Evans Bank - 100 Years
Investor
Relations
Performance Ratios (%) EVBN Peer Median Peer Average
ROAA 0.60 0.95 0.91
ROAE 7.06 9.06 9.00
Net Interest Margin 3.37 3.51 3.50
Efficiency Ratio 69.63 66.41 61.71
Loans / Deposits NA 94.11 86.97
Asset Quality Ratios (%)
NPAs / Assets NA NA NA
NCOs / Avg Loans 0.01 0.07 0.22
Reserves / Loans 1.21 1.36 1.15
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital 11.62 11.70 11.70
Tangible Equity / Tangible Assets 7.59 8.91 9.08
Total Equity / Total Assets 8.26 9.16 9.83
Market Ratios
Price / Earnings (x) 15.85 13.18 13.83
Price / Book (%) 108.13 112.30 105.99
Dividend Yield (%) 3.56 2.95 2.75
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 12/31/2020.

Peer financial data is as of 12/31/2020