Evans Bancorp, Inc. is a financial holding company. The Company has two direct wholly owned subsidiaries: Evans Bank, N.A. (Evans Bank or the Bank), which provides a range of banking services to consumer and commercial customers in Western New York, and Evans National Financial Services, Inc. (ENFS), which owns 100% of The Evans Agency, Inc. (TEA), which sells various premium-based insurance policies on a commission basis. The Bank is a nationally chartered bank. The Bank’s principal source of funding is deposits, which it reinvests in the community in the form of loans and investments. The Bank offers a variety of loan products to its customers, including commercial and consumer loans, and leases and commercial and residential mortgage loans.
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