Evans Bank, National Association
Our records indicate that this bank has been acquired by NBT Bank, National Association.
Evans Bank, National Association is an FDIC insured institution headquartered at
8599 Erie Rd, Angola, NY 14006.
It was founded in
1920 and has approximately $2 billion in assets. Customers can open an account at one of its 15 branches.
Deposit Rates - March 14, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.03% | $0 | Compare |
|
SAV
|
0.03% | $100 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
3.75% | $500 | Compare |
|
7 Mo CD
|
4.00% | $500 | Compare |
|
12 Mo CD
|
4.50% | $500 | Compare |
|
15 Mo CD
|
3.50% | $500 | Compare |
|
24 Mo CD
|
0.25% | $10,000 | Compare |
|
48 Mo CD
|
0.25% | $10,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.10% | $5,000 | Compare |
| FIXED IRA RATES | APY | MIN |
|---|---|---|
|
18 Mo FIRA
|
3.25% | $500 |
|
36 Mo FIRA
|
3.25% | $500 |
|
60 Mo FIRA
|
0.50% | $500 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.10% | $10,000 |
Loan Rates - March 14, 2026
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
10 Year Fixed Conforming
|
7.09% | $3,674.37 |
|
15 Year Fixed Conforming
|
6.98% | $2,831.71 |
|
20 Year Fixed Conforming
|
7.31% | $2,505.99 |
|
30 Year Fixed Conforming
|
7.38% | $2,182.96 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
10 Year Fixed Conforming
|
7.09% | $3,674.37 |
|
15 Year Fixed Conforming
|
6.98% | $2,831.71 |
|
20 Year Fixed Conforming
|
7.31% | $2,505.99 |
|
30 Year Fixed Conforming
|
7.38% | $2,182.96 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
9.00% | Varies | ||
Compare with 0 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Compare with 6.24 RATE Line of Credit from Third Federal Savings and Loan
|
||||
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
Compare with 7.25 RATE Line of Credit from Farmers Bank of Kansas City
|
||||
|
10 Year Loan
|
4.75% | $1,048.48 | ||
|
15 Year Loan
|
5.00% | $790.79 | ||
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
3 Year
|
6.00% | $760.55 |
|
4 Year
|
6.00% | $587.13 |
|
5 Year
|
6.50% | $489.15 |
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 6947 |
| Date Established | 1920 |
| Assets | $ 2.19 billion |
| Loans | $ 1,756.51 million |
| Deposits | $ 1,900.91 million |
| Capital | $ 219.66 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 36.28 million |
| Interest-bearing balances | $ 15.80 million |
| Total securities | $ 265.44 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 1,756.51 million |
| Loan loss allowance | $ 24.10 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 2.98 million |
| All other assets | $ 71.24 million |
| Total Assets | $ 1,957.77 million |
| LIABILITIES | |
| Total deposits | $ 1,900.91 million |
| Interest-bearing deposits | $ 1,525.55 million |
| Deposits held in domestic offices | $ 1,900.91 million |
| % insured (estimated)" | 64.41% |
| Federal funds purchased and repurchase agreements | $ 1.40 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 22.93 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 16.05 millionn |
| Total Liabilities | $ 1,957.77 million |
| Shareholders’ Equity | $ 229.14 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 26.69 million |
| Total Interest Expense | $ 11.15 million |
| Net interest income | $ 15.54 million |
| Provision for loan and lease losses | $ 0.30 million |
| Total non interest income | $ 2.02 million |
| Total non interest expense | $ 11.94 million |
| Pre-tax Net Operating Income | $ 14.40 million |
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