The Fidelity Deposit and Discount Bank

Blakely And Drinker Streets
Dunmore, PA 18512

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11868
Date Established 1903
Assets $0.97 billion
Loans $0.71 billion
Deposits $0.83 billion
Capital $0.10 billion

The Fidelity Deposit and Discount Bank is an FDIC insured institution located in Dunmore, PA. It was founded in 1903 and has approximately $0.97 billion in assets. Customers can open an account at one of its 13 branches.

For a more detailed analysis of The Fidelity Deposit and Discount Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 15, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $2,500 $24,999 Learn MoreShow Less
Money Market
0.10% $25,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 $24,999 Learn MoreShow Less
3 Mo CD
0.10% $100,000 $499,999 Learn MoreShow Less
0.10% $1,000 $24,999 Learn MoreShow Less
0.15% $100,000 $499,999 Learn MoreShow Less
0.10% $1,000 $24,999 Learn MoreShow Less
0.30% $100,000 $499,999 Learn MoreShow Less
18 Mo CD
0.05% $1,000 $24,999 Learn MoreShow Less
18 Mo CD
0.25% $100,000 $499,999 Learn MoreShow Less
24 Mo CD
0.15% $1,000 $24,999 Learn MoreShow Less
24 Mo CD
0.35% $100,000 $499,999 Learn MoreShow Less
30 Mo CD
0.20% $1,000 $24,999 Learn MoreShow Less
0.65% $1,000 $24,999 Learn MoreShow Less
0.85% $100,000 $499,999 Learn MoreShow Less
48 Mo CD
0.75% $1,000 $24,999 Learn MoreShow Less
48 Mo CD
0.95% $100,000 $499,999 Learn MoreShow Less
60 Mo CD
0.80% $1,000 $24,999 Learn MoreShow Less
60 Mo CD
1.00% $100,000 $499,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.10% $1,000 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 - Learn MoreShow Less

Loan Rates - September 15, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The Fidelity Deposit and Discount Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to The Fidelity Deposit and Discount Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

The Fidelity Deposit and Discount Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


The Fidelity Deposit and Discount Bank Locations


Financial Details

The Fidelity Deposit and Discount Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Fidelity Deposit and Discount Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Fidelity Deposit and Discount Bank U.S. Bank Average
4.37% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, The Fidelity Deposit and Discount Bank had $4,268,000 in non-current loans and $412,000 in owned real estate. To cover these potential losses it had $97,688,000 in equity and $9,522,000 in loans loss reserves. That gives it a Texas Ratio of 4.37%.

Return on Equity
The Fidelity Deposit and Discount Bank U.S. Bank Average
13.06% 9.47%

The Fidelity Deposit and Discount Bank has a Return on Equity of 13.06% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Fidelity Deposit and Discount Bank U.S. Bank Average
10.12% 12.49%

The Fidelity Deposit and Discount Bank has a Capitalization of 10.12% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Fidelity Deposit and Discount Bank Balance Sheet Analysis

As of March 31, 2019, The Fidelity Deposit and Discount Bank had assets of $965,148,000, loans of $705,200,000, and deposits of $825,613,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.00 billion
Total securities $0.18 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.71 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.04 billion
     Total Assets $0.87 billion
LIABILITIES
Total deposits $0.83 billion
      Interest-bearing deposits $0.59 billion
      Deposits held in domestic offices $0.83 billion
      % insured (estimated) 64.43%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.87 billion
      Shareholders’ Equity $0.10 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The Fidelity Deposit and Discount Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Consumer Auto Loans.

Compared to other banks in Pennsylvania, The Fidelity Deposit and Discount Bank has a significantly higher percent of Consumer Auto Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.65
Multifamily
Mortgages
1.21
Credit Card Loans 0.00
Consumer Auto Loans 14.15
Small Business Loans 13.23
Construction and Development Loans 2.71
Commercial Real Estate 25.21
Commercial and Industrial Loans 11.51
Farm Loans 0.00

Frequently Asked Questions About The Fidelity Deposit And Discount Bank

Branches and Savings

Is The Fidelity Deposit And Discount Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11868.

Why does The Fidelity Deposit And Discount Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Fidelity Deposit And Discount Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Fidelity Deposit And Discount Bank a commercial bank?

Yes

Where are The Fidelity Deposit And Discount Bank locations?

See branch locations nearby.

Is The Fidelity Deposit And Discount Bank open on Saturdays?

Is The Fidelity Deposit And Discount Bank open on Sundays?

What time does The Fidelity Deposit And Discount Bank open?

What time does The Fidelity Deposit And Discount Bank close?

Are The Fidelity Deposit And Discount Bank ATMs Open 24/7?

Do The Fidelity Deposit And Discount Bank ATMs accept cash deposits?

Can The Fidelity Deposit And Discount Bank customers use other ATMs?

Do The Fidelity Deposit And Discount Bank branches have notaries?

Will The Fidelity Deposit And Discount Bank notarize my document?

What address for The Fidelity Deposit And Discount Bank should I put for incoming ACH transfers?

Will the The Fidelity Deposit And Discount Bank branch print checks?

Do The Fidelity Deposit And Discount Bank checks expire?

Does The Fidelity Deposit And Discount Bank require US citizenship to open account?

Can The Fidelity Deposit And Discount Bank close my account?

Does The Fidelity Deposit And Discount Bank Report to credit bureaus?

Does The Fidelity Deposit And Discount Bank Use Equifax?

What is The Fidelity Deposit And Discount Bank's ACH Routing Number?

What is The Fidelity Deposit And Discount Bank's SWIFT code?

Products

Does The Fidelity Deposit And Discount Bank offer mortgages?

Compare mortgage rates here.

Does The Fidelity Deposit And Discount Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Fidelity Deposit And Discount Bank offer personal loans?

Compare personal loan rates here.

Does The Fidelity Deposit And Discount Bank offer student loans?

Will The Fidelity Deposit And Discount Bank cash a check?

Will The Fidelity Deposit And Discount Bank redeem a savings bond?

Does The Fidelity Deposit And Discount Bank cash savings bonds?

Will The Fidelity Deposit And Discount Bank cash money orders?

Can The Fidelity Deposit And Discount Bank issue a money order?

Does The Fidelity Deposit And Discount Bank do currency exchange?

Background on The Bank

Who owns The Fidelity Deposit And Discount Bank?

How long has The Fidelity Deposit And Discount Bank been around?

Can The Fidelity Deposit And Discount Bank transfer to other banks?

Does The Fidelity Deposit And Discount Bank have quick pay?

Does The Fidelity Deposit And Discount Bank accept rolled coins?

Will The Fidelity Deposit And Discount Bank accept loose change?

Where is The Fidelity Deposit And Discount Bank headquarters?

Customer Reviews for The Fidelity Deposit and Discount Bank

There are currently no comments for The Fidelity Deposit and Discount Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →