Every 10-Q that Esquire Financial Holdings, Inc. (ESQ) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow ESQ and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ESQ filings page.
Esquire Financial Holdings reported solid growth for the six months ended June 30, 2026. Total assets rose to $2.51 billion from $2.37 billion, driven mainly by loans held for investment increasing to $1.90 billion from $1.76 billion. Total deposits grew to $2.18 billion from $2.06 billion, with most funding in savings, NOW and money market accounts.
For the quarter, net income was $12.98 million versus $11.89 million a year earlier; six‑month net income was $25.19 million versus $23.30 million. Diluted EPS was $1.49 for the quarter and $2.89 year‑to‑date, compared with $1.38 and $2.70, respectively. Net interest income for the first half increased to $69.75 million from $56.86 million, while provision for credit losses was $5.60 million, up from $5.03 million, and the allowance for credit losses stood at $24.72 million.
Subsequent to quarter‑end, Esquire completed a stock‑for‑stock merger with Signature Bancorporation. Signature shareholders received 2.671 Esquire shares per Signature share, for total consideration of about $466 million. Based on June 30, 2026 data, the combined company has roughly $4.8 billion in assets, $3.3 billion in loans, and $4.0 billion in deposits. Merger‑related expenses were $2.3 million year‑to‑date and are described as non‑recurring.
Esquire Financial Holdings, Inc. reported net income of $12.2 million for the three months ended March 31, 2026, up from $11.4 million a year earlier. Diluted earnings per share were $1.40 versus $1.33, driven by higher net interest income of $34.0 million compared with $27.6 million in 2025.
Total assets reached $2.42 billion, with loans held for investment rising to $1.82 billion and deposits to $2.10 billion. Credit costs increased, with a $2.7 million provision for credit losses and net charge-offs tied mainly to a foreclosed multifamily loan. The company also incurred $1.3 million in merger expenses related to a planned stock-for-stock acquisition of Signature Bancorporation, where Signature shareholders are expected to receive 2.63 shares of Esquire common stock per Signature share, subject to an adjustable exchange ratio between 2.50 and 2.80.
Esquire Financial Holdings (ESQ) filed its Q3 2025 10‑Q, showing solid growth and stable credit. Net income was $14.1 million versus $11.4 million a year ago, and diluted EPS was $1.62 versus $1.34. Net interest income rose to $31.3 million, helped by loan growth, while the provision for credit losses was $1.8 million.
Total assets reached $2.18 billion, up from $1.89 billion at year‑end 2024. Loans held for investment were $1.55 billion and deposits were $1.88 billion, led by savings, NOW and money market balances of $1.27 billion. Noninterest income was $6.2 million, with payment processing fees of $5.1 million.
Noninterest expense was $18.4 million, reflecting higher compensation and data processing costs. Credit quality metrics remained manageable: the allowance for credit losses was $21.1 million, and past due/nonaccrual balances were low. One multifamily loan was restructured earlier in 2025; the current carrying amount was $7.9 million at quarter‑end.
Esquire Financial Holdings reported stronger core results for the three and six months ended June 30, 2025. Net income for the quarter was $11,890 thousand, up from $10,487 thousand a year earlier, and six-month net income was $23,297 thousand versus $20,545 thousand. Net interest income rose to $29,254 thousand for the quarter from $24,322 thousand, driven by higher interest on loans of $28,762 thousand compared with $24,216 thousand.
The balance sheet expanded: total loans held for investment increased to $1,494,599 thousand from $1,397,021 thousand and total deposits grew to $1,782,328 thousand from $1,642,236 thousand, helping total assets reach $2,059,977 thousand. Provision for credit losses increased to $3,525 thousand for the quarter (six months $5,025 thousand), while the allowance for credit losses was $19,407 thousand at period end. Noninterest expense rose to $17,062 thousand for the quarter and noninterest income was $6,577 thousand.
Securities available-for-sale had a fair value of $257,375 thousand and unrealized losses were attributed to interest-rate movements, not credit, and therefore were not considered credit impairments. Stockholders' equity increased to $263,556 thousand and diluted EPS for the quarter was $1.38.