Table Of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR [ ] 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 IDENTIFI ...

Table Of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K x ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2020 OR o 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. COMMONWEALTH OF PENNSYLVANIA I.R.S. EMPLOYER IDENTIFICATION N ...

Table Of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR [ ] 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 IDEN ...

Table Of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR [ ] 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 IDENTIFIC ...

Table Of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR [ ] 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 IDENTIFI ...

Table Of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2019 COMMISSION FILE NUMBER 001-38229 FIDELITY D & D BANCORP, INC. COMMONWEALTH OF PENNSYLVANIA I.R.S. EMPLOYER IDENTIFICATION NO: 23-3017653 BLAKELY AND DRINKER STREETS DUNMORE, PENNSYLVANIA 18512 TELEPHONE NUMBER (570) 342-8281 SECURITIES REGISTERED UNDER SECTION 12(b) OF THE ACT: | --- | ...

Part I. Financial Information [Financial Statements](index=4&type=section&id=Item%201.%20Financial%20Statements) Unaudited statements show asset growth to $1.01 billion and a net income increase to $8.86 million for the nine-month period Consolidated Balance Sheet Highlights (in thousands) | Account | Sep 30, 2019 | Dec 31, 2018 | | :--- | :--- | :--- | | Total Assets | $1,011,424 | $981,102 | | Loans and leases, net | $739,278 | $718,317 | | Total Deposits | $852,322 | $770,183 | | Short-term borrowings | $24,355 | $76,366 | | Total Shareholders' Equity | $104,789 | $93,557 | Consolidated Income Statement Highlights (in thousands, except per share data) | Metric | Nine Months Ended Sep 30, 2019 | Nine Months Ended Sep 30, 2018 | | :--- | :--- | :--- | | Net Interest Income | $23,704 | $22,493 | | Provision for Loan Losses | $830 | $1,125 | | Net Income | $8,862 | $8,159 | | Diluted EPS | $2.32 | $2.15 | - Total comprehensive income for the nine months ended September 30, 2019, was **$13.39 million**, a significant increase from $4.23 million in the same period of 2018, driven by a **$4.53 million unrealized gain** on available-for-sale securities[12](index=12&type=chunk) [Notes to Consolidated Financial Statements](index=12&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) Notes detail the adoption of a new lease standard, deferral of CECL, and improved loan portfolio credit quality - The Company adopted the new lease standard (ASU 2016-02) on January 1, 2019, resulting in the addition of a **$4.1 million right-of-use asset** and a **$4.6 million lease liability** to the consolidated balance sheet[31](index=31&type=chunk) - The Company has deferred the adoption of the new credit loss standard, CECL (ASU 2016-13), to fiscal years beginning after December 31, 2022, as it qualifies as a smaller reporting company[31](index=31&type=chunk) Allowance for Loan Losses Activity (Nine Months Ended Sep 30, 2019, in thousands) | Category | Amount | | :--- | :--- | | Beginning Balance (Dec 31, 2018) | $9,747 | | Net Charge-offs | ($1,136) | | Provision for Loan Losses | $830 | | **Ending Balance (Sep 30, 2019)** | **$9,441** | Loan Quality Indicators (in thousands) | Indicator | Sep 30, 2019 | Dec 31, 2018 | | :--- | :--- | :--- | | Non-accrual loans | $3,858 | $4,298 | | Impaired loans | $4,822 | $6,128 | | Troubled Debt Restructurings (TDRs) | $1,745 | $3,527 | [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=52&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Net income rose 9% to $8.9 million, driven by higher interest income and strong deposit growth funding asset expansion - For the nine months ended Sep 30, 2019, **net income increased by $0.7 million (9%) to $8.9 million** compared to the prior year, driven by higher net interest income and non-interest income, coupled with a lower provision for loan losses[116](index=116&type=chunk) - **Total assets increased by $30.3 million (3%) to $1.0 billion** since year-end 2018, funded by an $82.1 million increase in deposits which was used to fund loan growth and pay down borrowings by $68.7 million[135](index=135&type=chunk) Key Performance Ratios | Ratio | Nine Months Ended Sep 30, 2019 | Nine Months Ended Sep 30, 2018 | | :--- | :--- | :--- | | Return on Average Assets (ROA) | 1.21% | 1.21% | | Return on Average Equity (ROE) | 11.96% | 12.34% | | Efficiency Ratio (non-GAAP) | 62.34% | 61.91% | [Comparison of Financial Condition](index=64&type=section&id=Comparison%20of%20financial%20condition%20at%20September%2030%2C%202019%20and%20December%2031%2C%202018) Total assets grew 3% to $1.01 billion, funded by strong deposit growth which also allowed for reduced borrowings Loan Portfolio Composition Change (in thousands) | Loan Category | Sep 30, 2019 | Dec 31, 2018 | Change | | :--- | :--- | :--- | :--- | | Commercial & Industrial | $122,129 | $126,884 | ($4,755) | | Commercial Real Estate | $234,759 | $226,368 | $8,391 | | Residential | $178,801 | $161,700 | $17,101 | | Consumer | $213,030 | $213,112 | ($82) | | **Total Gross Loans** | **$749,642** | **$729,092** | **$20,550** | Deposit Composition Change (in thousands) | Deposit Category | Sep 30, 2019 | Dec 31, 2018 | Change | | :--- | :--- | :--- | :--- | | Non-interest bearing | $203,816 | $194,731 | $9,085 | | Interest-bearing checking | $251,119 | $224,185 | $26,934 | | Money market | $173,041 | $116,010 | $57,031 | | Savings and clubs | $105,578 | $118,971 | ($13,393) | | Certificates of deposit | $118,768 | $116,286 | $2,482 | | **Total Deposits** | **$852,322** | **$770,183** | **$82,139** | - **Non-performing assets decreased by $0.8 million to $5.5 million**, improving the ratio of non-performing assets to total assets to **0.55%** from 0.64% at year-end 2018[163](index=163&type=chunk) [Quantitative and Qualitative Disclosure about Market Risk](index=85&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosure%20about%20Market%20Risk) The company is asset sensitive, managing interest rate risk with robust capital and a strong liquidity position Simulated Impact of Interest Rate Changes (Earnings at Risk) | Rate Scenario | % Change in Net Interest Income | % Change in Net Income | | :--- | :--- | :--- | | +200 basis points | +4.9% | +12.3% | | -200 basis points | -5.2% | -12.7% | - The Company's one-year cumulative interest rate sensitivity gap was **positive (asset sensitive) at $45.0 million**, or 4.4% of total assets, as of September 30, 2019[188](index=188&type=chunk) - The Company maintains a strong liquidity position with total available funding sources of **$681.4 million**, representing 67% of total assets as of September 30, 2019[194](index=194&type=chunk) - All of the Company's and the Bank's capital ratios **exceeded the requirements to be considered 'well capitalized'** under regulatory guidelines as of September 30, 2019[198](index=198&type=chunk) [Controls and Procedures](index=94&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective with no material changes to internal controls - Based on an evaluation as of the end of the reporting period, the President and Chief Executive Officer and Chief Financial Officer concluded that the **Company's disclosure controls and procedures are effective**[201](index=201&type=chunk) - There were **no changes in the Company's internal controls** over financial reporting during the last fiscal quarter that materially affected, or are reasonably likely to materially affect, these controls[201](index=201&type=chunk) Part II. Other Information [Legal Proceedings](index=95&type=section&id=Item%201.%20Legal%20Proceedings) Pending litigation from ordinary business is not expected to have a material adverse effect on financial condition - No legal proceedings are pending that, if determined adversely, would have a **material adverse effect** on the Company's financial condition or operations[203](index=203&type=chunk) [Risk Factors](index=95&type=section&id=Item%201A.%20Risk%20Factors) No material changes have been identified to the risk factors previously disclosed in the 2018 Form 10-K - Management does not believe there have been any **material changes to the risk factors** disclosed in the 2018 Form 10-K[203](index=203&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=95&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) This section reports no unregistered sales of equity securities or use of proceeds during the period - There were **no unregistered sales of equity securities** or use of proceeds to report for the period[203](index=203&type=chunk) [Exhibits](index=95&type=section&id=Item%206.%20Exhibits) This section lists all exhibits filed with the Form 10-Q, including corporate and compensation documents - The report includes standard exhibits such as organizational documents, compensatory plans, and **CEO/CFO certifications** under Sarbanes-Oxley[203](index=203&type=chunk)[205](index=205&type=chunk)

[Part I. Financial Information](index=4&type=section&id=Part%20I.%20Financial%20Information) [Financial Statements](index=4&type=section&id=Item%201.%20Financial%20Statements) The unaudited consolidated financial statements for Fidelity D & D Bancorp, Inc. as of June 30, 2019, show total assets at **$997.0 million** and Q2 2019 net income at **$3.0 million** [Consolidated Balance Sheets](index=4&type=section&id=Consolidated%20Balance%20Sheets) Total assets reached **$997.0 million** by June 30, 2019, a 1.6% increase, primarily due to a **$69.4 million** rise in deposits Consolidated Balance Sheet Highlights (Unaudited, in thousands) | (In thousands) | June 30, 2019 | December 31, 2018 | | :--- | :--- | :--- | | **Total Assets** | $997,039 | $981,102 | | Available-for-sale securities | $189,899 | $182,810 | | Loans and leases, net | $724,658 | $718,317 | | Total deposits | $839,623 | $770,183 | | **Total Liabilities** | $895,613 | $887,545 | | **Total Shareholders' Equity** | $101,426 | $93,557 | [Consolidated Statements of Income](index=5&type=section&id=Consolidated%20Statements%20of%20Income) Net income for Q2 2019 increased 8.5% to **$3.0 million**, with diluted EPS at **$0.79**, driven by higher net interest income Income Statement Highlights (Unaudited, in thousands except per share data) | Metric | Q2 2019 | Q2 2018 | Six Months 2019 | Six Months 2018 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $7,794 | $7,523 | $15,704 | $14,782 | | Provision for loan losses | $255 | $425 | $510 | $725 | | **Net Income** | **$3,002** | **$2,768** | **$5,804** | **$5,296** | | Net Income - basic (per share) | $0.79 | $0.74 | $1.53 | $1.41 | | Net Income - diluted (per share) | $0.79 | $0.73 | $1.52 | $1.40 | [Consolidated Statements of Comprehensive Income](index=6&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Total comprehensive income for Q2 2019 significantly increased to **$4.5 million**, primarily due to positive unrealized gains on debt securities Comprehensive Income (Unaudited, in thousands) | Metric | Q2 2019 | Q2 2018 | Six Months 2019 | Six Months 2018 | | :--- | :--- | :--- | :--- | :--- | | Net Income | $3,002 | $2,768 | $5,804 | $5,296 | | Other comprehensive income (loss), net of tax | $1,458 | $(704) | $3,449 | $(2,666) | | **Total Comprehensive Income** | **$4,460** | **$2,064** | **$9,253** | **$2,630** | [Consolidated Statements of Changes in Shareholders' Equity](index=7&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Shareholders%27%20Equity) Shareholders' equity increased to **$101.4 million** by June 30, 2019, driven by net income and other comprehensive income, offset by dividends Changes in Shareholders' Equity (Six months ended June 30, 2019, in thousands) | Description | Amount | | :--- | :--- | | Balance, December 31, 2018 | $93,557 | | Net income | $5,804 | | Other comprehensive income | $3,449 | | Cash dividends declared | $(1,981) | | Stock-based compensation & other | $600 | | **Balance, June 30, 2019** | **$101,426** | [Consolidated Statements of Cash Flows](index=9&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Net cash provided by operating activities was **$12.8 million**, with a **$1.7 million** net increase in cash and cash equivalents for H1 2019 Cash Flow Summary (Six months ended June 30, in thousands) | Activity | 2019 | 2018 | | :--- | :--- | :--- | | Net cash provided by operating activities | $12,846 | $7,546 | | Net cash used in investing activities | $(14,774) | $(60,409) | | Net cash provided by financing activities | $3,633 | $55,010 | | **Net increase in cash and cash equivalents** | **$1,705** | **$2,147** | [Notes to Consolidated Financial Statements](index=11&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) The notes detail accounting policies, including allowance for loan losses, fair valuation, and new lease accounting standards adoption - A material estimate susceptible to significant change is the determination of the allowance for loan losses. Management believes the allowance of **$9.5 million** at June 30, 2019 is adequate[26](index=26&type=chunk) - The company adopted ASU 2016-02 (Leases) on January 1, 2019, which resulted in adding a **$4.1 million** right-of-use-asset and a **$4.6 million** lease liability to the consolidated balance sheet[31](index=31&type=chunk) - The company's loan portfolio is primarily composed of Commercial Real Estate (**31.6%**), Residential Real Estate (**22.4%**), Commercial & Industrial (**17.4%**), and Auto loans (**14.2%**) as of June 30, 2019[40](index=40&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=49&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses financial performance, highlighting Q2 2019 net income of **$3.0 million** and total asset growth to **$997.0 million** [Executive Summary and Strategy](index=49&type=section&id=Executive%20Summary%20and%20Strategy) The company aims to enhance shareholder value by growing core lending and deposits, with strategic branch expansion planned - The company's goals are to enhance shareholder value by growing its core business of retail and business lending and deposit gathering[102](index=102&type=chunk) - A new branch location in Mountain Top, PA, is under construction and scheduled to open in Q3 2019, with an expected investment of **$1.5 million**[102](index=102&type=chunk) [Comparison of Results of Operations (Q2 & H1 2019 vs 2018)](index=53&type=section&id=Comparison%20of%20the%20results%20of%20operations) Net income for Q2 2019 rose **8%** to **$3.0 million**, with net interest margin decreasing due to rising liability costs Quarterly Performance Summary (in thousands) | Metric | Q2 2019 | Q2 2018 | Change | | :--- | :--- | :--- | :--- | | Net Income | $3,002 | $2,768 | +8% | | Net Interest Income | $7,794 | $7,523 | +4% | | Provision for Loan Losses | $255 | $425 | -40% | | Non-interest Income | $2,489 | $2,371 | +5% | | Non-interest Expenses | $6,435 | $6,162 | +4% | - The FTE net interest margin decreased by **11 basis points** to **3.54%** in Q2 2019 compared to Q2 2018, as the cost of funds rose faster than asset yields[112](index=112&type=chunk)[117](index=117&type=chunk) - The provision for loan losses decreased by **$0.2 million** (**30%**) for the first six months of 2019 compared to the same period in 2018, primarily due to a deceleration in loan growth and strong asset quality[124](index=124&type=chunk) [Comparison of Financial Condition (June 30, 2019 vs Dec 31, 2018)](index=61&type=section&id=Comparison%20of%20financial%20condition) Total assets increased to **$997.0 million**, funded by a **$69.4 million** rise in deposits, with strong asset quality maintained - Total deposits increased by **$69.4 million** (**9%**) since year-end 2018, driven by growth in money market and non-interest bearing accounts, allowing for a **$47.3 million** reduction in short-term borrowings and a **$16.7 million** paydown of FHLB advances[168](index=168&type=chunk)[172](index=172&type=chunk) - The investment securities portfolio increased by **$7.1 million** and shifted from a net unrealized loss of **$1.4 million** at year-end 2018 to a net unrealized gain of **$3.0 million** at June 30, 2019, due to declining interest rates[130](index=130&type=chunk) - Non-performing assets improved to **0.62%** of total assets, down from **0.64%** at year-end 2018, with non-accrual loans decreasing by **$0.2 million** to **$4.1 million**[154](index=154&type=chunk)[156](index=156&type=chunk) - The allowance for loan losses decreased to **$9.5 million** from **$9.7 million** at year-end, representing **1.29%** of total loans, which management deems sufficient[145](index=145&type=chunk)[149](index=149&type=chunk) [Capital](index=87&type=section&id=Capital) Shareholders' equity increased by **$7.9 million** to **$101.4 million**, driven by net income and comprehensive income, maintaining strong capital ratios - Total shareholders' equity increased by **$7.9 million**, or **8%**, during the first six months of 2019, primarily due to **$5.8 million** in net income and a **$3.4 million** improvement in the net unrealized gain position of the investment portfolio[186](index=186&type=chunk) Consolidated Capital Ratios (Actual vs. Required with Buffer) | Ratio | Actual (June 30, 2019) | Required for Adequacy with Buffer | | :--- | :--- | :--- | | Total capital (to risk-weighted assets) | 15.0% | ≥ 10.5% | | Tier 1 common equity (to risk-weighted assets) | 13.8% | ≥ 7.0% | | Tier I capital (to risk-weighted assets) | 13.8% | ≥ 8.5% | | Tier I capital (to average assets) | 10.3% | ≥ 4.0% | [Quantitative and Qualitative Disclosure about Market Risk](index=81&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosure%20about%20Market%20Risk) The company manages interest rate risk through ALCO, maintaining an asset-sensitive position and strong liquidity with **$662.9 million** in funding sources - The company maintained a one-year cumulative positive (asset sensitive) gap of **$66.7 million**, or **6.7%** of total assets, as of June 30, 2019, which may expose it to risk in a falling rate environment[177](index=177&type=chunk)[178](index=178&type=chunk) Simulated Impact of Interest Rate Changes (as of June 30, 2019) | Scenario | % Change in Net Interest Income | % Change in Net Income | | :--- | :--- | :--- | | Rates +200 bps | +0.1% | +0.8% | | Rates -200 bps | -6.5% | -15.1% | - The company maintains strong liquidity, with total available funding sources of **$662.9 million**, representing **66%** of total assets as of June 30, 2019[185](index=185&type=chunk) [Controls and Procedures](index=90&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that the company's disclosure controls and procedures were effective as of June 30, 2019 - Management, including the CEO and CFO, concluded that the Company's disclosure controls and procedures are effective as of the end of the period covered by the report[192](index=192&type=chunk) [Part II. Other Information](index=91&type=section&id=Part%20II.%20Other%20Information) [Legal Proceedings](index=91&type=section&id=Item%201.%20Legal%20Proceedings) Management believes no pending legal proceedings will materially adversely affect the company's financial condition or operations - No legal proceedings are pending that would have a material adverse effect on the Company's financial condition or operations[194](index=194&type=chunk) [Risk Factors](index=91&type=section&id=Item%201A.%20Risk%20Factors) No material changes to the risk factors previously disclosed in the company's 2018 Form 10-K have occurred - There have been no material changes to the risk factors disclosed in the 2018 Form 10-K[194](index=194&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=91&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) There were no unregistered sales of equity securities or use of proceeds to report for the period - None[194](index=194&type=chunk) [Defaults upon Senior Securities](index=91&type=section&id=Item%203.%20Defaults%20upon%20Senior%20Securities) There were no defaults upon senior securities to report for the period - None[194](index=194&type=chunk) [Other Information](index=91&type=section&id=Item%205.%20Other%20Information) There was no other information to report for the period - None[194](index=194&type=chunk) [Exhibits](index=91&type=section&id=Item%206.%20Exhibits) This section lists exhibits filed with or incorporated by reference into the Form 10-Q, including required certifications - Exhibits filed with the report include CEO and CFO certifications (**31.1**, **31.2**, **32.1**, **32.2**) and Interactive Data Files (**101**)[196](index=196&type=chunk)

Table Of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 OR [ ] 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 IDENTIFI ...

Table Of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2018 COMMISSION FILE NUMBER 001-38229 FIDELITY D & D BANCORP, INC. COMMONWEALTH OF PENNSYLVANIA I.R.S. EMPLOYER IDENTIFICATION NO: 23-3017653 BLAKELY AND DRINKER STREETS DUNMORE, PENNSYLVANIA 18512 TELEPHONE NUMBER (570) 342-8281 SECURITIES REGISTERED UNDER SECTION 12(b) OF THE ACT: Common S ...