EVBN / Evans Bancorp, Inc. - SEC-arkiveringar, Årsredovisning, Fullmaktsutlåtande

Evans Bancorp, Inc.
US ˙ NYSEAM ˙ US29911Q2084
DENNA SYMBOL ÄR INTE LÄNGRE AKTIV

Grundläggande statistik
CIK 842518
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Evans Bancorp, Inc.
SEC Filings (Chronological Order)
Denna sida innehåller en komplett, kronologisk lista över SEC-arkiveringar, exklusive ägande-arkiveringar som vi tillhandahåller på andra ställen.
May 15, 2025 15-12G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-35021 Evans Bancorp, Inc. (Exact name of registrant as specified in its

May 5, 2025 S-3DPOS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 S-8 POS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 S-3DPOS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 S-8 POS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 EX-99.25

EX-99.25

NOTIFICATION OF THE REMOVAL FROM LISTING AND REGISTRATION OF THE STATED SECURITIES NYSE American LLC hereby notifies the SEC of its intention to remove the entire class of the stated securities from listing and registration on the Exchange at the opening of business on May 16, 2025, pursuant to the provisions of Rule 12d2-2 (a).

May 5, 2025 S-8 POS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 S-3DPOS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 S-8 POS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 S-8 POS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 S-3DPOS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 S-8 POS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 S-8 POS

As filed with the Securities and Exchange Commission on May 5, 2025

As filed with the Securities and Exchange Commission on May 5, 2025 Registration No.

May 5, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 2, 2025 EVANS BANCORP, INC. (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 2, 2025 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commission Fil

March 27, 2025 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A AMENDMENT NO. 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A AMENDMENT NO. 1 [X]ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2024 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35021 EVANS B

March 6, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X]ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2024 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35021 EVANS BANCORP, INC. (Exac

March 6, 2025 EX-19

Evans Bancorp, Inc. Insider Trading Policy (filed herewith)

Exhibit 19   EVANS BANCORP, INC. INSIDER TRADING POLICY SECTION 16 OF THE SECURITIES EXCHANGE ACT OF 1934 RULE 144 OF THE SECURITIES ACT OF 1933  David J. Nasca, President and Chief Executive Officer May 2, 2023 Evans Bancorp, Inc. Insider Trading Policy; Statement and Review; Purpose and Coverage  Overview  Directors, officers or employees of Evans Bancorp, Inc. and its subsidiaries may from

February 20, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 20, 2025 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employe

February 14, 2025 EX-99.A

JOINT FILING AGREEMENT

EX-99.A 2 evbn4442651-ex99a.htm JOINT FILING AGREEMENT EXHIBIT A JOINT FILING AGREEMENT Manulife Financial Corporation, Manulife Investment Management Limited and Manulife Investment Management (US) LLC agree that the Schedule 13G (Amendment No.9) to which this Agreement is attached, relating to the Common Stock of Evans Bancorp, Inc., is filed on behalf of each of them. Manulife Financial Corpora

February 5, 2025 SCHEDULE 13G/A

EVBN / Evans Bancorp, Inc. / FJ Capital Management LLC Passive Investment

SCHEDULE 13G/A 0001171520-18-000110 0001599170 XXXXXXXX LIVE 8 Common Stock 12/31/2024 0000842518 Evans Bancorp (EVBN) 29911Q208 6460 Main Street Williamsville NY 14221 Rule 13d-1(c) FJ Capital Management LLC a DE N IA Martin Friedman a X1 N IN Evans Bancorp (EVBN) 6460 Main Street, Williamsville, NY 14221 This Schedule 13G is being filed on behalf of the following Reporting Persons: FJ Capital Ma

February 4, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 04, 2025 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employe

February 4, 2025 EX-99.1

Evans Bancorp Reports Net Income of $3.7 Million In Fourth Quarter 2024

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $3.7 Million In Fourth Quarter 2024 WILLIAMSVILLE, NY, February 4, 2025 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the fo

December 20, 2024 EX-99

NBT Bancorp Inc. Receives Regulatory Approval, Evans Bancorp, Inc. Shareholders Approve Merger

Exhibit 99 FOR IMMEDIATE RELEASE NBT Bancorp Inc. Receives Regulatory Approval, Evans Bancorp, Inc. Shareholders Approve Merger NORWICH, NY AND WILLIAMSVILLE, NY (December 20, 2024) – NBT Bancorp Inc. (“NBT”) (NASDAQ: NBTB) announced that it has received regulatory approval to complete the proposed merger (the “Merger”) of Evans Bancorp, Inc. (“Evans”) (NYSE American: EVBN) with and into NBT and E

December 20, 2024 8-K

Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 20, 2024 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissi

December 13, 2024 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 13, 2024 NBT BANCORP INC

false000079035900007903592024-12-132024-12-13 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

December 13, 2024 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 13, 2024 EVANS BANCORP,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 13, 2024 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissi

December 13, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 13, 2024 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissi

November 8, 2024 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended September 30, 2024 ¨TRANSITION REPORT PUR

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended September 30, 2024 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-350

November 7, 2024 DEFM14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934         Filed by the Registrant ☒     Filed by a Party other than the Registrant  ☐         Check the appropriate box:  ☐ Preliminary Proxy Statement  ☐ Confidential, for Use of the Commission Only (as permitted by R

November 6, 2024 EX-99.1

Agreement of Joint Filing

EX-99.1 Exhibit 1 Agreement of Joint Filing Endeavour Capital Advisors Inc., Laurence M. Austin, Mitchell J. Katz and Jonah Marcus hereby agree that the Statement on Schedule 13G to which this agreement is attached as an exhibit as well as all future amendments to such Statement, shall be filed jointly on behalf of each of them. This agreement is intended to satisfy the requirements of Rule 13d-1(

November 6, 2024 SC 13G

EVBN / Evans Bancorp, Inc. / ENDEAVOUR CAPITAL ADVISORS INC - SC 13G Passive Investment

SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. )* Under the Securities Exchange Act of 1934 Evans Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.50 per share (Title of Class of Securities) 29911Q208 (CUSIP Number) September 30, 2024 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate t

October 31, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 31, 2024 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer

October 31, 2024 EX-99.1

Evans Bancorp Reports Net Income of $2.9 Million In Third Quarter 2024

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $2.9 Million In Third Quarter 2024 WILLIAMSVILLE, NY, October 31, 2024 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the thi

September 11, 2024 425

Filed by NBT Bancorp Inc.

Filed by NBT Bancorp Inc. (Commission File No. 000-14703) pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Evans Bancorp, Inc. (Commission File No. 001-35021) The following is a transcript of a call hosted by NBT Bancorp Inc. (“NBT” ) on September 10, 2024. CORPORATE PARTICIPANTS • Scott Kingsl

September 10, 2024 425

Filed by NBT Bancorp Inc.

Filed by NBT Bancorp Inc. (Commission File No. 000-14703) pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Evans Bancorp, Inc. (Commission File No. 001-35021) In connection with the pending transaction among NBT Bancorp Inc. (“NBT”), NBT Bank, National Association, Evans Bancorp, Inc. and Evans

September 9, 2024 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 9, 2024 EVANS BANCORP,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 9, 2024 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissi

September 9, 2024 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 9, 2024 NBT BANCORP INC

false000079035900007903592024-09-092024-09-09 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

September 9, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 9, 2024 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissi

September 9, 2024 EX-99.1

NBT Bancorp Inc. and Evans Bancorp, Inc. Announce Strategic Partnership Merger Will Extend NBT’s Growing Footprint to Western New York, Bring Next Generation of Community Banking Into Region

Exhibit 99.1 FOR IMMEDIATE RELEASE NBT Bancorp Inc. and Evans Bancorp, Inc. Announce Strategic Partnership Merger Will Extend NBT’s Growing Footprint to Western New York, Bring Next Generation of Community Banking Into Region NORWICH, NY AND WILLIAMSVILLE, NY (September 9, 2024) – NBT Bancorp Inc. (“NBT”) (NASDAQ: NBTB) and Evans Bancorp, Inc. (“Evans”) (NYSE American: EVBN) today announced they h

September 9, 2024 EX-99.1

NBT Bancorp Inc. and Evans Bancorp, Inc. Announce Strategic Partnership Merger Will Extend NBT’s Growing Footprint to Western New York, Bring Next Generation of Community Banking Into Region

Exhibit 99.1 FOR IMMEDIATE RELEASE NBT Bancorp Inc. and Evans Bancorp, Inc. Announce Strategic Partnership Merger Will Extend NBT’s Growing Footprint to Western New York, Bring Next Generation of Community Banking Into Region NORWICH, NY AND WILLIAMSVILLE, NY (September 9, 2024) – NBT Bancorp Inc. (“NBT”) (NASDAQ: NBTB) and Evans Bancorp, Inc. (“Evans”) (NYSE American: EVBN) today announced they h

September 9, 2024 EX-2.1

AGREEMENT AND PLAN OF MERGER DATED AS OF SEPTEMBER 9, 2024 BY AND AMONG NBT BANCORP INC., NBT BANK, NATIONAL ASSOCIATION, EVANS BANCORP, INC. EVANS BANK, NATIONAL ASSOCIATION TABLE OF CONTENTS

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER DATED AS OF SEPTEMBER 9, 2024 BY AND AMONG NBT BANCORP INC., NBT BANK, NATIONAL ASSOCIATION, EVANS BANCORP, INC. AND EVANS BANK, NATIONAL ASSOCIATION TABLE OF CONTENTS Page ARTICLE I THE MERGER 1 Section 1.01 Terms of the Merger 1 Section 1.02 Tax Consequences 2 Section 1.03 Name of the Surviving Corporation and the Surviving Bank 2 Section 1.04 Certificate

September 9, 2024 EX-2.1

Agreement and Plan of Merger, dated September 9, 2024, by and among NBT Bancorp Inc., NBT Bank, National Association, Evans Bancorp, Inc. and Evans Bank, National Association.

Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER DATED AS OF SEPTEMBER 9, 2024 BY AND AMONG NBT BANCORP INC., NBT BANK, NATIONAL ASSOCIATION, EVANS BANCORP, INC. AND EVANS BANK, NATIONAL ASSOCIATION TABLE OF CONTENTS Page Article I THE MERGER 1 Section 1.01 Terms of the Merger 1 Section 1.02 Tax Consequences 2 Section 1.03 Name of the Surviving Corporation and the Surviving Bank 2 Sectio

September 9, 2024 EX-99.1

NBT Bancorp Inc. and Evans Bancorp, Inc. Announce Strategic Partnership Merger Will Extend NBT’s Growing Footprint to Western New York, Bring Next Generation of Community Banking Into Region

Exhibit 99.1 FOR IMMEDIATE RELEASE NBT Bancorp Inc. and Evans Bancorp, Inc. Announce Strategic Partnership Merger Will Extend NBT’s Growing Footprint to Western New York, Bring Next Generation of Community Banking Into Region NORWICH, NY AND WILLIAMSVILLE, NY (September 9, 2024) – NBT Bancorp Inc. (“NBT”) (NASDAQ: NBTB) and Evans Bancorp, Inc. (“Evans”) (NYSE American: EVBN) today announced they h

September 9, 2024 EX-2.1

Agreement and Plan of Merger, dated September 9, 2024, by and among NBT Bancorp Inc., NBT Bank, National Association, Evans Bancorp, Inc. and Evans Bank, National Association.

Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER DATED AS OF SEPTEMBER 9, 2024 BY AND AMONG NBT BANCORP INC., NBT BANK, NATIONAL ASSOCIATION, EVANS BANCORP, INC. AND EVANS BANK, NATIONAL ASSOCIATION TABLE OF CONTENTS Page Article I THE MERGER 1 Section 1.01 Terms of the Merger 1 Section 1.02 Tax Consequences 2 Section 1.03 Name of the Surviving Corporation and the Surviving Bank 2 Sectio

September 9, 2024 425

A Strategic Partnership for GrowthSeptember 9, 2024 Forward-Looking Statements This communication contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements about NBT Bancor

Filed by NBT Bancorp Inc. (Commission File No. 000-14703) pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Evans Bancorp, Inc. (Commission File No. 001-35021) A Strategic Partnership for GrowthSeptember 9, 2024 Forward-Looking Statements This communication contains forward-looking statements as

August 21, 2024 8-K

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 21, 2024 Evans Bancorp,

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 21, 2024 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer

August 8, 2024 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended June 30, 2024 ¨TRANSITION REPORT PURSUANT

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended June 30, 2024 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35021 EV

July 30, 2024 EX-99.1

Evans Bancorp Reports Net Income of $2.9 Million In Second Quarter 2024

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $2.9 Million In Second Quarter 2024 WILLIAMSVILLE, NY, July 30, 2024 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the secon

July 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 30, 2024 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer of

June 7, 2024 SC 13D/A

EVBN / Evans Bancorp, Inc. / PL Capital Advisors, LLC Activist Investment

SC 13D/A 1 plcapevbn13dano2.htm CUSIP No. 29911Q208 Page 1 of 8 Pages UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Amendment No. 2 Under the Securities Exchange Act of 1934 EVANS BANCORP, INC. (Name of Issuer) Common Stock, $0.50 par value (Title of Class of Securities) 29911Q208 (CUSIP Number) Mr. John W. Palmer PL Capital Advisors, LLC 750 Eleventh Stree

May 9, 2024 EX-10.1

Form of Amended and Restated Change in Control Agreement

AMENDED AND RESTATED CHANGE IN CONTROL AGREEMENT  This Amended and Restated Change in Control Agreement (the “Agreement”) is made effective as of May 9, 2024 (the “Effective Date”), by and between Evans Bancorp, Inc.

May 9, 2024 EX-10.2

Amendment to the 2020 Executive Incentive Retirement Plan Agreement

EVANS BANK, N.A. 2020 EXECUTIVE INCENTIVE RETIREMENT PLAN  AMENDMENT  This Amendment (the “Amendment”) is made to the Evans Bank, N.A. (“Bank”) 2020 Executive Incentive Retirement Plan (the “Plan”), effective as of May 9, 2024.  WHEREAS, the Bank adopted the Plan effective as of January 1, 2020;  WHEREAS, the Bank wishes to amend the Plan to (i) expand the non-solicitation restrictions to incl

May 9, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 09, 2024 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commission Fi

May 8, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 8, 2024 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer of I

May 2, 2024 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended March 31, 2024 ¨TRANSITION REPORT PURSUAN

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended March 31, 2024 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35021 E

April 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 30, 2024 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer o

April 30, 2024 EX-99.1

Evans Bancorp Reports Net Income of $2.3 Million In First Quarter 2024

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $2.3 Million In First Quarter 2024 WILLIAMSVILLE, NY, April 30, 2024 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the first

March 25, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )  Filed by the Registrant [×]Filed by a Party other than Registrant □  Check the appropriate box: □Preliminary Proxy Statement □Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) [×]Def

March 25, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )   Filed by the Registrant [×] Filed by a Party other than Registrant □   Check the appropriate box: □Preliminary Proxy Statement □Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))

March 4, 2024 EX-97

Evans Bancorp, Inc. Clawback Policy.

EVANS BANCORP, INC. CLAWBACK POLICY  The Board of Directors (the “Board”) of Evans Bancorp, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of certain incentive compensation in the event of an accounting restatement.  The Company has adopted this Policy as a supplemen

March 4, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X]ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2023 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35021 EVANS BANCORP, INC. (Exac

February 21, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 20, 2024 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employe

February 14, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 12, 2024 EVANS BANCORP,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 12, 2024 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissi

February 14, 2024 SC 13G/A

EVBN / Evans Bancorp, Inc. / Fourthstone LLC - AMENDMENT TO FORM SC 13G Passive Investment

SC 13G/A 1 evbn-13ga123123.htm AMENDMENT TO FORM SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 1)* Under the Securities Exchange Act of 1934 EVANS BANCORP, INC. (Name of Issuer) Common Stock, par value $0.50 per share (Titles of Class of Securities) 29911Q208 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this

February 14, 2024 EX-10.1

Evans Bank Short Term Incentive Compensation Program for Named Executive Officers & Senior Leadership Team Members

Short Term Incentive Compensation Program Named Executive Officers & Senior Leadership Team Updated: February 2024 Purpose: The purpose of the Evans Bank Excels Short Term Incentive Compensation Program for Named Executive Officers & Senior Leadership Team Members (“Evans Excels for NEO/SLT”) is to consistently recognize and reward employees for superior performance.

February 13, 2024 SC 13G/A

EVBN / Evans Bancorp, Inc. / MANULIFE FINANCIAL CORP - SC 13G/A Passive Investment

SC 13G/A 1 evbn4285901-sc13ga.htm SC 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 9 )* Evans Bancorp Inc (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) December 29, 2023 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rul

February 13, 2024 SC 13G

EVBN / Evans Bancorp, Inc. / VANGUARD GROUP INC - SCHEDULE 13G Passive Investment

SC 13G 1 tv0881-evansbancorpinc.htm SCHEDULE 13G SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 Name of issuer: Evans Bancorp Inc Title of Class of Securities: Common Stock CUSIP Number: 29911Q208 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to designate the rule pursuant to whic

February 6, 2024 SC 13G/A

EVBN / Evans Bancorp, Inc. / FJ Capital Management LLC Passive Investment

SC 13G/A 1 eps11128evbn.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 6) * Evans Bancorp (EVBN) (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) 12/31/2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

February 1, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 01, 2024 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employe

February 1, 2024 EX-99.1

Evans Bancorp Reports Net Income of $24.5 Million in 2023

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $24.5 Million in 2023 WILLIAMSVILLE, NY, February 1, 2024 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the fourth quarter a

December 6, 2023 8-K/A

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A Amendment No. 1 CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 30, 2023 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorp

December 6, 2023 EX-99.1

UNAUDITED PRO FORMA CONDENSED FINANCIAL INFORMATION

Exhibit 99.1 UNAUDITED PRO FORMA CONDENSED FINANCIAL INFORMATION The following unaudited pro forma condensed financial information reflects the statements of income for the nine months ended September 30, 2023 and for the year ended December 31, 2022 as if the sale of substantially all of the assets (the “Asset Sale”) of The Evans Agency, LLC (“TEA”) to Arthur J. Gallagher & Co. and Arthur J. Gall

December 1, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 30, 2023 EVANS BANCORP,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 30, 2023 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissi

December 1, 2023 EX-2.2

Amendment to Asset Purchase Agreement, dated as of November 30, 2023, by and among Arthur J. Gallagher & Co., Arthur J. Gallagher Risk Management Services, LLC, The Evans Agency, LLC, Evans National Financial Services, LLC and Evans Bancorp, Inc.*

Exhibit 2.2 AMENDMENT TO ASSET PURCHASE AGREEMENT THIS AMENDMENT TO ASSET PURCHASE AGREEMENT (this “Amendment”) is entered into as of November 30, 2023, by and among ARTHUR J. GALLAGHER & CO., a Delaware corporation (“Gallagher”), ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES, LLC, a Delaware limited liability company (“Subsidiary”), THE EVANS AGENCY, LLC, a New York limited liability company (“Sel

November 15, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 15, 2023 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employe

November 15, 2023 EX-99.1

Piper Sandler & Co

 Piper Sandler & Co East Coast Financial Services Conference November 16, 2023 David J.

November 9, 2023 EX-10.1

Agreement to Terminate Change in Control Agreement, dated as of November 7, 2023, by and between Evans Bancorp, Inc. and Aaron Whitehouse

Exhibit 10.1 AGREEMENT TO TERMINATE CHANGE IN CONTROL AGREEMENT THIS AGREEMENT TO TERMINATE CHANGE IN CONTROL AGREEMENT (this “Agreement”) is made this 7th day of November, 2023, by and between Evans Bancorp, Inc. (the “Company”) and Aaron Whitehouse (the “Executive”). WHEREAS, the Company has entered into an Asset Purchase Agreement, dated as of November 7, 2023 (the “APA”) between Arthur J. Gall

November 9, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 7, 2023 EVANS BANCORP, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 7, 2023 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissio

November 9, 2023 EX-99.1

Evans Bancorp, Inc. Announces Agreement to Sell the Insurance Operations of The Evans Agency, LLC to Arthur J. Gallagher & Co.

Exhibit 99.1 News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 IMMEDIATE RELEASE Evans Bancorp, Inc. Announces Agreement to Sell the Insurance Operations of The Evans Agency, LLC to Arthur J. Gallagher & Co. WILLIAMSVILLE, NY, November 7, 2023 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New

November 9, 2023 EX-2.1

Asset Purchase Agreement, dated as of November 7, 2023, by and among Arthur J. Gallagher & Co., Arthur J. Gallagher Risk Management Services, LLC, The Evans Agency, LLC, Evans National Financial Services, LLC and Evans Bancorp, Inc. *

Exhibit 2.1 EXECUTION VERSION ASSET PURCHASE AGREEMENT by and among ARTHUR J. GALLAGHER & CO., Arthur J. Gallagher Risk Management Services, LLC, the evans agency, LLC, EVANS national financial services, llc and evans bancorp, inc. TABLE OF CONTENTS SECTION PAGE Section 1. Definitions 1 Section 2. Property Purchased and Sold 10 Section 3. Assumption of Certain Liabilities of Seller 12 Section 4. P

October 30, 2023 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended September 30, 2023 ¨TRANSITION REPORT PUR

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended September 30, 2023 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-350

October 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 26, 2023 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer

October 26, 2023 EX-99.1

Evans Bancorp Reports Net Income of $3.6 Million in Third Quarter 2023

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $3.6 Million in Third Quarter 2023 WILLIAMSVILLE, NY, October 26, 2023 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the thi

September 7, 2023 SC 13D/A

EVBN / Evans Bancorp Inc / PL Capital Advisors, LLC Activist Investment

CUSIP No. 29911Q208 Page 1 of 8 Pages UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Amendment No. 1 Under the Securities Exchange Act of 1934 EVANS BANCORP, INC. (Name of Issuer) Common Stock, $0.50 par value (Title of Class of Securities) 29911Q208 (CUSIP Number) Mr. John W. Palmer PL Capital Advisors, LLC 750 Eleventh Street South Suite 202 Naples, FL 341

August 23, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 23, 2023 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer

August 8, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 8, 2023 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer o

August 8, 2023 EX-99.1

Investor Presentation

Investor Presentation August 2023 David J. Nasca President & Chief Executive Officer John B. Connerton EVP & Chief Financial Officer  Safe Harbor Statement This presentation includes "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements include, but are not limited to, statements concerning future business, revenue

August 1, 2023 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended June 30, 2023 ¨TRANSITION REPORT PURSUANT

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended June 30, 2023 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35021 EV

July 27, 2023 EX-99.1

Evans Bancorp Reports Net Income of $4.9 Million in Second Quarter 2023

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $4.9 Million in Second Quarter 2023 WILLIAMSVILLE, NY, July 27, 2023 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the secon

July 27, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 27, 2023 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer of

May 3, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 2, 2023 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer of I

May 2, 2023 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended March 31, 2023 ¨TRANSITION REPORT PURSUAN

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended March 31, 2023 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35021 E

April 27, 2023 EX-99.1

Evans Bancorp Reports Net Income Growth of 22% to $5.8 Million in First Quarter 2023

EX-99.1 2 evbn-20230427xex991.htm EX-99.1 News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income Growth of 22% to $5.8 Million in First Quarter 2023 WILLIAMSVILLE, NY, April 27, 2023 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since

April 27, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 27, 2023 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer o

March 22, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )  Filed by the Registrant [×]Filed by a Party other than Registrant □  Check the appropriate box: □Preliminary Proxy Statement □Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) [×]Def

March 22, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )   Filed by the Registrant [×] Filed by a Party other than Registrant □   Check the appropriate box: □Preliminary Proxy Statement □Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))

March 3, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X]ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2022 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35021 EVANS BANCORP, INC. (Exac

February 23, 2023 8-K

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 23, 2023 Evans Bancorp

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 23, 2023 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employe

February 14, 2023 SC 13G/A

EVBN / Evans Bancorp Inc. / MANULIFE FINANCIAL CORP - AMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP Passive Investment

SC 13G/A 1 evbn4164415-sc13ga.htm AMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 8 )* Evans Bancorp, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) December 30, 2022 (Date of Event which Requires Filin

February 14, 2023 SC 13G

EVBN / Evans Bancorp Inc. / Fourthstone LLC - SCHEDULE 13G Passive Investment

SC 13G 1 evnb-sc13g123122.htm SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No.)* Under the Securities Exchange Act of 1934 EVANS BANCORP, INC. (Name of Issuer) Common Stock, par value $0.50 per share (Titles of Class of Securities) 29911Q208 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check

February 8, 2023 SC 13G/A

EVBN / Evans Bancorp Inc. / FJ Capital Management LLC Passive Investment

SC 13G/A 1 epsevbn.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5) * Evans Bancorp (EVBN) (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) 12/31/2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

February 2, 2023 EX-99.1

Evans Bancorp Reports Net Income of $22.4 Million

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $22.4 Million in 2022 WILLIAMSVILLE, NY, February 2, 2023 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the fourth quarter a

February 2, 2023 8-K

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 02, 2023 Evans Bancorp

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 02, 2023 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employe

January 30, 2023 EX-3.1

Amended and Restated Bylaws of the Company, effective as of January 24, 2023 (incorporated by reference to Exhibit 3.2 to the Company’s Current Report on Form 8-K filed on January 30, 2023)

INDEX TO AMENDED AND RESTATED BYLAWS OF EVANS BANCORP, INC.  ARTICLE I. MEETINGS OF SHAREHOLDERS.......................................................................................1 Section 101. Place of Meetings 1 Section 102. Annual Meetings 1 Section 103. Special Meetings 1 Section 104. Record Date 1 Section 105. Notice of Meetings; Waiver 1 Section 106. Quorum 2 Section 107. Adjournment 2

January 30, 2023 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 24, 2023 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissio

November 14, 2022 EX-99.1

JOINT FILING AGREEMENT

Exhibit 99.1 Exhibit 99.1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Schedule 13D (including any and all amendments thereto) with respect to the common stock, $0.50 par value, of Evans Bancorp, Inc., and further agree that this Joint Filing Agreement shall be

November 14, 2022 SC 13D

EVBN / Evans Bancorp Inc. / PL Capital Advisors, LLC Activist Investment

1 of 9 Pages CUSIP No. 29911Q208 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 EVANS BANCORP, INC. (Name of Issuer) Common Stock, $0.50 par value (Title of Class of Securities) 29911Q208 (CUSIP Number) Mr. John W. Palmer PL Capital Advisors, LLC 750 Eleventh Street South Suite 202 Naples, FL 34102 (239) 777-0187 (Name

November 2, 2022 EX-99.1

HOVDE Financial Services Conference HOVDE Financial Services Conference November 3-4, 2022 David J. Nasca President & Chief Executive Officer John B. ConnertonEVP & Chief Financial Officer This presentation includes "forward looking statements" withi

HOVDE Financial Services Conference HOVDE Financial Services Conference November 3-4, 2022 David J.

November 2, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 2, 2022 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer

October 28, 2022 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended September 30, 2022 ¨TRANSITION REPORT PUR

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended September 30, 2022 ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-350

October 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 26, 2022 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer

October 26, 2022 EX-99.1

Evans Bancorp Reports Net Income of $5.9 Million in Third Quarter 2022

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $5.9 Million in Third Quarter 2022 WILLIAMSVILLE, NY, October 26, 2022 ? Evans Bancorp, Inc. (the ?Company? or ?Evans?) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the thi

September 7, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 7, 2022 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employe

September 7, 2022 EX-99.1

Raymond James Conference Sept 8, 2022 John B. Connerton EVP & Chief Financial Officer Dale M. McKim EVP & Chief Risk Officer This presentation includes "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of

Raymond James Conference Sept 8, 2022 John B. Connerton EVP & Chief Financial Officer Dale M. McKim EVP & Chief Risk Officer This presentation includes "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements include, but are not limited to, statements concerning future business, revenue and earnings. These statements

August 16, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 16, 2022 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer

July 29, 2022 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended June 30, 2022 ¨TRANSITION REPORT PURSUANT

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended June 30, 2022 ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35021 EV

July 27, 2022 EX-99.1

Evans Bancorp Reports Net Income of $5.7 Million in Second Quarter 2022

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $5.7 Million in Second Quarter 2022 WILLIAMSVILLE, NY, July 27, 2022 ? Evans Bancorp, Inc. (the ?Company? or ?Evans?) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the secon

July 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 27, 2022 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer of

June 7, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 7, 2022 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer of

June 7, 2022 EX-99.1

 Investor Presentation June 2022 David J. Nasca President & CEO John B. Connerton Executive Vice President & CFO

? Investor Presentation June 2022 David J. Nasca President & CEO ? John B. Connerton Executive Vice President & CFO ? This presentation includes "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements include, but are not limited to, statements concerning future business, revenue and earnings. These statements are not

May 4, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 3, 2022 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer of I

April 29, 2022 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended March 31, 2022 ¨TRANSITION REPORT PURSUAN

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended March 31, 2022 ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35021 E

April 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 27, 2022 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer o

April 27, 2022 EX-99.1

Evans Bancorp Reports Net Income of $4.7 Million in First Quarter 2022

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $4.7 Million in First Quarter 2022 WILLIAMSVILLE, NY, April 27, 2022 ? Evans Bancorp, Inc. (the ?Company? or ?Evans?) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the first

March 24, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A 1 evbn-20220324xdef14a.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )  Filed by the Registrant [×]Filed by a Party other than Registrant □  Check the appropriate box: □Preliminary Proxy Statement □Confidential, for Use of the Commission Onl

March 9, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X]ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2021 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35021 EVANS BANCORP, INC. (Exac

February 16, 2022 SC 13G/A

EVBN / Evans Bancorp Inc. / MANULIFE FINANCIAL CORP - AMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 7)* Evans Bancorp, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is filed

February 16, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 15, 2022 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employe

February 10, 2022 SC 13G/A

EVBN / Evans Bancorp Inc. / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4) * Evans Bancorp (EVBN) (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) 12/31/2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule

February 9, 2022 EX-99.1

Joint Filing Agreement

EXHIBIT 99.1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Schedule 13G (including any and all amendments thereto) with respect to the common stock, no par value, of Evans Bancorp, Inc., and further agree that this Joint Filing Agreement shall be included as an

February 9, 2022 SC 13G/A

EVBN / Evans Bancorp Inc. / PL Capital Advisors, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 2) Evans Bancorp, Inc. (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 29911Q208 (CUSIP Number) Mr. John W. Palmer PL Capital Advisors, LLC 750 Eleventh Street South Suite 202 Naples, FL 34102 (239) 777-0187 (Name, Address and Te

February 3, 2022 EX-99.1

Evans Bancorp Reports Record Net Income of $24 Million in 2021

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Record Net Income of $24 Million in 2021 WILLIAMSVILLE, NY, February 3, 2022 ? Evans Bancorp, Inc. (the ?Company? or ?Evans?) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the fourth quar

February 3, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 3, 2022 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer

February 3, 2022 EX-99.2

Earnings Presentation dated February 3, 2022

November 1, 2021 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended September 30, 2021 ¨TRANSITION REPORT PUR

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended September 30, 2021 ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-350

October 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 28, 2021 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer

October 28, 2021 EX-99.1

Evans Bancorp Reports Record Net Income of $7.0 Million in Third Quarter 2021

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Record Net Income of $7.0 Million in Third Quarter 2021 WILLIAMSVILLE, NY, October 28, 2021 ? Evans Bancorp, Inc. (the ?Company? or ?Evans?) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for

August 17, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 17, 2021 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer

August 13, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 13, 2021 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer

August 13, 2021 EX-10.1

Change in Control Agreement by and between Evans Bancorp, Inc. and Aaron Whitehouse

CHANGE IN CONTROL AGREEMENT ? This Change in Control Agreement (the ?Agreement?) is made effective as of August 11, 2021 (the ?Effective Date?), by and between Evans Bancorp, Inc.

August 2, 2021 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended June 30, 2021 ¨TRANSITION REPORT PURSUANT

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended June 30, 2021 ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35021 EV

July 29, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 29, 2021 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer of

July 29, 2021 EX-99.1

Evans Bancorp Reports Record Net Income of $6.3 Million in Second Quarter 2021

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Record Net Income of $6.3 Million in Second Quarter 2021 WILLIAMSVILLE, NY, July 29, 2021 ? Evans Bancorp, Inc. (the ?Company? or ?Evans?) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for th

May 4, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 4, 2021 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer of I

May 3, 2021 10-Q

Quarterly Report - 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended March 31, 2021 ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35021 E

April 29, 2021 EX-99.1

Evans Bancorp Reports Net Income of $4.9 Million in First Quarter 2021

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $4.9 Million in First Quarter 2021 WILLIAMSVILLE, NY, April 29, 2021 ? Evans Bancorp, Inc. (the ?Company? or ?Evans?) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported its results of operations for the f

April 29, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 29, 2021 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employer o

March 24, 2021 DEF 14A

- DEF 14A

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(

March 19, 2021 10-K

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X]ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2020 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35021 EVANS BANCORP, INC. (Exac

February 26, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 25, 2021 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employe

February 26, 2021 EX-99.1

Evans Bancorp, Inc. Announces Stock Repurchase Program

News Release News Release   Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221  IMMEDIATE RELEASE Evans Bancorp, Inc. Announces Stock Repurchase Program WILLIAMSVILLE, NY, February 25, 2021 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, announced that its Board of Directors has approv

February 22, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 16, 2021 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissi

February 22, 2021 EX-10.1

EVANS BANK EXCELS PLAN (AS PART OF THE SHORT-TERM INCENTIVE COMPENSATION PROGRAM) (NAMED EXECUTIVE OFFICERS & SENIOR LEADERSHIP TEAM) ARTICLE I Establishment, Purpose and Duration

Exhibit 10.1 EVANS BANK EXCELS PLAN (AS PART OF THE SHORT-TERM INCENTIVE COMPENSATION PROGRAM) (NAMED EXECUTIVE OFFICERS & SENIOR LEADERSHIP TEAM) ARTICLE I Establishment, Purpose and Duration 1.1 Establishment. The Evans Bank Excels Plan (the ?Plan?) is adopted Evans Bank (the ?Bank?), effective as of February 16, 2021 (the ?Effective Date?). 1.2 Purpose. The objective of the Plan is to optimize

February 16, 2021 8-K

Regulation FD Disclosure

UNITED STATES ?SECURITIES AND EXCHANGE COMMISSION ?WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 16, 2021 Evans Bancorp, Inc. ? ?(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ?(State or Other Jurisdiction ?(Commission ?(I.R.S. Employe

February 10, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3) *

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3) * Evans Bancorp (EVBN) (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) 12/31/2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule

February 4, 2021 EX-99.1

Evans Bancorp Reports Net Income of $6.0 Million in Fourth Quarter 2020

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Net Income of $6.0 Million in Fourth Quarter 2020 WILLIAMSVILLE, NY, February 4, 2021 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported its results of operations for th

February 4, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 4, 2021 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer

February 3, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. 6) * Under the Securities Exchange Act of 1934

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. 6) * Under the Securities Exchange Act of 1934 Evans Bancorp, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is file

February 2, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 1) Evans Bancorp, Inc. (Name of Issuer) Common Stock, $0.50 par value (Title of Class of Securities) (CUSI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 1) Evans Bancorp, Inc. (Name of Issuer) Common Stock, $0.50 par value (Title of Class of Securities) 29911Q208 (CUSIP Number) Mr. John W. Palmer PL Capital Advisors, LLC 750 Eleventh Street South Suite 202 Naples, FL 34102 (239) 777-0187 (Name, Address and

November 6, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended September 30, 2020 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-350

October 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 29, 2020 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer

October 29, 2020 EX-99.1

Third Quarter 2020 Financial Results October 29, 2020. This presentation includes "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements include, but are not limited to

Exhibit 99.1 Third Quarter 2020 Financial Results October 29, 2020.  This presentation includes "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements include, but are not limited to, statements concerning future business, revenue and earnings. These statements are not historical facts or guarantees of future perfor

October 29, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2020 EVANS BANCORP, INC. (Exact name of registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (SEC Commissio

October 29, 2020 EX-99.1

Evans Bancorp Reports Third Quarter 2020 Results

News Release Evans Bancorp, Inc. 6460 Main Street, Williamsville, NY 14221 FOR IMMEDIATE RELEASE Evans Bancorp Reports Third Quarter 2020 Results WILLIAMSVILLE, NY, October 29, 2020 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported its results of operations for the third quarter ended S

October 8, 2020 424B3

Evans Bancorp, Inc. Offer to Exchange Up to $20,000,000 in aggregate principal amount of 6.00% Fixed-to-Floating Rate Subordinated Notes due 2030 that have been registered under the Securities Act of 1933, as amended, for any and all outstanding unre

Filed pursuant to Rule 424(b)(3) Registration No. 333-248582 PROSPECTUS Evans Bancorp, Inc. Offer to Exchange Up to $20,000,000 in aggregate principal amount of 6.00% Fixed-to-Floating Rate Subordinated Notes due 2030 that have been registered under the Securities Act of 1933, as amended, for any and all outstanding unregistered 6.00% Fixed-to-Floating Rate Subordinated Notes due 2030 The exchange

October 7, 2020 S-4/A

- S-4/A

As filed with the Securities and Exchange Commission on October 7, 2020 Registration No.

October 5, 2020 CORRESP

-

EVANS BANCORP, INC. 6460 Main Street Williamsville, New York 14221 October 5, 2020 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Evans Bancorp, Inc. Registration Statement on Form S-4 (Registration Number 333-248582) Request for Acceleration of Effectiveness Ladies and Gentlemen: Evans Bancorp, Inc., a New York corporation (the “Company”), hereby reques

October 2, 2020 S-3D

- S-3D

As filed with the Securities and Exchange Commission on October 2, 2020 Registration No.

September 25, 2020 EX-10.1

Amendment Number One, dated as of September 21, 2020, to the Employment Agreement by and among Evans Bank, N.A., Evans Bancorp, Inc. and David J. Nasca, executed and delivered by the Company and the Bank on September 14, 2009 and effective as of September 9, 2009 (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K, as filed on September 25, 2020).

FIRST AMENDMENT TO EMPLOYMENT AGREEMENT between Evans Bank, N.A., Evans Bancorp, Inc. and David J. Nasca  THIS AGREEMENT is made this 21st day of September , 2020, by and between by and between Evans Bank, N.A. (the “Bank”), Evans Bancorp, Inc. (the “Company”), and David J. Nasca (the “Executive”). Any reference to the “Employer” shall mean both the Company and the Bank. WHEREAS, the Employer and

September 25, 2020 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 21, 2020 EVANS BANCORP,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 21, 2020 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commiss

September 17, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 15, 2020 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commiss

September 3, 2020 S-4

Power of Attorney (included on the signature page to this registration statement) *

As filed with the Securities and Exchange Commission on September 3, 2020 Registration No.

September 3, 2020 EX-99.1

Form of Letter of Transmittal relating to the 6.00% Fixed-to-Floating Rate Subordinated Notes due 2030

Exhibit 99.1 FORM OF LETTER OF TRANSMITTAL to Tender for Exchange 6.00% Fixed-to-Floating Rate Subordinated Notes due 2030 of Evans Bancorp, Inc. Pursuant to the Prospectus Dated , 2020 THE EXCHANGE OFFER DESCRIBED HEREIN WILL EXPIRE AT 5:00 P.M., EASTERN TIME, ON [expiration date], UNLESS EXTENDED (THE “EXPIRATION DATE”). TENDERS MAY BE WITHDRAWN PRIOR TO 5:00 P.M., EASTERN TIME, ON THE EXPIRATIO

September 3, 2020 EX-25.1

Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of UMB Bank, N.A., with respect to the Indenture, dated as of July 9, 2020, between Evans Bancorp, Inc. and UMB Bank, N.A., as trustee, relating to the 6.00% Fixed-to-Floating Rate Subordinated Notes due 2030

EX-25.1 4 tm2029983d1ex25-1.htm EXHIBIT 25.1 Exhibit 25.1 securities and exchange commission Washington, D.C. 20549 FORM T-1 Statement of Eligibility Under The Trust Indenture Act of 1939 of a Corporation Designated to Act as Trustee Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) UMB BANK, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its

August 18, 2020 8-K

Regulation FD Disclosure - 8-K

UNITED STATES ‎SECURITIES AND EXCHANGE COMMISSION ‎WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 18, 2020 Evans Bancorp, Inc. ‎ ‎(Exact Name of Registrant as Specified in Charter) New York 001-35021 16-1332767 ‎(State or Other Jurisdiction ‎(Commission ‎(I.R.S. Employer

August 7, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For quarterly period ended June 30, 2020 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-35021 EV

July 29, 2020 EX-99.1

Evans Bancorp Earnings Release Presentation.

July 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  Date of report (Date of earliest event reported): July 29, 2020 Evans Bancorp, Inc. (Exact Name of Registrant as Specified in Charter)   New York 001-35021 161332767 (State or Other Jurisdiction (Commission (I.R.S. Employer of In

July 29, 2020 EX-99.1

Evans Bancorp Reports Second Quarter 2020 Results

News Release Evans Bancorp, Inc. One Grimsby Drive Hamburg, NY 14075 FOR IMMEDIATE RELEASE Evans Bancorp Reports Second Quarter 2020 Results HAMBURG, NY, July 29, 2020 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported its results of operations for the second quarter ended June 30, 2020.

July 29, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

8-K 1 evbn-20200729x8k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2020  EVANS BANCORP, INC. (Exact name of registrant as specified in its charter)    New York 001-35021 161332767 (State or other jurisdicti

July 9, 2020 EX-99.1

Evans Bancorp, Inc. Completes Private Placement of $20 Million of Subordinated Notes

EX-99.1 Exhibit 99.1 News Release Evans Bancorp, Inc. One Grimsby Drive Hamburg, NY 14075 FOR IMMEDIATE RELEASE Evans Bancorp, Inc. Completes Private Placement of $20 Million of Subordinated Notes HAMBURG, N.Y., July 9, 2020 – Evans Bancorp, Inc. (the “Company”) (NYSE American: EVBN), the holding company for Evans Bank, N.A. (the “Bank”), today announced the completion of its private placement of

July 9, 2020 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 9, 2020 EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter) New York 001-35021 16-1332767 (State or other jurisdiction of incorporation) (Commissio

July 9, 2020 EX-4.1

Indenture, dated as of July 9, 2020, by and between Evans Bancorp, Inc. and UMB Bank, National Association, as trustee, including form of 6.00% Fixed-to-Floating Rate Subordinated Note due 2030 of Evans Bancorp, Inc. (incorporated by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K, as filed on July 9, 2020).

EX-4.1 Exhibit 4.1 EVANS BANCORP, INC. As Issuer, and UMB BANK, NATIONAL ASSOCIATION As Trustee INDENTURE Dated as of July 9, 2020 6.00% Fixed to Floating Rate Subordinated Notes due 2030 TABLE OF CONTENTS ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 101 Definitions 1 Section 102 Compliance Certificates and Opinions 9 Section 103 Form of Documents Delivered to Trustee 9 Section 1

July 9, 2020 EX-10.1

Form of Subordinated Note Purchase Agreement, dated as of July 9, 2020, by and between Evans Bancorp, Inc. and the several Purchasers (incorporated by reference to Exhibit 10.1 of the Registrant’s Current Report on Form 8-K, filed July 9, 2020)

EX-10.1 Exhibit 10.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of July 9, 2020, and is made by and among Evans Bancorp, Inc., a New York corporation (the “Company”), and the several purchasers of the Subordinated Notes (as defined herein) identified on the signature pages hereto (each a “Purchaser” and collectively, the “Purchaser

July 9, 2020 EX-99.2

Safe Harbor Statement This presentation includes "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements include, but are not limited to, statements concerning future bu

EX-99.2 Subordinated Notes Offering June 2020 David J. Nasca President & Chief Executive Officer John B. Connerton Executive Vice President & Chief Financial Officer Dale M. McKim III Executive Vice President & Chief Risk Officer Exhibit 99.2 Safe Harbor Statement This presentation includes "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Suc

July 9, 2020 EX-10.2

Form of Registration Rights Agreement, dated as of July 9, 2020, by and between Evans Bancorp, Inc. and the several Purchasers (incorporated by reference to Exhibit 10.2 of the Registrant’s Current Report on Form 8-K, filed July 9, 2020)

EX-10.2 Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT This REGISTRATION RIGHTS AGREEMENT (the “Agreement”) is dated as of July 9, 2020 and is made by and among Evans Bancorp, Inc. a New York corporation (the “Company”), and the several purchasers of the Subordinated Notes (as defined below) identified on the signature pages to the Purchase Agreement (as defined below) (collectively, the “Purchasers”)

July 6, 2020 EX-99.1

UNAUDITED PRO FORMA COMBINED CONDENSED FINANCIAL INFORMATION

EX-99.1 Exhibit 99.1 UNAUDITED PRO FORMA COMBINED CONDENSED FINANCIAL INFORMATION The following unaudited pro forma combined condensed financial statements are based on the separate historical financial statements of Evans Bancorp, Inc., or Evans, and FSB Bancorp, Inc., or FSB, and give effect to the mergers of (i) Merger Sub, Inc., a Maryland corporation and wholly-owned subsidiary of Evans, or M

July 6, 2020 8-K/A

Financial Statements and Exhibits

8-K/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 6, 2020 (May 1, 2020) EVANS BANCORP, INC. (Exact name of registrant as specified in its charter) New York 001-35021 161332767 (State or other jurisdiction of incorporatio

June 29, 2020 11-K

- FSB BANCORP, INC. FORM 11-K DECEMBER 31, 2019

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF TH

June 5, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 5, 2020  EVANS BANCORP, INC. (Exact name of registrant as specified in its charter)    New York 001-35021 161332767 (State or other jurisdiction of incorporation) (SEC Commis

June 5, 2020 EX-99.1

Evans Bancorp Investor Presentation.

                       

May 5, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents  United States SECURITIES AND EXCHANGE COMMISSION Washington, D.

May 1, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 1, 2020 EVANS BANCORP, INC. (Exact name of registrant as specified in its charter) New York 001-35021 161332767 (State or other jurisdiction of incorporation) (SEC Commission

May 1, 2020 EX-10.1

Non-Competition Agreement, dated as of March 3, 2020, by and between Evans Bancorp, Inc. and Kevin Maroney (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K, as filed on May 1, 2020).

EX-10.1 Exhibit 10.1 NON-COMPETITION AGREEMENT This Non-Competition Agreement (this “Agreement”), dated as of March 3, 2020, is entered into by Evans Bancorp, Inc., a New York corporation (“Parent”), and Kevin D. Maroney (“Executive”). WHEREAS, Parent, FSB Bancorp, Inc., a Maryland corporation (“Target”), and MMS Merger Sub, Inc., a Maryland corporation (“Merger Sub”) have entered into an Agreemen

May 1, 2020 EX-99.1

Evans Bancorp, Inc. Completes Acquisition of FSB Bancorp, Inc.

EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Evans Bancorp, Inc. Completes Acquisition of FSB Bancorp, Inc. HAMBURG, N.Y., May 1, 2020 – Evans Bancorp, Inc. (“Evans”) (NYSE American: EVBN), parent company of Evans Bank, N.A. (“Evans Bank”), announced the completion of its acquisition of FSB Bancorp, Inc. (“FSB”) and its primary subsidiary, Fairport Savings Bank (“Fairport”). This transaction strengt

April 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549  FORM 8-K  CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934   Date of report (Date of earliest event reported): April 29, 2020 Evans Bancorp, Inc. (Exact Name of Registrant as Specified in Charter)   New York 001-35021 161332767 (State or Other Jurisdiction (Commission (I.R.S. Employe

April 29, 2020 EX-99.1

Evans Bancorp Reports First Quarter 2020 Results

News Release Evans Bancorp, Inc. One Grimsby Drive Hamburg, NY 14075 FOR IMMEDIATE RELEASE Evans Bancorp Reports First Quarter 2020 Results HAMBURG, NY, April 29, 2020 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported its results of operations for the first quarter ended March 31, 2020.

April 24, 2020 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8‑K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  Date of report (Date of Earliest Event Reported): April 23, 2020 Evans Bancorp, Inc.

April 17, 2020 8-K

Financial Statements and Exhibits, Other Events

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 17, 2020 EVANS BANCORP, INC. (Exact name of registrant as specified in its charter) New York 001-35021 161332767 (State or other jurisdiction of incorporation) (SEC Commissi

April 17, 2020 425

EVBN / Evans Bancorp, Inc. 425 - Merger Prospectus - 8-K

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 17, 2020 EVANS BANCORP, INC. (Exact name of registrant as specified in its charter) New York 001-35021 161332767 (State or other jurisdiction of incorporation) (SEC Commissi

April 17, 2020 EX-99.1

Evans Bancorp, Inc. Announces the Receipt of Regulatory Approvals and Deadline of April 24, 2020 for Electing Merger Consideration in Connection with the Proposed Merger

EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Evans Bancorp, Inc. Announces the Receipt of Regulatory Approvals and Deadline of April 24, 2020 for Electing Merger Consideration in Connection with the Proposed Merger HAMBURG, N.Y. – Evans Bancorp, Inc. (“Evans”) (NYSE American: EVBN), today announced the election deadline of 5:00 p.m., Eastern Time, April 24, 2020 (the “Election Deadline”) for stockho

April 17, 2020 EX-99.1

Evans Bancorp, Inc. Announces the Receipt of Regulatory Approvals and Deadline of April 24, 2020 for Electing Merger Consideration in Connection with the Proposed Merger

EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE Evans Bancorp, Inc. Announces the Receipt of Regulatory Approvals and Deadline of April 24, 2020 for Electing Merger Consideration in Connection with the Proposed Merger HAMBURG, N.Y. – Evans Bancorp, Inc. (“Evans”) (NYSE American: EVBN), today announced the election deadline of 5:00 p.m., Eastern Time, April 24, 2020 (the “Election Deadline”) for stockho

March 24, 2020 DEF 14A

Definitive Proxy Statement on Schedule 14A, filed with the SEC on March 24, 2020

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  SCHEDULE 14A  Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )  Filed by the Registrant [×]Filed by a Party other than Registrant □  Check the appropriate box: □Preliminary Proxy Statement □Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) [×]D

March 13, 2020 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  Date of report (Date of earliest event reported): March 13, 2020 Evans Bancorp, Inc. (Exact Name of Registrant as Specified in Charter)   New York 001-35021 161332767 (State or Other Jurisdiction (Commission (I.R.S. Employer of I

March 13, 2020 EX-16.1

Letter to the SEC from KPMG LLP dated March 13, 2020

  Exhibit 16.1     March 13, 2020  Securities and Exchange Commission Washington, D.C. 20549  Ladies and Gentlemen:  We were previously principal accountants for Evans Bancorp, Inc. and, under the date of March 12, 2020, we reported on the consolidated financial statements of Evans Bancorp, Inc. as of and for the years ended December 31, 2019 and 2018. On March 13, 2020, we declined to st

March 12, 2020 EX-4.5

Description of Evans Bancorp, Inc. Securities (incorporated by reference to Exhibit 4.5 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2019, as filed on March 12, 2020).

Exhibit 4.5 Description of Evans Bancorp, Inc. Securities Unless otherwise indicated or unless the context requires otherwise, all references in this prospectus to “Evans Bancorp,” the “Company,” “we,” “us,” “our” or similar references mean Evans Bancorp, Inc. Description of Common Stock  We are authorized to issue 10,000,000 shares of common stock, par value of $0.50 per share. Each share of com

March 12, 2020 EX-10.23

Employment Agreement, dated as of July 1, 2018, by and between The Evans Agency, LLC and Aaron Whitehouse (incorporated by reference to Exhibit 10.23 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2019, as filed on March 12, 2020).

EMPLOYMENT AGREEMENT  This Agreement is made as of the 1st day of July 2018, by and between The Evans Agency, LLC (hereinafter referred to as the “Employer” or “TEA”) and Aaron Whitehouse (hereinafter referred to as the “Executive”), for the employment of Executive by the Employer.

March 12, 2020 10-K

EVBN / Evans Bancorp, Inc. 10-K - Annual Report - 10-K

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K  [X]ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2019 [ ]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-35021 EVANS BANCORP, INC. (

March 12, 2020 EX-21.1

Subsidiaries of the Company (incorporated by reference to Exhibit 21.1 to the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2019, as filed on March 12, 2020).

Exhibit 21.1 SUBSIDIARIES OF THE REGISTRANT The following entities comprise the direct and indirect subsidiaries of the Registrant: Evans Bank, N.A. (United States) Evans National Financial Services, LLC The Evans Agency, LLC Frontier Claims Services, Inc. Evans National Holding Corp. Evans National Leasing, Inc. Evans Capital Trust I (Delaware) ENB Employers Insurance Trust MMS Merger Sub, Inc. (

March 11, 2020 424B3

PROXY STATEMENT/PROSPECTUS PROPOSED MERGER — YOUR VOTE IS VERY IMPORTANT

424B3 1 d868021d424b3.htm FORM 424B3 Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No. 333-236425 PROXY STATEMENT/PROSPECTUS PROPOSED MERGER — YOUR VOTE IS VERY IMPORTANT March 11, 2020 Dear Stockholders of FSB Bancorp, Inc.: On December 19, 2019, FSB Bancorp, Inc., which we refer to as FSB, entered into an Agreement and Plan of Reorganization, as amended on March 5, 2020, which

March 9, 2020 S-4/A

Exhibit 2.01 – Agreement and Plan of Reorganization, dated December 19, 2019, as amended on March 5, 2020, by and among Evans Bancorp, Inc., MMS Merger Sub, Inc., and FSB Bancorp, Inc. (incorporated herein by reference to Annex A to the Registration Statement on Form S-4/A (File No. 333-236425) filed by Evans Bancorp, Inc. on March 9, 2020).*

S-4/A Table of Contents As filed with the Securities and Exchange Commission on March 9, 2020.

March 9, 2020 EX-99.1

Consent of Piper Sandler & Co.

EX-99.1 Exhibit 99.1 1251 AVENUE OF THE AMERICAS, 6TH FLOOR NEW YORK, NY 10020 P 212 466-7800 | TF 800 635-6851 Piper Sandler & Co. Since 1985. Member SIPC and NYSE. CONSENT OF PIPER SANDLER & CO. We hereby consent to the inclusion of our opinion letter to the Board of Directors of FSB Bancorp, Inc. (the “Company”) as an Annex to the Proxy Statement/Prospectus relating to the proposed merger of th

March 9, 2020 CORRESP

EVBN / Evans Bancorp, Inc. CORRESP - -

CORRESP 1 filename1.htm March 9, 2020 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Attn: David Gessert Re: Evans Bancorp, Inc. Amendment No. 1 to Registration Statement on Form S-4 Filed March 9, 2020 File No. 333-236425 Ladies and Gentlemen: Pursuant to Rule 461 under the Securities Act of 1933, as amended, Evans Banco

March 9, 2020 EX-99.3

Form of proxy to be mailed to stockholders of FSB Bancorp, Inc.

EX-99.3 Exhibit 99.3 Using a black ink pen, mark your votes with an X as shown in this example. Please do not write outside the designated areas. ☒ Your vote matters - here’s how to vote! You may vote online or by phone instead of mailing this card. Votes submitted electronically must be received by 1:00am, EST, on April 20, 2020. Online Go to www.investorvote.com/FSBM or scan the QR code – login

February 19, 2020 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549  FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  Date of report (Date of earliest event reported): February 18, 2020  Evans Bancorp, Inc. (Exact Name of Registrant as Specified in Charter)   New York 001-35021 161332767 (State or Other Jurisdiction (Commission (I.R.S. Employ

February 18, 2020 EX-99.1

4Q 2019

News Release Evans Bancorp, Inc. One Grimsby Drive Hamburg, NY 14075 CORRECTING and REPLACING Evans Bancorp Reports Record Net Income for 2019 CORRECTION….by Evans Bancorp, Inc. HAMBURG, NY, February 18, 2020 – In the press release, non-interest income, tax expense, net income, earnings per diluted share and all related information have been updated to reflect the change in timing of an historic t

February 18, 2020 8-K/A

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549  FORM 8-K/A Amendment No. 1  CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  Date of report (Date of earliest event reported): January 30, 2020 Evans Bancorp, Inc. (Exact Name of Registrant as Specified in Charter)   New York 001-35021 161332767 (State or Other Jurisdiction (Commissi

February 14, 2020 SC 13G/A

EVBN / Evans Bancorp, Inc. / RMB Capital Management, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No.

February 14, 2020 SC 13G

EVBN / Evans Bancorp, Inc. / PL Capital Advisors, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Initial Filing) Evans Bancorp (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 29911Q208 (CUSIP Number) Mr. John W. Palmer PL Capital Advisors, LLC 750 Eleventh Street South Suite 202 Naples, FL 34102 239-777-0187 (Name, Address and Telephone Num

February 14, 2020 EX-99.2

Consent of Kevin Maroney to serve on Board of Directors of Evans Bancorp, Inc.

EX-99.2 Exhibit 99.2 CONSENT OF KEVIN D. MARONEY February 13, 2020 Pursuant to Rule 438 promulgated under the Securities Act of 1933, as amended (the “Securities Act”), I hereby consent to my being named in the Registration Statement on Form S-4 of Evans Bancorp, Inc. (“Evans”) filed on the date hereof and all amendments thereto (the “Registration Statement”), and any related prospectus filed purs

February 14, 2020 EX-99.1

Consent of Piper Sandler & Co.

EX-99.1 Exhibit 99.1 1251 AVENUE OF THE AMERICAS, 6TH FLOOR NEW YORK, NY 10020 P 212 466-7800 | TF 800 635-6851 Piper Sandler & Co. Since 1985. Member SIPC and NYSE. CONSENT OF PIPER SANDLER & CO. We hereby consent to the inclusion of our opinion letter to the Board of Directors of FSB Bancorp, Inc. (the “Company”) as an Annex to the Proxy Statement/Prospectus relating to the proposed merger of th

February 14, 2020 S-4

Power of Attorney

Form S-4 Table of Contents As filed with the Securities and Exchange Commission on February 14, 2020.

February 13, 2020 SC 13G/A

EVBN / Evans Bancorp, Inc. / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2) * Evans Bancorp (EVBN) (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) 12/31/2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule

February 13, 2020 SC 13D/A

EVBN / Evans Bancorp, Inc. / MALTESE CAPITAL MANAGEMENT LLC Activist Investment

SC 13D/A 1 d847216513d-a.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Under the Securities Exchange Act of 1934 (Amendment No. 8)* Evans Bancorp, Inc. (Name of Issuer) Common Stock, par value $.50 per share (Title of Class of Securities) 29911Q208 (CUSIP Number) Mr. Terry Maltese, Maltese Capital Management LLC, 150 East 52nd Street, 30th Floor, New Yo

February 12, 2020 SC 13G/A

EVBN / Evans Bancorp, Inc. / MANULIFE FINANCIAL CORP - AMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5) * Evans Bancorp, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 29911Q208 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is file

January 31, 2020 EX-99.1

Evans Bancorp Reports Record Net Income for 2019

News Release Evans Bancorp, Inc. One Grimsby Drive Hamburg, NY 14075 FOR IMMEDIATE RELEASE Evans Bancorp Reports Record Net Income for 2019 HAMBURG, NY, January 30, 2020 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported its results of operations for the fourth quarter and year ended Dec

January 31, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549  FORM 8-K  CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  Date of report (Date of earliest event reported): January 30, 2020  Evans Bancorp, Inc. (Exact Name of Registrant as Specified in Charter)   New York 001-35021 161332767 (State or Other Jurisdiction (Commission (I.R.S. Emplo

December 23, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  FORM 8-K  CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 17, 2019   EVANS BANCORP, INC. (Exact name of the registrant as specified in its charter)   New York 001-35021 16-1332767 (State or other jurisdiction of incorporat

December 23, 2019 EX-10.1

2020 Evans Bank, N.A. Executive Incentive Retirement Plan (incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K, as filed on December 23, 2019)

EVANS BANK, N.A. 2020 EXECUTIVE INCENTIVE RETIREMENT PLAN  ARTICLE I. Purpose The purpose of this 2020 Evans Bank, N.A. Executive Incentive Retirement Plan (the “Plan”) is to replace the Evans National Bank Executive Incentive Retirement Plan, which was effective April 1, 2003, on a prospective basis. This Plan formalizes the understanding by and between certain executive officers of Evans Bank,

December 20, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549   FORM 8‑K  CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934   Date of Report (Date of earliest event reported): December 19, 2019     EVANS BANCORP, INC. (Exact name of registrant as specified in its charter)    New York 001-35021 161332767 (State or other jurisdiction of incor

December 20, 2019 EX-2.1

Agreement and Plan of Reorganization, dated December 19, 2019, by and between Evans Bancorp, Inc., MMS Merger Sub, Inc. and FSB Bancorp, Inc.*

AGREEMENT AND PLAN OF REORGANIZATION BY AND AMONG EVANS BANCORP, INC., MMS MERGER SUB, INC. AND FSB BANCORP, INC. Dated as of December 19, 2019 TABLE OF CONTENTS  ARTICLE 1 TRANSACTIONS AND TERMS OF MERGER 2 1.1. Merger. 2 1.2. Time and Place of Closing. 2 1.3. Effective Time. 2 1.4. Charter. 2 1.5. Bylaws. 3 1.6. Directors and Officers. 3 1.7. Bank Merger. 3  ARTICLE 2 MANNER OF CONVERTING SHAR

December 20, 2019 EX-10.1

Form of Voting Agreement, dated December 19, 2019, by and between FSB Bancorp, Inc., FSB Bancorp, Inc. and certain stockholders of FSB Bancorp, Inc.

Exhibit 10.1 VOTING AGREEMENT This VOTING AGREEMENT, dated as of December 19, 2019 (this “Agreement”), by and among Evans Bancorp, Inc. (“Evans”), a New York corporation, FSB Bancorp, Inc. (“FSB”), a Maryland corporation, and the undersigned stockholder of FSB (the “Stockholder”). W I T N E S S E T H: WHEREAS, concurrently with the execution of this Agreement, Evans, MMS Merger Sub, Inc., a Maryla

December 20, 2019 EX-2.1

Agreement and Plan of Reorganization, dated December 19, 2019, by and between Evans Bancorp, Inc., MMS Merger Sub, Inc. and FSB Bancorp, Inc.*

AGREEMENT AND PLAN OF REORGANIZATION BY AND AMONG EVANS BANCORP, INC., MMS MERGER SUB, INC. AND FSB BANCORP, INC. Dated as of December 19, 2019 TABLE OF CONTENTS  ARTICLE 1 TRANSACTIONS AND TERMS OF MERGER 2 1.1. Merger. 2 1.2. Time and Place of Closing. 2 1.3. Effective Time. 2 1.4. Charter. 2 1.5. Bylaws. 3 1.6. Directors and Officers. 3 1.7. Bank Merger. 3  ARTICLE 2 MANNER OF CONVERTING SHAR

December 20, 2019 425

EVBN / Evans Bancorp, Inc. 425 - Merger Prospectus - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549   FORM 8‑K  CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934   Date of Report (Date of earliest event reported): December 19, 2019     EVANS BANCORP, INC. (Exact name of registrant as specified in its charter)    New York 001-35021 161332767 (State or other jurisdiction of incor

December 20, 2019 EX-10.1

Form of Voting Agreement, dated December 19, 2019, by and between FSB Bancorp, Inc., FSB Bancorp, Inc. and certain stockholders of FSB Bancorp, Inc.

Exhibit 10.1 VOTING AGREEMENT This VOTING AGREEMENT, dated as of December 19, 2019 (this “Agreement”), by and among Evans Bancorp, Inc. (“Evans”), a New York corporation, FSB Bancorp, Inc. (“FSB”), a Maryland corporation, and the undersigned stockholder of FSB (the “Stockholder”). W I T N E S S E T H: WHEREAS, concurrently with the execution of this Agreement, Evans, MMS Merger Sub, Inc., a Maryla

December 19, 2019 425

EVBN / Evans Bancorp, Inc. 425 - Merger Prospectus -

Filed by Evans Bancorp, Inc. pursuant to Rule 425 under the Securities Act of 1933, as amended, and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended  Subject Company: FSB Bancorp, Inc. Commission File Number: 001-37831  Fairport Savings Bank Employee Frequently Asked Questions Regarding Evans Bancorp, Inc. Executes Definitive Merger Agreement to Acquire

December 19, 2019 EX-99.2

Evans Bancorp, Inc. Executes Definitive Merger Agreement to Acquire FSB Bancorp, Inc. FSB stockholders to receive $17.80 per share in stock and cash transaction; representing an 8% premium to tangible book value

Evans Bancorp, Inc. One Grimsby Drive, Hamburg, NY 14075FSB Bancorp, Inc. 45 South Main Street, Fairport, NY 14450 FOR IMMEDIATE RELEASE Evans Bancorp, Inc. Executes Definitive Merger Agreement to Acquire FSB Bancorp, Inc. FSB stockholders to receive $17.80 per share in stock and cash transaction; representing an 8% premium to tangible book value HAMBURG, NY, and FAIRPORT, NY, December 19, 2019 –

December 19, 2019 425

EVBN / Evans Bancorp, Inc. 425 - Merger Prospectus - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549   FORM 8‑K  CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934   Date of Report (Date of earliest event reported): December 19, 2019     EVANS BANCORP, INC. (Exact name of registrant as specified in its charter)   New York 0‑18539 161332767 (State or other jurisdiction of incorpora

December 19, 2019 EX-99.2

Evans Bancorp, Inc. Executes Definitive Merger Agreement to Acquire FSB Bancorp, Inc. FSB stockholders to receive $17.80 per share in stock and cash transaction; representing an 8% premium to tangible book value

Evans Bancorp, Inc. One Grimsby Drive, Hamburg, NY 14075FSB Bancorp, Inc. 45 South Main Street, Fairport, NY 14450 FOR IMMEDIATE RELEASE Evans Bancorp, Inc. Executes Definitive Merger Agreement to Acquire FSB Bancorp, Inc. FSB stockholders to receive $17.80 per share in stock and cash transaction; representing an 8% premium to tangible book value HAMBURG, NY, and FAIRPORT, NY, December 19, 2019 –

December 19, 2019 EX-99.1

Exhibit 99.1 – Investor Presentation, dated December 19, 2019.

December 19, 2019 EX-99.1

Exhibit 99.1 – Investor Presentation, dated December 19, 2019.

December 19, 2019 425

EVBN / Evans Bancorp, Inc. 425 - Merger Prospectus -

 Filed by Evans Bancorp, Inc. pursuant to Rule 425 under the Securities Act of 1933, as amended, and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended  Subject Company: FSB Bancorp, Inc. Commission File Number: 001-37831  Evans Employee Frequently Asked Questions Regarding Evans Bancorp, Inc. Executes Definitive Merger Agreement to Acquire FSB Bancorp, I

December 19, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549   FORM 8‑K  CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934   Date of Report (Date of earliest event reported): December 19, 2019     EVANS BANCORP, INC. (Exact name of registrant as specified in its charter)   New York 0‑18539 161332767 (State or other jurisdiction of incorpora

October 31, 2019 10-Q

October 31, 2019

Table of Contents  United States SECURITIES AND EXCHANGE COMMISSION Washington, D.

October 25, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  Date of report (Date of earliest event reported): October 24, 2019 Evans Bancorp, Inc. (Exact Name of Registrant as Specified in Charter)   New York 0-18539 161332767 (State or Other Jurisdiction (Commission (I.R.S. Employer of I

October 25, 2019 EX-99.1

Evans Bancorp Net Income Increases 8% to a Record $5.2 Million in the 2019 Third Quarter

EX-99.1 2 evbn-20191025xex991.htm EX-99.1 News Release Evans Bancorp, Inc. One Grimsby Drive Hamburg, NY 14075 FOR IMMEDIATE RELEASE Evans Bancorp Net Income Increases 8% to a Record $5.2 Million in the 2019 Third Quarter HAMBURG, NY, October 24, 2019 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920,

August 26, 2019 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  Date of report (Date of earliest event reported): August 22, 2019 Evans Bancorp, Inc. (Exact Name of Registrant as Specified in Charter)   New York 0-18539 161332767 (State or Other Jurisdiction (Commission (I.R.S. Employer of In

August 9, 2019 10-Q

August 9, 2019

Table of Contents  United States SECURITIES AND EXCHANGE COMMISSION Washington, D.

July 26, 2019 EX-99.1

Evans Bancorp Net Income Increases 16% to $4.4 Million in the 2019 Second Quarter

News Release Evans Bancorp, Inc. One Grimsby Drive Hamburg, NY 14075 FOR IMMEDIATE RELEASE Evans Bancorp Net Income Increases 16% to $4.4 Million in the 2019 Second Quarter HAMBURG, NY, July 25, 2019 – Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported its results of operations for the sec

July 26, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  Date of report (Date of earliest event reported): July 25, 2019 Evans Bancorp, Inc. (Exact Name of Registrant as Specified in Charter)   New York 0-18539 161332767 (State or Other Jurisdiction (Commission (I.R.S. Employer of Inco

Fintel data has been cited in the following publications:
Daily Mail Fox Business Business Insider Wall Street Journal The Washington Post Bloomberg Financial Times Globe and Mail
NASDAQ.com Reuters The Guardian Associated Press FactCheck.org Snopes Politifact
Federal Register The Intercept Forbes Fortune Magazine TheStreet Time Magazine Canadian Broadcasting Corporation International Business Times
Cambridge University Press Investopedia MarketWatch NY Daily News Entrepreneur Newsweek Barron's El Economista