Evans Bank - 100 Years
Investor
Relations
Performance Ratios (%) EVBN Peer Median Peer Average
ROAA 0.52 0.89 0.88
ROAE 5.80 8.85 8.92
Net Interest Margin 3.40 3.42 3.48
Efficiency Ratio 69.71 67.37 62.79
Loans / Deposits 95.63 97.99 97.23
Asset Quality Ratios (%)
NPAs / Assets NA 0.49 0.54
NCOs / Avg Loans 0.01 0.05 0.26
Reserves / Loans 1.21 1.07 1.00
Reserves / NPAs NA 168.70 177.32
Capital Ratios (%)
Tier 1 Capital 11.28 11.52 11.64
Tangible Equity / Tangible Assets 7.24 8.74 8.16
Total Equity / Total Assets 7.92 8.99 9.11
Market Ratios
Price / Earnings (x) 16.44 13.67 13.77
Price / Book (%) 93.35 99.39 97.72
Dividend Yield (%) 4.10 3.08 2.86
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 9/30/2020.

Peer financial data is as of 9/30/2020