Esquire Financial Holdings, Inc. Debt Disclosure
NOTE 6 — Borrowings
The Company had a secured borrowing of $40 and $42 as of December 31, 2025 and 2024, respectively, relating to certain loan participations sold by the Company that did not qualify for sales treatment.
At December 31, 2025 and 2024, we had the ability to borrow a total of $455,461 and $431,700, respectively, from the FHLB. We also had a borrowing capacity with the FRB discount window of $48,096 and $51,363 at December 31, 2025 and 2024, respectively. These borrowings are collateralized by loans and securities. At December 31, 2025 and 2024, we also had lines of credit with other financial institutions totaling $29,000 and $17,500, respectively. No amounts were outstanding on any of the aforementioned lines as of December 31, 2025 and 2024.
Historical Timeline
| Fiscal Year | Filed | |
|---|---|---|
| 2025 | Mar 13, 2026 | Showing above |
| 2024 | Mar 17, 2025 | |
| 2023 | Mar 29, 2024 | |
| 2022 | Mar 27, 2023 | |
| 2021 | Mar 11, 2022 | |
| 2020 | Mar 19, 2021 | |
| 2019 | Mar 12, 2020 | |
| 2018 | Mar 14, 2019 | |
| 2017 | Mar 29, 2018 | |
About Debt Disclosures
Debt disclosures detail a company's borrowing structure — the types of instruments, interest rates, maturity schedule, and covenant restrictions that define its financial obligations and flexibility. This section is essential for assessing refinancing risk, interest rate exposure, and the margin of safety against financial distress.
Key signals: the maturity schedule reveals concentration risk — large maturities within 1-2 years during tight credit markets can force dilutive refinancing or asset sales. Compare the fair value of debt against carrying amount to gauge whether the market views the company's credit risk differently than the balance sheet suggests. Watch covenant compliance disclosures for tightening cushions, especially leverage and interest coverage ratios. Variable-rate debt exposure quantifies sensitivity to interest rate changes. Secured versus unsecured mix affects recovery rates and future borrowing capacity. Compare net debt-to-EBITDA against industry peers and covenant limits to assess financial health.