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[ X ] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended : December 31 , 2020 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to New York ( State or other jurisdiction of incorporation or organization ) 6460 Main Street , Williamsville , New York ( Address of principal executive offices ) Title of each class Common Stock , $ 0.50 par value No Large accelerated filer Non - accelerated filer UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K X Commission file number : 001-35021 EVANS BANCORP , INC . ( Exact name of registrant as specified in its charter ) ( 716 ) 926-2000 Registrant's telephone number ( including area code ) Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbol ( s ) EVBN 16-1332767 Securities registered pursuant to Section 12 ( g ) of the Act : None ( Title of Class ) Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No X Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes X No ( I.R.S. Employer Identification No. ) 14221 ( Zip Code ) Name of each exchange on which registered NYSE American LLC Indicate by checkmark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes X No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Page 1 of 129 Exhibit Index on Page 125 Accelerated filer Smaller reporting company Emerging growth company If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of tl Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . [ ] Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes No X On June 30 , 2020 , the aggregate market value of the registrant's common stock held by non - affiliates was approximately $ 119 million , based upon the closing sale price of a share of the registrant's common stock on NYSE American , LLC . As of March 8 , 2021 , 5,428,993 shares of the registrant's common stock were outstanding .