UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): January 18, 2017

EVANS BANCORP, INC.

(Exact name of the registrant as specified in its charter)

(716) 926-2000

(Registrant’s telephone number)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2. below):

On January 18, 2017, Evans Bancorp, Inc. (the “Company”) and its wholly-owned subsidiary, Evans Bank, National Association, entered into an Underwriting Agreement (the “Agreement”) with Sandler O’Neill & Partners, L.P., on behalf of the underwriters, pursuant to which the Company agreed to issue and sell 400,000 shares of the its common stock, par value $0.50 per share (the “Common Stock”), at a public offering price of $35.00 per share, in an underwritten public offering (the “Offering”). As part of the Offering, the Company granted the underwriters a 30-day option to purchase up to an additional 60,000 shares of Common Stock. The net proceeds of the Offering, after deducting the underwriting discount and estimated offering expenses payable by the Company, and before giving effect to the option to purchase additional shares, if exercised, are expected to be approximately $12.9 million.

The Agreement contains customary representations, warranties and covenants that are valid as between the parties and as of the date of entering into such Agreement, and are not factual information to investors about the Company.

In connection with the Offering, the Company and each of the Company’s directors and executive officers have entered into 90-day “lock-up” agreements with respect to the sale of shares of common stock, subject to customary exceptions, the form of which agreement is attached to the Agreement.

The foregoing description of the Agreement does not purport to be complete and is qualified in its entirety by reference to the Agreement, a copy of which is attached to this Current Report on Form 8-K as Exhibit 1.1 and incorporated herein by reference.

The sale of the Common Stock in the Offering is being made pursuant to the Company’s Registration Statement on Form S-3 (File No. 333-210443), including a prospectus supplement dated January 18, 2017, to the prospectus contained in the Registration Statement. Exhibits 5.1 and 23.1 to this Current Report on Form 8-K, the legal opinion and consent, respectively, of Luse Gorman, PC, are filed herewith in connection with the Company’s Registration Statement and are incorporated therein.

On January 18, 2017, the Company issued a press release announcing that it had priced an underwritten public offering of 400,000 shares of common stock at a price of $35.00 per share, for gross proceeds of approximately $14.0 million. The net proceeds of the offering, after deducting the underwriting discount and estimated offering expenses payable by the Company, are expected to be approximately $12.9 million, assuming that the option to purchase additional shares that was granted to the underwriter is not exercised. A copy of the Company’s press release dated January 18, 2017 is attached hereto as Exhibit 99.1 and incorporated herein by reference.

On January 23, 2017, the Company issued a press release announcing that it has completed its previously announced public offering of common stock. The Company sold 400,000 shares of common stock at a price of $35.00 per share. The offering resulted in gross

proceeds of approximately $14.0 million and net proceeds of approximately $12.9 million. A copy of the Company’s press release dated January 23, 2017 is attached hereto as Exhibit 99.2 and incorporated herein by reference.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.