Esquire Financial Holdings, Inc.

For the period ended Sep 30, 2026. Filed Nov 9, 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.

Sep 30, 2026 · Filed Nov 9, 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 September 30, · · Nine Months Ended September 30,
· · 2026 · · 2025 · · 2026 · · 2025
Interest income:
Loans held for investment	$55,207	$30,839	$125,922	$86,411
Securities, includes restricted stock	4,884	3,244	11,108	9,413
Interest earning cash and other	3,047	2,048	6,442	5,356
Total interest income	63,138	36,131	143,472	101,180

Interest expense:
Savings, NOW and money market deposits	9,132	4,739	19,591	12,748
Time deposits	417	52	534	227
Borrowings	83	1	89	3
Total interest expense	9,632	4,792	20,214	12,978

Net interest income	53,506	31,339	123,258	88,202
Provision for credit losses	1,800	1,750	7,400	6,775
Net interest income after provision for credit losses	51,706	29,589	115,858	81,427

Noninterest income:
Payment processing fees	5,444	5,069	15,713	15,088
Administrative service income	1,052	731	3,281	2,254
Customer related fees, service charges and other	1,389	433	1,729	1,619
Total noninterest income	7,885	6,233	20,723	18,961

Noninterest expense:
Employee compensation and benefits	15,958	10,852	40,784	31,133
Occupancy and equipment	1,568	1,153	4,168	3,453
Professional and consulting services	1,316	1,471	3,327	4,026
FDIC and regulatory assessments	491	284	1,121	847
Advertising and marketing	1,164	974	3,166	2,636
Travel and business relations	475	488	1,052	1,097
Data processing	2,899	2,272	7,671	6,252
Merger expenses	8,887	210	11,229	210
Amortization of core deposit intangible	1,827	—	1,827	—
Other operating expenses	1,382	656	3,384	2,516
Total noninterest expense	35,967	18,360	77,729	52,170

Net income before income taxes	23,624	17,462	58,852	48,218
Income tax expense	6,142	3,405	16,181	10,864

Net income	$17,482	$14,057	$42,671	$37,354

Earnings per share
Basic	$1.65	$1.74	$4.71	$4.65
Diluted	$1.57	$1.62	$4.48	$4.32

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.