Evans Bancorp Reports Net Income of $3.7 Million In Fourth Quarter 2024

WILLIAMSVILLE, N.Y.--(BUSINESS WIRE)--Evans Bancorp, Inc. (the “Company” or “Evans”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, today reported results of operations for the fourth quarter and full year ended December 31, 2024. The prior-year periods include business activity relating to The Evans Agency (“TEA”) prior to the sale to Arthur J. Gallagher & Co. on November 30, 2023. HIGHLIGHTS Net income per share was $0.67 in the fourth quarter, which included $1.1 million in merger-related expenses and a partially offsetting benefit from the recognition of a real estate historic tax credit investment Fourth quarter net interest margin was 2.96%, up 16 basis points sequentially driven by strategic deposit pricing Total loans grew by $63 million, or 4%, since December 31, 2023 Strong loan pipeline of $76 million Total deposits up $148 million, or 9%, from December 31, 2023 Evans shareholders approved the merger with NBT Bancorp Inc. Net income of $3.7 million, or $0.67 per diluted share, in the fourth quarter of 2024 was up sequentially and reflected higher net interest income of $0.7 million and an increase in non-interest income of $0.3 million offset by higher provision for credit losses of $0.5 million and an increase in non-interest expense of $0.8 million, which included $1.1 million of merger related costs. Last year’s fourth quarter had net income of $10.2 million, or $1.85 per diluted share. The prior year period included the sale of The Evans Agency to Arthur J. Gallagher & Co., and recognized a pretax gain of $20.2 million. In addition, in the fourth quarter of 2023, the Company strategically repositioned its balance sheet by selling $78 million of investment securities, primarily available-for-sale U.S. Treasuries and government-sponsored agency securities, and used the proceeds to pay down short-term borrowings. This action resulted in $5.0 million of pretax losses on investment securities during the fourth quarter of 2023. Return on average equity was 8.06% for the fourth quarter of 2024, compared with 6.44% in the third quarter of 2024 and 25.73% in the fourth quarter of 2023. For the full year of 2024, net income was $12.0 million, or $2.16 per diluted share, compared with $24.5 million, or $4.48 per diluted share, in 2023. The change largely reflected the gain on sale of the insurance agency, which benefited the 2023 period. The return on average equity was 6.65% in 2024 compared with 15.47% in 2023. David J. Nasca, President and CEO of Evans Bancorp, Inc., commented, “As we close out 2024, we reflect on a transformative year for our organization, marked by solid growth and progress, as well as key milestones related to our pending merger with NBT Bancorp Inc. Throughout this process, we have remained focused on execution, maintaining strong credit quality, and ensuring a smooth transition that prioritizes the needs of our customers, employees and shareholders. “This quarter, Evans shareholders approved the merger with NBT, a pivotal step in our journey. We are confident that this partnership will enhance our long-term ability to deliver exceptional service, strengthen our position in the market, and create lasting value for all stakeholders – the community, clients, associates, and stockholders. We thank our team members for their dedication and our customers and shareholders for their continued trust as we look forward to a bright future.” On September 9, 2024, NBT Bancorp Inc. (“NBT”) (Nasdaq: NBTB) and Evans announced that they had entered into a definitive agreement pursuant to which Evans will merge with and into NBT. In accord with the merger agreement, NBT will acquire 100% of the outstanding shares of Evans in exchange for common shares of NBT. The exchange ratio will be fixed at 0.91 NBT shares for each share of Evans, resulting in an aggregate transaction value of approximately $236 million based on NBT’s closing stock price of $46.28 on September 6, 2024. On December 20, 2024, the shareholders of Evans voted to approve the merger. In addition, regulatory approval was received for the merger in December. Evans reported over 75% of the issued and outstanding shares of Evans were represented at a special shareholder meeting and over 96% of the votes cast were voted to approve the merger. The merger is expected to close in the second quarter of 2025 in conjunction with the system conversion. Net Interest Income ($ in thousands) 4Q 2024 3Q 2024 4Q 2023 Interest income $ 28,031 $ 28,698 $ 25,205 Interest expense 12,334 13,654 11,259 Net interest income 15,697 15,044 13,946 Provision for credit losses 1,103 570 282 Net interest income after provision $ 14,594 $ 14,474 $ 13,664 Net interest income of $15.7 million increased $0.7 million, or 4%, over the third quarter of 2024 due to higher average loans originated and reductions in the cost of funds as the competitive market for funding decreases in response to the federal reserve’s rate cuts. Compared with last year’s fourth quarter, net interest income was higher by $1.8 million, or 13%, due to higher average loan balances and higher yields on those balances. Fourth quarter net interest margin of 2.96% increased 16 basis points from the trailing third quarter and was up 21 basis points over the prior-year period. The yield on loans decreased 8 basis points compared with the third quarter, though was up 29 basis points year-over-year. The cost of interest-bearing liabilities was 3.01% compared with 3.28% in the third quarter of 2024 and 2.87% in the fourth quarter of 2023. The $1.1 million provision for credit losses in the fourth quarter was due mostly to a specific reserve taken on one loan previously classified as non-performing. A new appraisal related to this loan identified a reduction in value as the business vacated the property. The decrease in non-performing loans of $12.3 million during the quarter was due largely to one loan that was 90 days past due and still accruing in the third quarter of 2024, which renewed early in the fourth quarter. Asset Quality ($ in thousands) 4Q 2024 3Q 2024 4Q 2023 Total non-performing loans $ 20,275 $ 32,598 $ 27,325 Total net loan charge-offs 18 41 11 Non-performing loans / Total loans 1.14 % 1.82 % 1.59 % Net loan charge-offs / Average loans - % 0.01 % - % Allowance for credit losses / Total loans 1.36 % 1.29 % 1.28 % Non-Interest Income ($ in thousands) 4Q 2024 3Q 2024 4Q 2023 Deposit service charges $ 728 $ 699 $ 670 Insurance service and fee revenue 145 186 1,613 Bank-owned life insurance 255 253 230 Loss on tax credit investment (484 ) - - Refundable NY state historic tax credit 720 - - Interchange fee income 516 529 510 Gain on sale of other real estate owned - 598 - Gain on sale of insurance agency - - 20,160 Loss on sale of investment securities - - (5,044 ) Other income 1,418 729 412 Total non-interest income $ 3,298 $ 2,994 $ 18,551 Total non-interest income increased $0.3 million from the sequential quarter, due in part to the net incremental impact of a historic tax credit placed in service during the fourth quarter. The amounts are reflected on the refundable NY state tax credit and the loss on tax credit investment lines on the income statement. Additionally, the Company received $0.3 million gain from the payment of an additional tax credit investment, which was recognized in the other income category. These increases were partially offset in comparison with the third quarter due to a gain on the sale of a property that the Company had in other real estate owned during the sequential quarter. Excluding the 2023 fourth quarter’s transactions relating to the gain on the sale of TEA and loss on sale of securities, non-interest income would have been $3.4 million. Non-Interest Expense ($ in thousands) 4Q 2024 3Q 2024 4Q 2023 Salaries and employee benefits $ 7,931 $ 7,539 $ 10,251 Occupancy 1,023 1,088 1,078 Advertising and public relations 184 327 296 Professional services 776 992 1,003 Technology and communications 1,556 1,423 1,545 Amortization of intangibles 4 4 67 FDIC insurance 350 340 350 Merger related 1,073 600 - Other expenses 1,454 1,274 1,710 Total non-interest expenses $ 14,351 $ 13,587 $ 16,300 Non-interest expenses increased $0.8 million from the sequential quarter, which included an additional $0.5 million of merger-related expenses in support of the planned merger with NBT. Salaries and employee benefits, the largest component of non-interest expenses, were up $0.4 million, or 5%, from the third quarter of 2024 largely due to higher incentive accruals of $0.5 million. Compared with last year’s fourth quarter, the decrease of $2.3 million, or 23%, was primarily due to salaries and employee benefit expenses related to TEA of $0.8 million and a $1.4 million larger incentive accrual in the prior year’s fourth quarter. The Company’s GAAP efficiency ratio, or noninterest expenses divided by the sum of net interest income and noninterest income, was 75.55% in the fourth quarter of 2024, 75.32% in the third quarter of 2024, and 50.16% in the fourth quarter of 2023. Income tax benefit was $0.2 million in the fourth quarter of 2024, mainly a result of the recognition of deductions taken on the 2023 tax return related to the sale of TEA and the impact of the historic tax credit recognized in the fourth quarter. This was compared to tax expense and an effective tax rate of 24.2% in the third quarter of 2024 and 36.1% in last year’s fourth quarter. The elevated tax rate in the 2023 fourth quarter reflected the sale of TEA, which included significant non-deductible goodwill expense. Balance Sheet Highlights Total assets were $2.19 billion as of December 31, 2024, a decrease of $93 million, or 4%, since September 30, 2024, though were up $79 million, or 4%, since December 31, 2023. Interest-bearing deposits at banks decreased $79 million for the quarter and increased $24 million since December 31, 2023. In addition, loan growth was $63 million, or 4%, since year end 2023 and flat when compared with the sequential period. Investment securities were $263 million at December 31, 2024, $13 million lower than the end of the third quarter of 2024 and $15 million lower than the end of last year’s fourth quarter. The primary objectives of the Company’s investment portfolio are to provide liquidity, secure municipal deposits, and maximize income while preserving the safety of principal. The Company has the positive intent and ability to hold the remaining portfolio through recovery of value. Total deposits of $1.87 billion increased $148 million, or 9%, from the end of last year’s fourth quarter. On a sequential basis, total deposits were down $34 million, or 2%, due mostly to normal municipal seasonality. At December 31, 2024, Evans had $80 million borrowed at FHLB. Given the current collateral available at FHLB, advances up to $401 million can be drawn on the FHLB via the Company’s overnight line of credit. Additionally, Evans has the ability to borrow from the Federal Reserve. At December 31, 2024, Evans had no short-term borrowings with the Federal Reserve and $96 million in additional availability to borrow against collateral. Capital Management The Company has consistently maintained regulatory capital ratios measurably above the Federal “well capitalized” standard, including a Tier 1 leverage ratio of 10.37% at December 31, 2024 compared with 10.01% at September 30, 2024 and 10.37% at December 31, 2023. Book value per share was $32.89 at December 31, 2024 compared with $33.58 at September 30, 2024 and $32.40 at December 31, 2023. Reflected in the book value changes are the Federal Reserve’s aggressive interest rate hikes that have resulted in significant unrealized losses on investment securities. As of December 31, 2024, this amounted to $7.63 per share impact to book value. Such unrealized gains and losses are due to changes in interest rates and represent the difference, net of applicable income tax effect, between the estimated fair value and amortized cost of investment securities classified as available-for-sale. Non-GAAP tangible book value per share was $32.56 at December 31, 2024 compared with $33.25 at September 30, 2024 and $32.07 at December 31, 2023. 2024 Year in Review (compared with prior-year) Net interest income was $59.0 million, down 4%. The yield on loans increased 40 basis points while competition on deposits and changes in customer behaviors contributed to the 82 basis points increase in cost of funds during 2024. Net interest margin was 2.81%, a decrease of 21 basis points. The Company’s provision for credit loss was $2.2 million, which reflected a reserve taken on one loan previously in non-performing and for loan growth during the full year. Provision for credit losses in 2023 was negligible due to improving economic conditions. The ratio of non-performing loans to total loans was 1.14% compared with 1.59% in 2023. Non-interest income was $11.0 million in 2024 compared with $32.9 million in 2023. The decrease was due to the gain on sale of the insurance agency of $20.2 million and the related decrease in insurance service and fee income of $9.7 million, partially offset by loss on sale of investment securities of $5.0 million in 2023. Non-interest expense decreased $6.0 million to $53.4 million, which reflected reductions of $6.7 million related to the sale of TEA offset by merger related expenses of $1.7 million. The Company’s GAAP efficiency ratio was 76.40% in 2024 compared with 63.09% in 2023. Income tax expense for the year was $2.3 million, representing an effective tax rate of 16.2% compared with an effective tax rate of 29.4% in 2023. About Evans Bancorp, Inc. Evans Bancorp, Inc. is a financial holding company and the parent company of Evans Bank, N.A., a commercial bank with $2.2 billion in assets and $1.9 billion in deposits at December 31, 2024. Evans Bank is a full-service community bank with 18 branches providing comprehensive financial services to consumer, business and municipal customers throughout Western New York. Evans Investment Services provides non-deposit investment products, such as annuities and mutual funds. Evans Bancorp, Inc. and Evans Bank routinely post news and other important information on their websites, at www.evansbancorp.com and www.evansbank.com. Safe Harbor Statement: This news release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements include, but are not limited to, statements concerning future business, revenue and earnings. These statements are not historical facts or guarantees of future performance, events or results. There are risks, uncertainties and other factors that could cause the actual results of Evans Bancorp to differ materially from the results expressed or implied by such statements. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include the impacts from competitive pressures among financial services companies, interest rate trends, general economic conditions, changes in legislation or regulatory requirements, effectiveness at achieving stated goals and strategies, and difficulties in achieving operating efficiencies. These risks and uncertainties are more fully described in Evans Bancorp’s Annual and Quarterly Reports filed with the Securities and Exchange Commission. Forward-looking statements speak only as of the date they are made. Evans Bancorp undertakes no obligation to publicly update or revise forward-looking information, whether as a result of new, updated information, future events or otherwise. EVANS BANCORP, INC. AND SUBSIDIARIES SELECTED FINANCIAL DATA (UNAUDITED) (in thousands, except shares and per share data) 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 ASSETS Interest-bearing deposits at banks $ 28,095 $ 107,296 $ 110,042 $ 164,400 $ 3,798 Securities AFS 258,677 271,232 263,740 268,476 275,680 Securities HTM 4,347 4,376 3,626 3,611 2,059 Loans 1,783,664 1,787,957 1,765,116 1,721,876 1,720,946 Allowance for credit losses (24,176 ) (23,091 ) (22,562 ) (22,287 ) (22,114 ) Goodwill and intangible assets 1,846 1,850 1,854 1,858 1,862 All other assets 135,012 130,386 135,551 122,010 126,432 Total assets $ 2,187,465 $ 2,280,006 $ 2,257,367 $ 2,259,944 $ 2,108,663 LIABILITIES AND STOCKHOLDERS' EQUITY Demand deposits $ 373,240 $ 435,358 $ 397,535 $ 399,558 $ 390,238 NOW deposits 399,046 372,462 382,513 381,798 345,279 Savings deposits 699,635 706,849 710,596 715,495 649,621 Time deposits 394,556 386,049 400,897 394,515 333,623 Total deposits 1,866,477 1,900,718 1,891,541 1,891,366 1,718,761 Securities sold under agreement to repurchase 6,586 8,282 7,684 6,873 9,475 Subordinated debt 31,279 31,254 31,228 31,203 31,177 Other borrowings 80,000 128,000 129,006 131,023 145,123 Other liabilities 19,980 25,905 20,259 24,884 25,908 Total stockholders' equity $ 183,143 $ 185,847 $ 177,649 $ 174,595 $ 178,219 SHARES AND CAPITAL RATIOS Common shares outstanding 5,567,833 5,534,239 5,525,838 5,521,009 5,499,772 Book value per share $ 32.89 $ 33.58 $ 32.15 $ 31.62 $ 32.40 Tangible book value per share (Non-GAAP) $ 32.56 $ 33.25 $ 31.81 $ 31.29 $ 32.07 Tier 1 leverage ratio 10.37 % 10.01 % 10.04 % 10.52 % 10.37 % Tier 1 risk-based capital ratio 13.63 % 13.38 % 13.55 % 13.63 % 13.80 % Total risk-based capital ratio 14.88 % 14.63 % 14.80 % 14.89 % 15.05 % ASSET QUALITY DATA Total non-performing loans $ 20,275 $ 32,598 $ 25,128 $ 27,977 $ 27,325 Total net loan charge-offs (recoveries) 18 41 22 93 11 Other real estate owned (OREO) $ - $ - $ 6,902 $ - $ - Non-performing loans/Total loans 1.14 % 1.82 % 1.42 % 1.62 % 1.59 % Net loan charge-offs (recoveries)/Average loans - % 0.01 % 0.01 % 0.02 % - % Allowance for credit losses/Total loans 1.36 % 1.29 % 1.28 % 1.29 % 1.28 % EVANS BANCORP, INC AND SUBSIDIARIES SELECTED OPERATIONS DATA (UNAUDITED) (in thousands, except share and per share data) 2024 2024 2024 2024 2023 Fourth Quarter Third Quarter Second Quarter First Quarter Fourth Quarter Interest income $ 28,031 $ 28,698 $ 27,815 $ 25,374 $ 25,205 Interest expense 12,334 13,654 13,495 11,467 11,259 Net interest income 15,697 15,044 14,320 13,907 13,946 Provision for credit losses 1,103 570 297 266 282 Net interest income after provision for credit losses 14,594 14,474 14,023 13,641 13,664 Deposit service charges 728 699 667 681 670 Insurance service and fee revenue 145 186 176 149 1,613 Bank-owned life insurance 255 253 252 246 230 Interchange fee income 516 529 504 466 510 Gain on sale of other real estate owned - 598 - - - Gain on sale of insurance agency - - - - 20,160 Loss on sale of investment securities - - - - (5,044 ) Loss on tax credit investment (484 ) - - - - Refundable NY state historic tax credit 720 - - - - Other income 1,418 729 801 725 412 Total non-interest income 3,298 2,994 2,400 2,267 18,551 Salaries and employee benefits 7,931 7,539 7,330 7,837 10,251 Occupancy 1,023 1,088 1,089 1,157 1,078 Advertising and public relations 184 327 254 171 296 Professional services 776 992 870 895 1,003 Technology and communications 1,556 1,423 1,596 1,409 1,545 Amortization of intangibles 4 4 4 4 67 FDIC insurance 350 340 300 325 350 Merger related 1,073 600 - - - Other expenses 1,454 1,274 1,115 1,129 1,710 Total non-interest expenses 14,351 13,587 12,558 12,927 16,300 Income before income taxes 3,541 3,881 3,865 2,981 15,915 Income tax (benefit) provision (190 ) 938 919 647 5,741 Net income 3,731 2,943 2,946 2,334 10,174 PER SHARE DATA Net income per common share-diluted $ 0.67 $ 0.53 $ 0.53 $ 0.42 $ 1.85 Cash dividends per common share $ - $ 0.66 $ - $ 0.66 $ - Weighted average number of diluted shares 5,562,972 5,542,694 5,530,120 5,519,244 5,497,029 PERFORMANCE RATIOS Return on average total assets 0.67 % 0.52 % 0.52 % 0.44 % 1.90 % Return on average stockholders' equity 8.06 % 6.44 % 6.76 % 5.28 % 25.73 % Return on average tangible common stockholders' equity (Non-GAAP)* 8.14 % 6.51 % 6.83 % 5.33 % 27.37 % Efficiency ratio 75.55 % 75.32 % 75.11 % 79.92 % 50.16 % Efficiency ratio (Non-GAAP)** 70.76 % 71.98 % 75.08 % 79.90 % 93.40 % * The calculation of the average tangible common stockholders' equity ratio excludes goodwill and intangible assets from average stockholders equity. ** The calculation of the non-GAAP efficiency ratio excludes amortization of intangibles, gains and losses from investment securities, gains from sale of subsidiaries, merger-related expenses and the impact of historic tax credit transactions. EVANS BANCORP, INC AND SUBSIDIARIES SELECTED AVERAGE BALANCES AND YIELDS/RATES (UNAUDITED) (in thousands) 2024 2024 2024 2024 2023 Fourth Quarter Third Quarter Second Quarter First Quarter Fourth Quarter AVERAGE BALANCES Loans, net $ 1,764,789 $ 1,743,042 $ 1,715,280 $ 1,703,320 $ 1,682,177 Investment securities 278,658 278,956 275,854 280,975 327,303 Interest-bearing deposits at banks 64,793 117,326 137,442 18,889 5,916 Total interest-earning assets 2,108,240 2,139,324 2,128,576 2,003,184 2,015,396 Non interest-earning assets 123,718 126,056 123,457 117,646 128,915 Total Assets $ 2,231,958 $ 2,265,380 $ 2,252,033 $ 2,120,830 $ 2,144,311 NOW 391,931 381,054 374,910 347,908 333,893 Savings 713,921 707,742 718,627 658,656 687,223 Time deposits 392,134 399,180 399,476 342,358 335,646 Total interest-bearing deposits 1,497,986 1,487,976 1,493,013 1,348,922 1,356,762 Borrowings 129,608 168,630 168,856 166,948 197,363 Total interest-bearing liabilities 1,627,594 1,656,606 1,661,869 1,515,870 1,554,125 Demand deposits 397,425 403,182 395,876 404,053 409,115 Other non-interest bearing liabilities 21,702 22,792 19,885 23,943 22,880 Stockholders' equity 185,237 182,800 174,403 176,964 158,191 Total Liabilities and Equity $ 2,231,958 $ 2,265,380 $ 2,252,033 $ 2,120,830 $ 2,144,311 Average tangible common stockholders' equity (Non-GAAP)* 183,389 180,947 172,546 175,103 148,673 YIELD/RATE Loans, net 5.72 % 5.80 % 5.63 % 5.56 % 5.43 % Investment securities 2.49 % 2.48 % 2.63 % 2.53 % 2.53 % Interest-bearing deposits at banks 5.72 % 5.31 % 5.86 % 1.68 % 6.38 % Total interest-earning assets 5.29 % 5.34 % 5.26 % 5.09 % 4.96 % NOW 2.47 % 2.62 % 2.50 % 2.30 % 2.12 % Savings 2.35 % 2.56 % 2.53 % 2.25 % 2.09 % Time deposits 4.07 % 4.41 % 4.52 % 4.24 % 3.83 % Total interest-bearing deposits 2.83 % 3.07 % 3.05 % 2.77 % 2.53 % Borrowings 5.12 % 5.09 % 5.16 % 5.25 % 5.27 % Total interest-bearing liabilities 3.01 % 3.28 % 3.27 % 3.04 % 2.87 % Interest rate spread 2.28 % 2.06 % 1.99 % 2.05 % 2.09 % Contribution of interest-free funds 0.68 % 0.74 % 0.72 % 0.74 % 0.66 % Net interest margin 2.96 % 2.80 % 2.71 % 2.79 % 2.75 % * Average tangible common stockholders' equity excludes goodwill and intangible assets from average stockholders equity. EVANS BANCORP, INC AND SUBSIDIARIES SELECTED OPERATIONS DATA (UNAUDITED) (in thousands, except share and per share data) 2024 2023 Year to Date Year to Date Interest income $ 109,918 $ 96,850 Interest expense 50,950 35,642 Net interest income 58,968 61,208 Provision for credit losses 2,236 18 Net interest income after provision for credit losses 56,732 61,190 Deposit service charges 2,774 2,593 Insurance service and fee revenue 655 10,261 Bank-owned life insurance 1,006 932 Loss on tax credit investment (484 ) - Refundable NY state historic tax credit 720 - Interchange fee income 2,015 2,047 Gain on sale of insurance agency - 20,160 Loss on sale of investment securities - (5,044 ) Other income 4,272 1,973 Total non-interest income 10,958 32,922 Salaries and employee benefits 30,637 37,047 Occupancy 4,357 4,506 Advertising and public relations 935 1,207 Professional services 3,533 3,563 Technology and communications 5,984 5,959 FDIC insurance 1,315 1,400 Amortization of intangibles 17 367 Merger-related expenses 1,673 - Other expenses 4,971 5,333 Total non-interest expenses 53,422 59,382 Income before income taxes 14,268 34,730 Income tax provision 2,314 10,206 Net income 11,954 24,524 PER SHARE DATA Net income per common share-diluted $ 2.16 $ 4.48 Cash dividends per common share $ 1.32 $ 1.32 Weighted average number of diluted shares 5,541,373 5,471,033 PERFORMANCE RATIOS Return on average total assets 0.54 % 1.14 % Return on average stockholders' equity 6.65 % 15.47 % Return on average tangible common stockholders' equity (Non-GAAP)* 6.72 % 16.82 % Efficiency ratio 76.40 % 63.09 % Efficiency ratio (Non-GAAP)** 74.23 % 74.69 % Net interest margin 2.81 % 3.02 % Net loan charge-offs (recoveries)/Average loans 0.01 % - % * The calculation of the average tangible common stockholders' equity ratio excludes goodwill and intangible assets from average stockholders equity. ** The calculation of the non-GAAP efficiency ratio excludes amortization of intangibles, gains and losses from investment securities, gains from sale of subsidiaries, merger-related expenses and the impact of historic tax credit transactions.

Evans Bancorp Reports Net Income of $3.7 Million In Fourth Quarter 2024

FAQ

Why Bullish?

How important is it?

Why Short Term?

Related Companies

Related News