{"schema_version":"secwatch.filing_event.v1","accession":"0000842518-24-000024","form_type":"8-K","ticker":null,"cik":"0000842518","company_name":"EVANS BANCORP INC","filed_at":"2024-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.122728+00:00","generated_at":"2026-06-03T05:08:39.109570+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Evans Bancorp Q1 net income $2.3M ($0.42 EPS); NIM 2.79% up 4bps sequentially","bullets":["Net income $2.3M ($0.42 diluted EPS) vs $5.8M ($1.06) in Q1 2023 and $10.2M ($1.85) in Q4 2023.","Net interest margin 2.79%, up 4bps from Q4 2023 but down 67bps YoY.","Total loans $1.7B (+$63M YoY); loan pipeline $95M; deposits $1.9B (+$173M from Dec 2023).","NPLs / total loans 1.62%; allowance / loans 1.29%.","Tier 1 leverage ratio 10.52%; book value per share $31.62; tangible book value $31.29."],"urls":{"canonical":"https://secwatch.observer/filing/0000842518-24-000024","json":"https://secwatch.observer/filing/0000842518-24-000024.json","markdown":"https://secwatch.observer/filing/0000842518-24-000024.md","text":"https://secwatch.observer/filing/0000842518-24-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842518/000084251824000024/0000842518-24-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842518/000084251824000024/evbn-20240430x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T05:08:39.109570+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"c52158d3b64e2514b4628a85ed719d80e3fd98df","claim":"EVANS BANCORP INC reported first quarter of 2024 results: net income $2.3 million, EPS $0.42 per diluted share.","evidence_excerpt":"Net income was $2.3 million, or $0.42 per diluted share, in the first quarter of 2024, compared with $10.2 million, or $1.85 per diluted share, in the fourth quarter of 2023 and $5.8 million, or $1.06 per diluted share, in last year’s first quarter.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/842518/000084251824000024/0000842518-24-000024-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2024"},{"label":"Net income","value":"$2.3 million"},{"label":"EPS","value":"$0.42 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}