Evans Bancorp, Inc.
| NYSE MKT: EVBN
Evans Bancorp, Inc. is a financial holding company for Evans Bank a federally chartered community bank and Evans National Financial Services. Evans Bank is a commercial bank with principal bank product offerings that include personal and business deposit services, online banking, consumer installment loans, residential and commercial real estate lending, lines of credit and merchant credit cards. Evans National Financial Services, through its subsidiaries sells various premium-based insurance policies on a commission basis. The company operates through two business segments: Banking Activities and Insurance Agency Activities. The Banking Activities segment includes both commercial and consumer banking services, including a wide array of lending and depository services. It also includes direct financing leasing of commercial small-ticket general business equipment. The Insurance Agency segment includes the activities of selling various premium-based insurance policies on a commission basis, including business and personal insurance, surety bonds, risk management, life, disability and long-term care coverage, as well as providing claims adjusting services to various insurance companies and offering non-deposit investment products, such as annuities and mutual funds. Evans Bancorp was founded on October 28, 1988 and is headquartered in Angola, NY.