Esquire Financial Holdings, Inc.

For the period ended Mar 31, 2025. Filed May 12, 2025.

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, 2025 · Filed May 12, 2025

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

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Contents

Consolidated Statements of Income


· · Three Months Ended March 31,
	2025		2024
Interest income:
Loans held for investment		$26,810		$23,389
Securities, includes restricted stock		3,042		1,605
Interest earning cash and other		1,661		1,079
Total interest income		31,513		26,073

Interest expense:
Savings, NOW and money market deposits		3,784		3,098
Time deposits		119		111
Borrowings		1		1
Total interest expense		3,904		3,210

Net interest income		27,609		22,863
Provision for credit losses		1,500		1,000
Net interest income after provision for credit losses		26,109		21,863

Noninterest income:
Payment processing fees		4,912		5,296
Administrative service income		880		746
Customer related fees, service charges and other		359		347
Total noninterest income		6,151		6,389

Noninterest expense:
Employee compensation and benefits		10,065		9,161
Occupancy and equipment		1,132		927
Professional and consulting services		1,264		951
FDIC and regulatory assessments		270		222
Advertising and marketing		851		872
Travel and business relations		306		278
Data processing		1,920		1,511
Other operating expenses		940		646
Total noninterest expense		16,748		14,568

Net income before income taxes		15,512		13,684
Income tax expense		4,105		3,626

Net income		$11,407		$10,058

Earnings per share
Basic		$1.43		$1.29
Diluted		$1.33		$1.20

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.