Evans Bancorp, Inc. functions primarily as the parent financial institution for Evans Bank, N.A., which delivers a comprehensive array of banking services and products. Its clientele spans both individual consumers and businesses located throughout Western New York and the Finger Lakes Region of New York State. The company's operations are segmented into two main divisions: core banking services and insurance agency activities. Within its banking arm, Evans Bancorp offers various deposit instruments, including checking accounts (such as negotiable order of withdrawal accounts), savings accounts, and certificates of deposit. Its lending portfolio is extensive, featuring residential mortgages, financing for commercial and multi-family properties, and loans for commercial construction. Homeowners can also access home equity lines of credit and second mortgage options. For businesses, the bank provides commercial and industrial loans, available as term loans or revolving lines of credit. Consumer lending encompasses direct loans for vehicles (automobile, recreational vehicle, boat), home improvement projects, and personal use. Additionally, the company extends installment loans and covers other credit facilities like cash reserves, overdraft protection, and loan clearing accounts. Beyond banking, Evans Bancorp's insurance division markets a diverse selection of premium-based insurance policies. These offerings include coverage for both business entities and private individuals, employee benefits packages, surety bonds, risk management solutions, and personal protection products such as life, disability, and long-term care insurance. The company also provides claims adjusting services to other insurance carriers. Furthermore, it offers non-deposit investment solutions, including annuities and mutual funds. The company operates through a network of 21 full-service banking branches, strategically located across Erie, Niagara, Monroe, and Chautauqua counties in New York. Established in 1920, Evans Bancorp, Inc. maintains its corporate headquarters in Williamsville, New York.