Evans Bancorp, Inc. is a bank holding company, which engages in the provision of financial solutions. It operates through the Banking Activities and Insurance Agency Activities segments. The Banking Activities segment offers consumer and commercial banking services such as lending, deposits, annuities, and mutual funds. The Insurance Agency Activities segment includes insurance policies on a commission basis, surety bonds, risk management, and disability reinsurance products. The company was founded on October 28, 1988 and is headquartered in Williamsville, NY.