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

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Contents

Consolidated Statements of Income


· · Three Months Ended June 30, · · Six Months Ended June 30,
· · 2026 · · 2025 · · 2026 · · 2025
Interest income:
Loans held for investment	$36,417	$28,762	$70,715	$55,572
Securities, includes restricted stock	3,046	3,127	6,224	6,169
Interest earning cash and other	1,838	1,647	3,395	3,308
Total interest income	41,301	33,536	80,334	65,049

Interest expense:
Savings, NOW and money market deposits	5,502	4,225	10,459	8,009
Time deposits	50	56	117	175
Borrowings	1	1	6	2
Total interest expense	5,553	4,282	10,582	8,186

Net interest income	35,748	29,254	69,752	56,863
Provision for credit losses	2,900	3,525	5,600	5,025
Net interest income after provision for credit losses	32,848	25,729	64,152	51,838

Noninterest income:
Payment processing fees	5,126	5,107	10,269	10,019
Administrative service income	1,092	643	2,229	1,523
Customer related fees, service charges and other	165	827	340	1,186
Total noninterest income	6,383	6,577	12,838	12,728

Noninterest expense:
Employee compensation and benefits	12,605	10,216	24,826	20,281
Occupancy and equipment	1,344	1,168	2,600	2,300
Professional and consulting services	1,038	1,291	2,011	2,555
FDIC and regulatory assessments	327	293	630	563
Advertising and marketing	1,004	811	2,002	1,662
Travel and business relations	271	303	577	609
Data processing	2,403	2,060	4,772	3,980
Merger expenses	1,070	—	2,342	—
Other operating expenses	1,043	920	2,002	1,860
Total noninterest expense	21,105	17,062	41,762	33,810

Net income before income taxes	18,126	15,244	35,228	30,756
Income tax expense	5,148	3,354	10,039	7,459

Net income	$12,978	$11,890	$25,189	$23,297

Earnings per share
Basic	$1.57	$1.48	$3.05	$2.91
Diluted	$1.49	$1.38	$2.89	$2.70

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.