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Overview / Commentary
8599 Erie Rd
Angola, NY 14006

Evans Bank, National Association is headquartered in Angola and is the 51st largest bank in the state of New York. It is also the 812st largest bank in the nation. It was established in 1920 and as of December of 2013, it had grown to 201 employees at 14 locations. Evans Bank, National Association has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Evans Bank, National Association had $11.31 million in non-current loans and owned real-estate with $89.22 million in equity and loan loss allowances on hand to cover it. This gives Evans Bank, National Association a Texas Ratio of 12.68% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Evans Bank, National Association increased slightly from 4.95% as of December 31, 2012 to 12.68% as of December 31, 2013, resulting in a negative change of 155.98%. This indicates that the balance sheet and financial strength for Evans Bank, National Association has declined slightly in recent periods.

Deposit Growth


In the past year, Evans Bank, National Association has increased its total deposits by $30.42 million, resulting in 4.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Evans Bank, National Association has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Evans Bank, National Association has $824.03 million in assets with $89.22 million in equity, resulting in a capitalization level of 10.83%, which is above average.

Institution Statistics

FDIC Certificate #6947
Year Established1920
Primary RegulatorOCC
Assets and Liabilities
Assets$824.03 million
Loans$635.49 million
Deposits$713.83 million
Equity Capital$77.72 million
Loan Loss Allowance$11.50 million
Unbacked Noncurrent Loans$11.31 million
Real Estate Owned$0
Historic Data - December 2012
Assets$799.61 million
Equity Capital$73.14 million
Loan Loss Allowance$9.73 million
Unbacked Noncurrent Loans$11.31 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.76%
Return on Assets0.81%
Return on Equity8.74%
Interest Income$32.39 million

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Evans Bank, National Association Savings Account Rates

0.10%$100-Statement Savings
0.05%--Junior Statement Saver

Evans Bank, National Association Money Market Rates

0.40%$250k-Premium Business Money Market Account
0.35%$100k-Premium Money Market Savings
0.35%$100k-Better Savings

Evans Bank, National Association Checking Account Rates

1.50%-$10kBetter Checking
0.10%--Better Checking
0.05%--SimplyNOW Checking

Evans Bank, National Association CD Rates

1.00%$500-5 Year CD
0.75%$500-4 Year CD
0.60%$500-3 Year CD
0.50%$500-2 Year CD
0.45%$500-13 Month CD
0.45%$500-15 Month CD
0.45%$500-1 1/2 Year CD
0.45%$500-2 1/2 Year CD
0.40%$500-1 Year CD
0.35%$500-9 Month CD
0.30%$500-7 Month CD
0.20%$500-6 Month CD
0.10%$500-91 Day CD

Evans Bank, National Association IRA Rates

1.00%$500-60 Month Fixed Rate IRA (Traditional,CESA,Roth)
0.60%$500-36 Month Fixed Rate IRA (Traditional,Roth,CESA)
0.45%$500-18 Month Fixed Rate IRA (Traditional,Roth,CESA)
0.45%$100k-18 Month Variable Rate IRA (Traditional,Roth,CESA)
0.10%$500-30 Day Fixed Rate IRA (Traditional,Roth,CESA)

Evans Bank, National Association has 14 locations. Click to view all Evans Bank, National Association locations.