Fidelity D D Bancorp

1. Market Risk: Fidelity D D Bancorp is a publicly traded company and its stock price is subject to market fluctuations. The value of the company’s stock can fluctuate due to various factors such as economic conditions, interest rates, and market sentiments.

2. Credit Risk: As a financial institution, Fidelity D D Bancorp is exposed to credit risk. This refers to the risk of losses due to a borrower’s inability to repay their loans or meet their financial obligations.

3. Operational Risk: Fidelity D D Bancorp is also exposed to operational risk, which refers to the risk of losses due to internal failures or disruptions in its operations. This can include fraud, system failures, or human error.

4. Regulatory Risk: Being a financial institution, Fidelity D D Bancorp is subject to strict regulations and compliance requirements. Non-compliance with these regulations can lead to fines, penalties, and reputational damage.

5. Interest Rate Risk: Fluctuations in interest rates can have a significant impact on Fidelity D D Bancorp’s profitability. As an interest-sensitive institution, changes in interest rates can affect its net interest margin and ultimately its financial performance.

6. Liquidity Risk: As a lender, Fidelity D D Bancorp is exposed to liquidity risk, which refers to the risk of not being able to meet its financial obligations when they are due. This can lead to financial distress or even bankruptcy.

7. Credit Quality Risk: The credit quality of the company’s loan portfolio can also pose a risk. If a large number of loans become delinquent or default, it can lead to financial losses for Fidelity D D Bancorp.

8. Cybersecurity Risk: In today’s digital age, cybersecurity has become a major concern for financial institutions. Fidelity D D Bancorp may face the risk of data breaches, cyberattacks, and theft of sensitive information.

9. Reputation Risk: Any negative events or controversies associated with Fidelity D D Bancorp can damage its reputation and erode customer trust. This can have a significant impact on its business and financial performance.

10. Economic Risk: Fidelity D D Bancorp’s operations and financial performance can be affected by broader economic factors such as recessions, inflation, and economic downturns. These can impact consumer and business confidence, loan demand, and credit quality.