This institution is no longer active

Operations ceased on May 2, 2025. CRA examination history below reflects the period it was active.

EVANS BANK, NATIONAL ASSOCIATION

ANGOLA, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1920FDIC #6,947

Satisfactory Down

Current rating · Exam: December 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

EVANS BANK, NATIONAL ASSOCIATION holds a Satisfactory CRA rating (2022).

Institution Profile

FDIC BankFind

Address

8599 Erie Rd, ANGOLA, NY

County

Erie County

Established

January 1, 1920

Total Assets

$2.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 5, 2022

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Dec 2026(based on asset size)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	563	77.8%	12.79%
2023	619	74.64%	12.76%
2022	971	78.89%	10.50%
2021	725	91.45%	3.45%
2020	634	84.54%	7.10%
2019	278	88.49%	7.91%
2018	461	87.2%	7.16%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2022	Satisfactory	Large Bank
Oct 2019	Outstanding	Intermediate Small Bank
Nov 2016	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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