Esquire Financial Holdings, Inc.

For the period ended Mar 31, 2026. Filed May 11, 2026.

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.

Mar 31, 2026 · Filed May 11, 2026

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

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

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Contents

Consolidated Statements of Cash Flows

(Dollars in thousands)


· · Three Months Ended March 31,
· · 2026 · · 2025
Cash flows from operating activities:
Net income	$12,211	$11,407
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	2,700	1,500
Depreciation and amortization of premises and equipment	370	260
Stock compensation expense	2,042	1,089
Net amortization (accretion):
Securities	112	126
Loans	(30)	(28)
Right of use asset	185	185
Software	436	464
Changes in other assets and liabilities:
Accrued interest receivable	(665)	(668)
Other assets	(2,037)	(866)
Operating lease liability	(233)	(221)
Accrued expenses and other liabilities	4,420	2,562
Net cash provided by operating activities	19,511	15,810
Cash flows from investing activities:
Net change in loans	(59,815)	(21,827)
Purchases of securities available-for-sale	(29,710)	—
Principal repayments on securities available-for-sale	17,103	8,536
Principal repayments on securities held-to-maturity	1,858	1,899
Purchase of equity investment	—	(450)
Purchases of premises and equipment	(180)	(1,152)
Development of capitalized software	(447)	(597)
Net cash used in investing activities	(71,191)	(13,591)
Cash flows from financing activities:
Net increase in deposits	39,561	45,884
Decrease in borrowings	(1)	—
Exercise of stock options, net of repurchases	111	9
Cash dividends paid to common stockholders	(1,657)	(1,400)
Net cash provided by financing activities	38,014	44,493
Increase (decrease) in cash and cash equivalents	(13,666)	46,712
Cash and cash equivalents at beginning of the period	235,887	126,329
Cash and cash equivalents at end of the period	$222,221	$173,041

Supplemental disclosures of cash flow information:
Cash paid during the period for:
Interest	$5,014	$3,919
Taxes	997	901
Noncash transactions:
Dividends declared but not paid	78	79

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.