Evans Bancorp, Inc. (Evans Bancorp) is a financial holding company. The Company conducts its business through its two direct wholly-owned subsidiaries: Evans Bank, N.A. (Evans Bank or the Bank) and Evans National Financial Services, LLC (ENFS). It operates in two segments: banking, which provides both commercial and consumer banking services, including an array of lending and depository services; and insurance agency activities, which conducts 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 Bank is a nationally chartered bank that provides a range of banking services to consumer and commercial customers in Western New York.