Evans Bancorp, Inc

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Located in Hamburg, N.Y., Evans Bancorp is a financial holding company for Evans National Bank, a federally chartered community bank, and Evans National Financial Services. The company, through its banking and financial services subsidiaries, conducts business in Erie, Cattaraugus, Chautauqua and Niagara counties of western New York. Evans National Bank is a full-service commercial bank with principal bank products, including personal and business deposit services, online banking, consumer installment loans, residential and commercial real estate lending, lines of credit and merchant credit cards. Evans Bancorp initiated a revenue diversification strategy by acquiring nonbank and noninterest margin-based financial service businesses. Nine insurance-related acquisitions were completed that combined to form ENB Insurance Agency, a subsidiary of Evans Bancorp s holding company, Evans National Financial Services. In addition to automobile, home, life, business, municipal and employer insurance products and benefit programs, the agency also offers access to investments, and securities.