Evans Bancorp is a community bank holding company that operates Evans Bank, a nationally chartered bank serving Western New York and the Finger Lakes Region. Evans Bank offers standard commercial and consumer banking products — primarily CRE and C&I loans, along with consumer and residential mortgage loans, funded by checking accounts, savings accounts, and CDs. The bank operates 18 branch offices across Erie, Niagara, Monroe, and Chautauqua Counties, with total assets of $2.2B. Evans Bank earns revenue primarily through net interest margin — lending at higher rates than it pays on deposits — supplemented by modest fee income from loan originations, wealth management, and mortgage servicing. Evans Bank's commercial lending portfolio is the primary growth driver, and the bank supplements organic deposits with wholesale funding to manage balance sheet seasonality. Evans sold its insurance subsidiary, The Evans Agency, to Arthur J. Gallagher in November 2023, making it a pure-play community bank. Evans Bancorp agreed in September 2024 to be acquired by NBT Bancorp in an all-stock deal valued at approximately $236M, at a fixed exchange ratio of 0.91 NBT shares per Evans share, with closing expected in Q2 2025.