Evans Bancorp, Inc. is a financial holding company. The Company�s primary business is the operation of its subsidiaries. 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, LLC (ENFS), which owns 100% in The Evans Agency, LLC (TEA). The banking business segment includes both commercial and consumer banking services, including an array of lending and depository services. 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.