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Midas Edge

Esquire Financial Holdings, Inc.

For the period ended Sep 30, 2025. Filed Nov 7, 2025.

View on SEC.gov

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 7, 2025

ESQ$131.84-1.2%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits
Contents

Consolidated Statements of Income

​​​​​​​​​​​​​
​ · ​ · Three Months Ended September 30, · ​ · Nine Months Ended September 30,
​2025202420252024
Interest income:​​​​​​​​​​​​
Loans held for investment​$30,839​$25,122​$86,411​$72,727
Securities, includes restricted stock​​3,244​​2,389​​9,413​​6,017
Interest earning cash and other​​2,048​​1,620​​5,356​​3,845
Total interest income​​36,131​​29,131​​101,180​​82,589
​​​​​​​​​​​​​
Interest expense:​​​​​​​​​​​​
Savings, NOW and money market deposits​​4,739​​3,129​​12,748​​9,159
Time deposits​​52​​143​​227​​384
Borrowings​​1​​1​​3​​3
Total interest expense​​4,792​​3,273​​12,978​​9,546
​​​​​​​​​​​​​
Net interest income​​31,339​​25,858​​88,202​​73,043
Provision for credit losses​​1,750​​1,000​​6,775​​3,000
Net interest income after provision for credit losses​​29,589​​24,858​​81,427​​70,043
​​​​​​​​​​​​​
Noninterest income:​​​​​​​​​​​​
Payment processing fees​​5,069​​5,169​​15,088​​15,787
Administrative service income​​731​​658​​2,254​​2,024
Customer related fees, service charges and other​​433​​235​​1,619​​915
Total noninterest income​​6,233​​6,062​​18,961​​18,726
​​​​​​​​​​​​​
Noninterest expense:​​​​​​​​​​​​
Employee compensation and benefits​​10,852​​9,525​​31,133​​28,211
Occupancy and equipment​​1,153​​977​​3,453​​3,060
Professional and consulting services​​1,471​​955​​4,026​​2,763
FDIC and regulatory assessments​​284​​236​​847​​691
Advertising and marketing​​974​​949​​2,636​​2,702
Travel and business relations​​488​​264​​1,097​​722
Data processing​​2,272​​1,690​​6,252​​4,923
Other operating expenses​​866​​762​​2,726​​2,086
Total noninterest expense​​18,360​​15,358​​52,170​​45,158
​​​​​​​​​​​​​
Net income before income taxes​​17,462​​15,562​​48,218​​43,611
Income tax expense​​3,405​​4,202​​10,864​​11,706
​​​​​​​​​​​​​
Net income​$14,057​$11,360​$37,354​$31,905
​​​​​​​​​​​​​
Earnings per share​​​​​​​​​​​​
Basic​$1.74​$1.45​$4.65​$4.09
Diluted​$1.62​$1.34​$4.32​$3.78
ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.