Evans Bancorp, Inc. is a financial holding company. The Company conducts its business through its two direct wholly owned subsidiaries: Evans Bank, N.A. (the Bank) and Evans National Financial Services, LLC (ENFS). The Company's banking business segment includes both commercial and consumer banking services, including an 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.