streets, Dunmore, Pa 185123
  • Filer categoryAccelerated filer, Smaller reporting company3

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Fidelity D & D Bancorp, Inc. (the Company) was incorporated in the Commonwealth of Pennsylvania, on August 10, 1999, and is a bank holding company, whose wholly-owned state chartered commercial bank subsidiary is The Fidelity Deposit and Discount Bank (the Bank) (collectively, the Company). The Company is headquartered at Blakely and Drinker Streets in Dunmore, Pennsylvania. The Company's primary market area (service area) is comprised of the Borough of Dunmore and the surrounding communities within Lackawanna and Luzerne counties in Northeastern Pennsylvania and Northampton County in Eastern Pennsylvania.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Credit and Debit Card brought in 29% of the revenue Fidelity D&D Bancorp, Inc. - Investor Relations broke down this way in fiscal 2025.

  1. Credit and Debit Card$5.3M529%up 7% from 2024
  2. Deposit Account$4.2M523%up 6% from 2024
  3. Fiduciary and Trust$4.1M523%up 14% from 2024
  4. Financial Service, Other$2.0M511%up 19% from 2024
  5. Bank Servicing$1.6M59%up 22% from 2024
  6. Investment Advisory, Management and Administrative Service$1.2M56%up 10% from 2024
Products and services by year
Products and services20242025
Credit and Debit Card$4.9M$5.3M
Deposit Account$3.9M$4.2M
Fiduciary and Trust$3.6M$4.1M
Financial Service, Other$1.7M$2.0M
Bank Servicing$1.3M$1.6M
Investment Advisory, Management and Administrative Service$1.1M$1.2M

Financial statements

Net income67895$28.2M in 2025+144% since 2019
0$10.0M$20.0M$30.0M$40.0M2019: $11.6M$11.6M20192020: $13.0M$13.0M2020+13%2021: $24.0M$24.0M2021+84%2022: $30.0M$30.0M2022+25%2023: $18.2M$18.2M2023−39%2024: $20.8M$20.8M2024+14%2025: $28.2M$28.2M2025+36%

Every line of the income statement as filed: the last 2 fiscal years, latest first.5

Period ending2025-12-312024-12-31
Taxable$98.4M$88.3M
Nontaxable$5.4M$5.0M
Interest-bearing deposits with financial institutions$4.6M$1.5M
Restricted investments in bank stock$329.0K$322.0K
U.S. government agency and corporations$5.7M$5.8M
States and political subdivisions (nontaxable)$3.7M$4.3M
States and political subdivisions (taxable)$1.7M$1.8M
Total interest income$119.8M$107.0M
Deposits$46.8M$43.2M
Secured borrowings$368.0K$435.0K
Short-term borrowings$0$1.6M
Total interest expense$47.2M$45.2M
Net interest income$72.7M$61.9M
Provision for credit losses on loans$1.1M$1.3M
Provision for credit losses on unfunded loan commitments$215.0K$140.0K
Net interest income after provision for credit losses$71.4M$60.4M
Earnings on bank-owned life insurance$1.6M$1.5M
Loans$1.5M$972.0K
Available-for-sale debt securities-$1.2M$0
Premises and equipment$296.0K-$12.0K
Total other income$20.6M$19.0M
Salaries and employee benefits$30.8M$28.8M
Premises and equipment$9.8M$8.8M
Data processing and communication$3.0M$2.9M
Advertising and marketing$3.3M$2.9M
Professional services$4.0M$4.4M
Automated transaction processing$1.9M$1.8M
Office supplies and postage$744.0K$732.0K
PA shares tax expense$333.0K$443.0K
Loan collection$124.0K$102.0K
Other real estate owned, net-$37.0K-$9.0K
FDIC assessment$1.2M$1.2M
Other$3.6M$3.4M
Total other expenses$58.8M$55.5M
Income before income taxes$33.1M$23.9M
Provision for income taxes$4.9M$3.1M
Net income$28.2M$20.8M
Net income - basic (in dollars per share)$4.89$3.63
Net income - diluted (in dollars per share)$4.86$3.60
Dividends (in dollars per share)$1.63$1.54

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Corporate structure

Fidelity D&D Bancorp, Inc. - Investor Relations sits at the top of its group. 3 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Fidelity D&D Bancorp, Inc. - Investor Relations

  • BlackRock Filed SCHEDULE 13G on Fidelity D&D Bancorp, Inc. - Investor Relations, latest Jul 28, 2026 (3 filings since Oct 18, 2024)
  • Michael J. McDonald Filed SCHEDULE 13D on Fidelity D&D Bancorp, Inc. - Investor Relations, latest Jan 15, 2026
  • Fidelity D&D Bancorp, Inc. - Investor Relations Dunmore, Pennsylvania
    • Fidelity Bank Subsidiary · Dunmore, Pennsylvania, United States
    • The Fidelity Deposit and Discount Bank Subsidiary · Pennsylvania, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; subsidiaries, stakes and holdings from Wikidata (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Fidelity D&D Bancorp, Inc. - Investor Relations reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$72.7M5 Dec 31, 2025$59.6M5 Dec 31, 2024+21.9%
Accumulated depreciation$23.8M5 Dec 31, 2025$23.7M5 Dec 31, 2024+0.2%
Property and equipment, net$49.0M5 Dec 31, 2025$35.9M5 Dec 31, 2024+36.3%
Finance-lease assets$757.0K5 Dec 31, 2025$975.0K5 Dec 31, 2024−22.4%
Operating-lease assets (leased space)$9.1M5 Dec 31, 2025$8.8M5 Dec 31, 2024+3.1%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$148.1M5 Dec 31, 2025$83.4M5 Dec 31, 2024+77.6%
Debt securities available for sale$331.5M9 Dec 31, 2024$344.0M9 Dec 31, 2023−3.7%
Debt securities held to maturity$225.8M9 Dec 31, 2024$224.2M9 Dec 31, 2023+0.7%
Loans, net of allowance$1.9B5 Dec 31, 2025$1.8B5 Dec 31, 2024+6.3%
Deposits held (banks)$2.5B5 Dec 31, 2025$2.3B5 Dec 31, 2024+5.4%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$19.6M5 Dec 31, 2025$19.6M5 Dec 31, 20240%
Finite-lived intangibles, net$614.0K5 Dec 31, 2025$876.0K5 Dec 31, 2024−29.9%

Properties, in its own words

As of December 31, 2025, the Company and the Bank operated 21 full-service banking offices, of which eleven were owned and ten were leased. The Pittston branch property is subject to a lease with a company of which director, William J. Joyce, Sr., is a partner. With the exception of the Pittston branch, none of the lessors of the properties leased by the Company are affiliated with the Company and all of the properties are located in the Commonwealth of Pennsylvania. The Company is headquartered at its owner-occupied main branch located on the corner of Blakely and Drinker Streets in Dunmore, PA. Executive and administrative, commercial lending, trust and asset management services are located at the Main Branch. The Company also operates a financial center in downtown Scranton, PA which is expected to be sold in 2026 upon the completion of the corporate headquarters. Executive, mortgage and consumer lending, finance, operations and a full-service call center are located in this building. During 2022, the Company purchased the Scranton Electric Building for a future corporate headquarters in Scranton, PA, with the expected completion ready in the second quarter of 2026, see premises and equipment discussion within Item 7. We believe each of our facilities is suitable and adequate to meet our current operational needs and intended purposes.

The Company also operates a wealth management office in Minersville, PA under a short-term lease agreement.

The rest of Item 2

Additionally, the Company has a limited production office in Scranton, PA that is currently leased for certain commercial lenders and credit department employees. This lease will end in 2026 and these employees will move to the corporate headquarters.

The Company acquired a leased building in Scranton from the merger with Landmark Community Bank. The branch in the building was closed in September 2021 and the building was converted into a training center during 2022. This building will become vacant, and the training department will move to the corporate headquarters in 2026.

Foreclosed assets held-for-sale includes other real estate owned (ORE). The Company had one ORE property as of December 31, 2025. Upon possession, foreclosed properties are recorded on the Company’s balance sheet at the lower of cost or fair value. For a further discussion of ORE properties, see “Foreclosed assets held-for-sale”, located in the comparison of financial condition section of managements’ discussion and analysis.

Item 2 of the 10-K filed Mar 13, 2026.4

Leadership

Who has led Fidelity D&D Bancorp, Inc. - Investor Relations, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Steven C. Ackmann2006–2009
  2. Daniel J. Santaniello2011–now

Chair

  1. Samuel C. Cali2009
  2. Brian J. Cali2019–now

President

  1. Steven C. Ackmann2006–2009
  2. Daniel J. Santaniello2011–now

Chief financial officer

  1. Salvatore R. Defrancesco Jr.2007–now

Chief operating officer

  1. Daniel J. Santaniello2008–2010
  2. Ray J. Fox2012
  3. Eugene J. Walsh2018–now
197019801990200020102020
Board members and other officers (32)

Subsidiaries and ownership

Subsidiaries

From Wikidata.1

Timeline

  1. Jul 22, 20268-K Results of operations49
  2. May 6, 20268-K Shareholder vote; Regulation FD disclosure50
  3. Apr 27, 20268-K Bylaws or fiscal year changed51
  4. Apr 22, 20268-K Results of operations52
  5. Feb 5, 20268-K Other events53
  6. Jan 28, 20268-K Results of operations54
  7. Jan 6, 20268-K Executive or director change55
  8. Dec 29, 20258-K Executive or director change56
  9. Dec 18, 20258-K Executive or director change57
  10. Nov 4, 20258-K Other events58
  11. Oct 22, 20258-K Results of operations59
  12. Sep 18, 20258-K Executive or director change60
  13. Jun 15, 2011New chief executive Daniel J. Santaniello becomes CEO13
  14. Mar 15, 2006New chief executive Steven C. Ackmann becomes CEO14
  15. May 11, 1903Founded Founded1

Calendar

Coming up

  1. Oct 28, 2026Reports results for the quarter ending Sep/202661

When it reported results

  1. Jul 22, 2026Reported quarterly or annual results49
  2. Apr 22, 2026Reported quarterly or annual results52
  3. Jan 28, 2026Reported quarterly or annual results54
  4. Oct 22, 2025Reported quarterly or annual results59
  5. Jul 23, 2025Reported quarterly or annual results62
  6. Apr 23, 2025Reported quarterly or annual results63
  7. Jan 29, 2025Reported quarterly or annual results64
  8. Oct 23, 2024Reported quarterly or annual results65

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

262 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 44 major events, 163 insider forms, 4 large holders, 31 other. The latest 20:

  1. Sep 15, 20264 BCALI FORM4 091526 EDGAR
  2. Aug 7, 202610-Q EDGAR
  3. Aug 6, 202613F-HR EDGAR
  4. Jul 30, 20264 RDEL FORM4 073026 EDGAR
  5. Jul 28, 2026SCHEDULE 13G EDGAR
  6. Jul 22, 20268-K EDGAR
  7. Jun 12, 20264 BCALI 4 06-12-2026 EDGAR
  8. May 8, 202610-Q EDGAR
  9. May 6, 20268-K EDGAR
  10. Apr 30, 202613F-HR EDGAR
  11. Apr 27, 20268-K EDGAR
  12. Apr 22, 20268-K EDGAR
  13. Mar 25, 2026DEF 14A EDGAR
  14. Mar 20, 20264 ABONANNO4 03-20-26 EDGAR
  15. Mar 19, 20263 ADAMBFORM303-19-26 EDGAR
  16. Mar 13, 202610-K EDGAR
  17. Mar 11, 20264 BCALI FORM4 03-11-26 EDGAR
  18. Feb 23, 20264 SALFORM402-23-26 EDGAR
  19. Feb 20, 20264 RDELVFORM402-20-26 EDGAR
  20. Feb 20, 20264 WJOYCEFORM402-20-26 EDGAR

The 262 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

65 open-market trades by officers, directors and large owners since October 2021: 47 buys and 18 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 14, 2026CALI BRIAN JChairman of the BoardBuy250Form 4
Jun 12, 2026CALI BRIAN JChairman of the BoardBuy273Form 4
Mar 11, 2026CALI BRIAN JChairman of the BoardBuy308Form 4
Feb 5, 2026MCDONALD MICHAEL JVice ChairmanBuy10,414$48.01$500.0KForm 4
Dec 11, 2025CALI BRIAN JChairman of the BoardBuy300Form 4
Dec 5, 2025DelVecchio RoccoDirectorBuy26Form 4
Nov 10, 2025Joyce William J. Sr.DirectorBuy1,000$44.50$44.5KForm 4
Nov 10, 2025SANTANIELLO DANIEL JPresident & CEOBuy1,000$44.50$44.5KForm 4
Nov 10, 2025CALI BRIAN JChairman of the BoardBuy1,951$44.50$86.8KForm 4
Sep 10, 2025CALI BRIAN JChairman of the BoardBuy276$42.25$11.7KForm 4
Jul 3, 2025CALI BRIAN JChairman of the BoardBuy281$44.19$12.4KForm 4
Jul 3, 2025CALI BRIAN JChairman of the BoardBuy292$42.57$12.4KForm 4
Jun 2, 2025WALSH EUGENE JVP & COOSale1,000$39.39$39.4KForm 4
Mar 27, 2025CALI BRIAN JChairman of the BoardBuy279$44.20$12.3KForm 4
Mar 13, 2025Joyce William J. Sr.DirectorBuy1,000$42.39$42.4KForm 4
Feb 20, 2025MCDONALD MICHAEL JVice ChairmanBuy1,000$45.00$45.0KForm 4
Feb 3, 2025Vilcek HelenBeth GarofaloDirectorBuy4,500Form 4
Feb 3, 2025CALI BRIAN JChairman of the BoardBuy880$44.00$38.7KForm 4
Jan 9, 2025CALI BRIAN JChairman of the BoardBuy225$54.25$12.2KForm 4
Sep 30, 2024CALI BRIAN JChairman of the BoardBuy213$54.15$11.5KForm 4

All 65 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Daniel J. Santaniello,$558.0K$1.3M68
2025Salvatore R. DeFrancescoJr.,$341.8K$687.8K68
2025Ruth G. Turkington$306.7K$599.2K68
2024President and Chief Executive Officer of the Company and the Bank$490.4K$998.4K68
2024Treasurer and Chief Financial Officer of the Company; Executive Vice President and Chief Financial Officer of the Bank$307.4K$586.2K68
2024Executive VicePresident and Chief Consumer Banking Officer of the Bank$279.2K$489.8K68

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 88. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.345,008$17.7M0.0%+42,560
Vanguard Capital Management LLC194,785$10.0M0.0%+82
Geode Capital Management, LLC121,639$6.3M0.0%+8,495
Fidelity D & D Bancorp Inc94,958$4.9M1.7%−4,311
State Street Corp75,160$3.9M0.0%−370
Siena Capital Partners GP, LLC45,276$2.3M0.6%No change
Creative Planning41,249$2.1M0.0%+148
Goldman Sachs Group Inc38,488$2.0M0.0%+2,682
Northern Trust Corp37,986$2.0M0.0%+2,867
Liberty Square Wealth Partners LLC36,243$1.9M0.4%No change
Quantinno Capital Management LP35,148$1.8M0.0%+6,714
Commonwealth Equity Services, LLC32,188$1.7M0.0%−5,050
Vanguard Portfolio Management LLC31,947$1.6M0.0%+4,440
Bank of New York Mellon Corp30,403$1.6M0.0%+828
Vanguard Fiduciary Trust Co29,912$1.5M0.0%+350
Aqr Capital Management LLC24,342$1.3M0.0%+7,937
Dimensional Fund Advisors LP21,747$1.1M0.0%+2,412
Hsbc Holdings PLC19,405$999.0K0.0%+7,824
Alliance Wealth Advisors, LLC15,318$787.6K0.3%+5,448
Charles Schwab Investment Management Inc13,339$685.9K0.0%+1,269
Mercer Global Advisors Inc /adv11,337$582.9K0.0%+1,590
Martingale Asset Management L P10,831$556.9K0.0%+207
Renaissance Technologies LLC10,491$539.4K0.0%−800
Barclays PLC9,635$495.4K0.0%+210
Jacobi Capital Management LLC9,223$474.3K0.0%−1,834

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Fidelity D&D Bancorp, Inc. - Investor Relations is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFIDELITY D & D BANCORP INC2
  • CIK0001098151
  • Employer ID (EIN)23-30176534
  • Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inPennsylvania4
  • Fiscal year endsDecember 312
  • Industry code (SIC)6021 National Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business addressBlakely & Drinker Streets, Dunmore, PA 185122
  • Phone57034282812
  • Shares outstanding5,808,508 as of Jul 31, 202611
  • Public float$219.1M as of Jun 30, 20254
  • AuditorWolf & Company, P.C., Boston, Massachusetts PCAOB ID 49; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceNov 3, 19992
  • Filings1,051 in all: 4 (554), 8-K (199), 10-Q (80), 4/A (28), 10-K (26), DEF 14A (26), 5 (23), 3 (19)2
    All 38 form types

    ARS (14), 13F-HR (13), 144 (6), CORRESP (6), S-4/A (6), UPLOAD (6), 8-K/A (5), S-8 (5), 425 (4), EFFECT (4), POS AM (3), S-4 (3), 424B3 (2), S-3D (2), SC 13G (2), 10-Q/A (1), 13F-HR/A (1), 3/A (1), 8-A12B (1), CERTNAS (1), DEFA14A (1), S-1 (1), S-1/A (1), S-3 (1), S-3DPOS (1), SC 13D (1), SC 13D/A (1), SCHEDULE 13D (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Mar 13, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Mar 25, 2026
    Latest 8-K (8-K) Jul 22, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, without par valueFDBCNASDAQ

From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks Fidelity D&D Bancorp, Inc. - Investor Relations names in Item 1A of its 10-K filed Mar 13, 2026: 35 risks under these headings, as written.4

  • Risks Related to the Company’s Business
  • The short-term and long-term effects of inflation and rising costs may adversely affect the Company’s financial performance.
  • The Company’s business is subject to interest rate risk and variations in interest rates may negatively affect its financial performance.
  • The Company is subject to lending risk.
  • The Company is subject to commercial real estate volatility that may result in increases in non-performing loans that could have an adverse impact on our financial condition and results of operations.
  • The Company’s allowance for credit losses may be insufficient.
  • If we conclude that the decline in value of any of our investment securities is a credit loss, we will be required to book a contra-asset.
  • The Basel III and other regulatory capital requirements may require us to maintain higher levels of capital, which could reduce our profitability.
  • The Company may need, or be compelled, to raise additional capital in the future, but that capital may not be available when it is needed and on terms favorable to current shareholders.
  • The Company is subject to environmental liability risk associated with lending activities.
  • The Company’s profitability depends significantly on economic conditions in the Commonwealth of Pennsylvania and the markets in which it conducts business.
  • There is no assurance that the Company will be able to successfully compete with others for business.
The other 24 risks
  • The Company is subject to extensive government regulation and supervision.
  • The Company’s controls and procedures may fail or be circumvented.
  • New lines of business or new products and services may subject the Company to additional risks.
  • The Company’s future acquisitions could dilute your ownership and may cause it to become more susceptible to adverse economic events.
  • The Company may not be able to attract and retain skilled people.
  • The Company’s communications, information and technology systems may experience a failure, interruption or breach in security.
  • The Company continually encounters technological change.
  • The operations of our business, including our interaction with customers, are increasingly done via electronic means, and this has increased our risks related to cyber security.
  • The Company may use artificial intelligence (AI) in its business, and challenges with properly managing its use could result in disruption of our internal operations, reputational harm, competitive harm, legal liability and adversely affect our results of operations and stock price.
  • The Company is subject to claims and litigation pertaining to fiduciary responsibility.
  • Pennsylvania Business Corporation Law and various anti-takeover provisions under our articles and bylaws could impede the takeover of the Company.
  • The Company is a holding company and relies on dividends from its banking subsidiary for substantially all of its revenue and its ability to make dividends, distributions, and other payments.
  • The Company’s banking subsidiary may be required to pay higher FDIC insurance premiums or special assessments which may adversely affect its earnings.
  • Severe weather, natural disasters, acts of war or terrorism, global instability, pandemics and other external events could significantly impact the Company’s business.
  • The increasing use of social media platforms presents risks and challenges and our inability or failure to recognize, respond to and effectively manage the accelerated impact of social media could materially adversely impact our business.
  • Risks Associated with the Company’s Common Stock
  • The Company’s stock price can be volatile.
  • The trading volume in the Company’s common stock is less than that of other larger financial services companies.
  • Risks Associated with the Company’s Industry
  • Future governmental regulation and legislation could limit the Company’s future growth.
  • The earnings of financial services companies are significantly affected by general business and economic conditions.
  • Financial services companies depend on the accuracy and completeness of information about customers and counterparties.
  • Consumers may decide not to use banks to complete their financial transactions.
  • A protracted government shutdown or issues relating to debt and the deficit may adversely affect the Company.
  • The regulatory environment for the financial services is being significantly impacted by financial regulatory reform initiatives in the United States and elsewhere, including Dodd-Frank and regulations promulgated to implement it.
  • Changes to trade policies and tariffs can have an adverse impact on the Company’s business and its customers.

Legal proceedings

The nature of the Company’s business generates some litigation involving matters arising in the ordinary course of business. However, in the opinion of the Company after consulting with legal counsel, no legal proceedings are pending, which, if determined adversely to the Company or the Bank, would have a material effect on the Company’s undivided profits or financial condition or results of operations. No legal proceedings are pending other than ordinary routine litigation incidental to the business of the Company and the Bank. In addition, to management’s knowledge, no governmental authorities have initiated or contemplated any material legal actions against the Company or the Bank.

The opening of Item 3, Legal Proceedings.4

Sources

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