Esquire Financial Holdings, Inc.

For the period ended Jun 30, 2026. Filed Aug 10, 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.

Jun 30, 2026 · Filed Aug 10, 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)


· · Six Months Ended June 30,
· · 2026 · · 2025
Cash flows from operating activities:
Net income	$25,189	$23,297
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	5,600	5,025
Depreciation and amortization of premises and equipment	741	524
Stock compensation expense	3,722	2,280
Gain on equity investment	—	(432)
Net amortization (accretion):
Securities	209	248
Loans	9	(53)
Right of use asset	371	373
Software	927	927
Changes in other assets and liabilities:
Accrued interest receivable	(932)	(967)
Other assets	(6,083)	(5,687)
Operating lease liability	(470)	(443)
Accrued expenses and other liabilities	4,744	1,205
Net cash provided by operating activities	34,027	26,297
Cash flows from investing activities:
Net change in loans	(148,751)	(117,467)
Purchases of securities available-for-sale	(29,710)	(31,069)
Principal repayments on securities available-for-sale	34,418	20,090
Principal repayments on securities held-to-maturity	4,048	4,140
Purchases of securities, restricted	(23)	(139)
Proceeds from equity investment	—	1,232
Purchase of equity investment	—	(700)
Purchases of premises and equipment	(342)	(2,316)
Development of capitalized software	(838)	(1,191)
Net cash used in investing activities	(141,198)	(127,420)
Cash flows from financing activities:
Net increase in deposits	116,686	140,092
Decrease in borrowings	(1)	(1)
Exercise of stock options, net of repurchases	262	480
Tax withholding payments for vested equity awards	(153)	—
Cash dividends paid to common stockholders	(3,327)	(2,804)
Net cash provided by financing activities	113,467	137,767
Increase in cash and cash equivalents	6,296	36,644
Cash and cash equivalents at beginning of the period	235,887	126,329
Cash and cash equivalents at end of the period	$242,183	$162,973

Supplemental disclosures of cash flow information:
Cash paid during the period for:
Interest	$10,583	$8,186
Taxes	8,320	9,976
Noncash transactions:
Dividends declared but not paid	146	159

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.