Evans Bank - 100 Years
Investor
Relations
Performance Ratios (%) EVBN Peer Median Peer Average
ROAA 0.61 0.95 0.93
ROAE 6.40 8.38 8.71
Net Interest Margin 3.60 3.47 3.61
Efficiency Ratio 69.40 66.84 63.12
Loans / Deposits 93.02 91.02 90.46
Asset Quality Ratios (%)
NPAs / Assets NA 0.55 0.61
NCOs / Avg Loans (0.04) 0.07 0.24
Reserves / Loans 1.11 1.27 1.07
Reserves / NPAs NA 144.89 155.22
Capital Ratios (%)
Tier 1 Capital 11.14 13.20 12.08
Tangible Equity / Tangible Assets 7.16 9.15 9.21
Total Equity / Total Assets 7.84 9.26 9.85
Market Ratios
Price / Earnings (x) 11.54 12.21 10.36
Price / Book (%) 73.55 70.25 79.43
Dividend Yield (%) 5.23 3.55 3.61
Data for trailing four quarters

Evans Bancorp, Inc.'s peer group consists of the following: Codorus Valley Bancorp, Inc. (CVLY), Jeffersonville Bancorp (JFBC), Mid Penn Bancorp, Inc. (MPB), Norwood Financial Corp. (NWFL), Unity Bancorp, Inc. (UNTY)

Evans Bancorp, Inc.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020