# EVANS BANK NATIONAL ASSN
ANGOLA, NY · FDIC certificate 6947 · asset band $1-10B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.18B | |
| Deposits | $1.90B | |
| Loans and leases | $1.78B | |
| Total equity | $219.7M | |
| Loans / deposits | 92.40% (p70 of band) | 85.96% |
| Liquid assets / assets | 13.86% (p17 of band) | |
| Uninsured deposits / deposits | 35.61% (p66 of band) | 29.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.90% (p25 of band) | |
| FHLB advances / assets | 1.84% | |
| Tier 1 leverage | 11.44% (p73 of band) | 10.21% |
| Unrealized securities loss / equity | -23.36% (p27 of band) | -11.76% |
| AOCI / equity | 2.07% (p77 of band) | |
| ROA (annualized) | 0.78% (p32 of band) | 1.01% |
| Net interest margin | 3.04% (p31 of band) | 3.38% |
| Efficiency ratio | 67.99% (p65 of band) | |
| Noncurrent loans | 1.52% (p88 of band) | 0.43% |
| Net charge-offs (annualized) | 0.07% (p76 of band) | |
| Reserve coverage of noncurrent | 89.07% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 70.23% (p68 of band) | |
| Auto loans | $189,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 259 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent, capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 3 | loans exceed deposits |  |
| 2016-12 | 1 |  | reserve under noncurrent, loans exceed deposits |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | reserve under noncurrent |  |
| 2018-06 | 4 | noncurrent p90, construction >100% equity |  |
| 2018-09 | 2 |  | capital falling, construction >100% equity |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | capital falling, expense ratio p90, reserve under noncurrent |  |
| 2020-09 | 1 |  | capital falling, expense ratio p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | noncurrent p90 |  |
| 2021-06 | 2 | capital falling | noncurrent p90 |
| 2021-09 | 2 | noncurrent p90 | capital falling |
| 2021-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 5 | deposits shrinking |  |
| 2023-03 | 4 |  | AOCI drag >20% of equity |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 4 |  | deposits shrinking |
| 2023-12 | 2 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | noncurrent p90 |
| 2024-09 | 2 | noncurrent p90 |  |
| 2024-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2025-03 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6947 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "6947", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide