Esquire Financial Holdings, Inc.
Business
Esquire Financial Holdings, Inc. operates as a bank holding company through Esquire Bank, a national bank providing commercial banking and payment processing services. The bank specializes in litigation-focused lending to law firms and the litigation community nationally, alongside traditional banking in New York and Los Angeles. Core offerings include working capital lines, case-cost lines, term loans, real estate lending, consumer lending, and merchant payment acquiring; funding derives primarily from law firm deposits and escrow accounts.
Summary from 10-K filed 2026-03-13
Financials
Consolidated Statement of Income
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Loans held for investment | 120 | 98 | 81 | 54 | 42 | |
| Securities, includes restricted stock | 13 | 9 | 5 | 4 | 2 | |
| Securities purchased under agreements to resell | — | — | 2 | 1 | 619,000 | |
| Interest earning cash and other | 7 | 6 | 4 | 2 | 193,000 | |
| Total interest income | 139 | 113 | 92 | 61 | 45 | |
| Savings, NOW and money market deposits | 18 | 13 | 8 | 1 | 746,000 | |
| Time deposits | 280,000 | 551,000 | 476,000 | 155,000 | 79,000 | |
| Borrowings | 4,000 | 4,000 | 4,000 | 4,000 | 3,000 | |
| Total interest expense | 18 | 13 | 8 | 2 | — | |
| Net interest income | 121 | 100 | 84 | 59 | 44 | |
| Provision for credit losses | 10 | 5 | 5 | 3 | — | |
| Net interest income after provision for credit losses | 112 | 95 | 79 | 56 | 37 | |
| Payment processing fees | 20 | 21 | 22 | 22 | 21 | |
| Administrative service income | 3 | 3 | 2 | 3 | 29,000 | |
| Net gain on equity investments | 432,000 | — | 4 | — | — | |
| Customer related fees, service charges and other | 1 | 1 | 955,000 | 359,000 | 434,000 | |
| Total noninterest income | 25 | 25 | 30 | 25 | 21 | |
| Employee compensation and benefits | 42 | 38 | 32 | 26 | 22 | |
| Occupancy and equipment | 5 | 4 | 3 | 3 | 3 | |
| Professional and consulting services | 5 | 4 | 5 | 3 | 3 | |
| FDIC and regulatory assessments | 1 | 943,000 | 793,000 | 558,000 | 447,000 | |
| Advertising and marketing | 4 | 4 | 2 | 1 | 1 | |
| Travel and business relations | 2 | 966,000 | 985,000 | 566,000 | 327,000 | |
| Data processing | 8 | 7 | 5 | 4 | 4 | |
| Other operating expenses | 4 | 3 | 3 | 3 | 2 | |
| Total noninterest expense | 71 | 61 | 53 | 42 | 35 | |
| Net income before income taxes | 66 | 59 | 56 | 39 | 23 | |
| Income tax expense | 15 | 16 | 15 | 10 | 5 | |
| Net income | 51 | 44 | 41 | 29 | 18 | |
| Basic | 6.3 | 5.58 | 5.31 | 3.73 | 2.4 | |
| Diluted | 5.87 | 5.14 | 4.91 | 3.47 | 2.26 |
Consolidated Balance Sheet
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 236 | 126 | 165 | 164 | 149 | |
| Securities available-for-sale, at fair value | 247 | 242 | 122 | 109 | 148 | |
| Securities held-to-maturity, at cost (fair value of $55,500 and $60,931, at December 31, 2025 and December 31, 2024, respectively) | 60 | 69 | 77 | 78 | — | |
| Securities, restricted, at cost | 3 | 3 | 3 | 3 | 3 | |
| Loans held for investment | 1,758 | 1,397 | 1,207 | — | — | |
| Less: allowance for credit losses | −24 | −21 | −17 | — | — | |
| Loans, net of allowance | 1,734 | 1,376 | 1,191 | — | — | |
| Premises and equipment, net | 4 | 2 | 3 | 3 | 3 | |
| Accrued interest receivable | 13 | 10 | 9 | — | — | |
| Deferred tax assets, net | 11 | 13 | 12 | 10 | 3 | |
| Other assets | 57 | 51 | 35 | 38 | 42 | |
| Total assets | 2,366 | 1,893 | 1,617 | 1,396 | 1,179 | |
| Demand | 576 | 498 | 473 | 444 | 409 | |
| Savings, NOW and money market | 1,480 | 1,130 | 926 | 764 | 600 | |
| Time | 6 | 14 | 8 | 20 | 19 | |
| Total deposits | 2,063 | 1,642 | 1,407 | 1,228 | 1,028 | |
| Accrued expenses and other liabilities | 13 | 13 | 11 | 9 | 7 | |
| Total liabilities | 2,076 | 1,655 | 1,418 | 1,237 | 1,035 | |
| Commitments and contingencies | — | — | — | — | — | |
| Preferred stock, par value $0.01; authorized 2,000,000 shares; none issued | — | — | — | — | — | |
| Common stock, par value $0.01; authorized 15,000,000 shares; 8,708,923 and 8,473,651 shares issued, respectively; and 8,552,405 and 8,354,753 shares outstanding, respectively | 87,000 | 85,000 | 84,000 | 82,000 | 81,000 | |
| Additional paid-in capital | 110 | 104 | 100 | 96 | 94 | |
| Retained earnings | 198 | 153 | 114 | 78 | 51 | |
| Accumulated other comprehensive loss | −8 | −14 | −13 | −15 | −850,000 | |
| Treasury stock at cost (156,518 and 118,898 shares, respectively) | −10 | −6 | −2 | −906,000 | −567,000 | |
| Total stockholders' equity | 290 | 237 | 199 | 158 | 144 | |
| Total liabilities and stockholders' equity | 2,366 | 1,893 | 1,617 | 1,396 | 1,179 |
Consolidated Statement of Cash Flows
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Depreciation and amortization of premises and equipment | 1 | 880,000 | 707,000 | 703,000 | 687,000 | |
| Stock compensation expense | 5 | 4 | 3 | 2 | 2 | |
| Deferred tax benefit | 20,000 | −1 | −3 | −1 | — | |
| Securities | 469,000 | 430,000 | 429,000 | 537,000 | 776,000 | |
| Loans | −109,000 | −484,000 | −1 | −1 | −1 | |
| Right of use asset | 748,000 | 572,000 | 567,000 | 466,000 | 534,000 | |
| Software | 2 | 2 | 1 | 1 | 1 | |
| Accrued interest receivable | −3 | −994,000 | −3 | −2 | 332,000 | |
| Other assets | −7 | −11 | 794,000 | 3 | 322,000 | |
| Operating lease liability | −890,000 | −721,000 | −627,000 | −561,000 | −544,000 | |
| Accrued expenses and other liabilities | 669,000 | 698,000 | 2 | 3 | 587,000 | |
| Net cash provided by operating activities | 60 | 42 | 42 | 39 | 30 | |
| Net change in loans | −368 | −189 | −259 | −162 | −135 | |
| Net change in securities purchased under agreements to resell | — | — | 50 | 704,000 | 1 | |
| Purchases of securities available-for-sale | −48 | −158 | −23 | −2 | −87 | |
| Purchases of securities held-to-maturity | — | — | −6 | −84 | — | |
| Principal repayments on securities available-for-sale | 50 | 36 | 12 | 21 | 52 | |
| Principal repayments on securities held-to-maturity | 8 | 8 | 7 | 6 | — | |
| Purchases of securities, restricted | −139,000 | −106,000 | −118,000 | −130,000 | — | |
| Proceeds from equity investment | 1 | 1 | 7 | — | — | |
| Purchase of equity investment | −700,000 | −4 | — | — | — | |
| Purchases of premises and equipment | −3 | −714,000 | −605,000 | −73,000 | −1 | |
| Development of capitalized software | −2 | −2 | −2 | −1 | −2 | |
| Net cash used in investing activities | −362 | −308 | −215 | −222 | −170 | |
| Net increase in deposits | 421 | 235 | 179 | 200 | 224 | |
| Decrease in borrowings | −2,000 | −2,000 | −2,000 | −2,000 | −1,000 | |
| Exercise of stock options, net of repurchases | 887,000 | 505,000 | 110,000 | 333,000 | 27,000 | |
| Tax withholding payments for vested equity awards | −4 | −3 | −1 | −339,000 | — | |
| Cash dividends paid to common stockholders | −6 | −5 | −4 | −2 | — | |
| Purchase of common stock | — | — | −286,000 | — | — | |
| Net cash provided by financing activities | 412 | 227 | 174 | 198 | 224 | |
| Increase (decrease) in cash and cash equivalents | 110 | −39 | 1 | 15 | 84 | |
| Interest | 18 | 13 | 8 | 2 | 828,000 | |
| Taxes | 15 | 18 | 18 | 9 | 6 | |
| Dividends declared but not paid | 106,000 | 141,000 | 175,000 | 117,000 | — | |
| Exchange of noncash instruments | — | −300,000 | 2 | — | — | |
| Right of use asset obtained in exchange for lease liability | — | 2 | — | 383,000 | — | |
| Cumulative change in accounting principle (Note 1) | — | — | −568,000 | — | — |
Filings
Material Events
Insiders
Institutional Holders
Frequently asked questions
What is Esquire Financial Holdings, Inc.'s CIK number?
Esquire Financial Holdings, Inc.'s SEC CIK number is 0001531031 (1531031). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Esquire Financial Holdings, Inc.'s SEC filings?
All of Esquire Financial Holdings, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Esquire Financial Holdings, Inc. last report earnings?
Esquire Financial Holdings, Inc. (ESQ) most recently filed an earnings 8-K with the SEC on Apr 23, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001104659-26-047290). This is Esquire Financial Holdings, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is Esquire Financial Holdings, Inc.'s most recent earnings 8-K?
Esquire Financial Holdings, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 23, 2026 under accession 0001104659-26-047290. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View Esquire Financial Holdings, Inc.'s latest earnings 8-K →
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