Esquire Financial (ESQ) furnishes Q3 2025 earnings release, deck

Esquire Financial Holdings (ESQ) reported that it issued a press release announcing earnings for the quarter ended September 30, 2025.

Rhea-AI Filing Summary

Esquire Financial Holdings (ESQ) reported that it issued a press release announcing earnings for the quarter ended September 30, 2025. The company also made an investor presentation available to investors and on its website.

The press release is furnished as Exhibit 99.1 and the presentation as Exhibit 99.2. The materials in Items 2.02 and 7.01, including Exhibits 99.1 and 99.2, are being furnished, not filed, and are not subject to Section 18 of the Exchange Act, nor incorporated by reference except as expressly stated.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Esquire Financial (ESQ) announce in this 8-K?

It furnished a press release with earnings for the quarter ended September 30, 2025, and an investor presentation.

Which period do the earnings cover for ESQ?

The quarter ended September 30, 2025.

What exhibits were included with the ESQ filing?

Exhibit 99.1 is the earnings press release and Exhibit 99.2 is the investor presentation.

Are the materials considered filed or furnished?

They are furnished, not filed, and are not subject to Section 18 liability.

Where will the investor presentation be available?

It will be distributed to investors and posted on the company’s website.

Does the 8-K include detailed financial results?

Detailed results are in the furnished press release (Exhibit 99.1).

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 10/23/2025 - 08:45 AM Learn about SEC filing dates

0001531031false00015310312025-10-232025-10-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 8-K

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CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

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Date of report (Date of earliest event reported): October 23, 2025

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Esquire Financial Holdings, Inc.

(Exact name of the registrant as specified in its charter)

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Maryland	001-38131	27-5107901
(State or other jurisdiction of incorporation or organization)	(Commission File Number)	(IRS Employer Identification No.)

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100 Jericho Quadrangle, Suite 100	​	​
Jericho, New York	​	11753
(Address of principal executive offices)	​	(Zip Code)

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(516) 535-2002

(Registrant’s telephone number)

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N/A

(Former name or former address, if changed since last report)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2. below):

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☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4c)

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Securities registered pursuant to Section 12(b) of the Act:

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		​ ​
Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, $0.01 par value		ESQ		The Nasdaq Stock Market LLC

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

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Emerging growth company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 2.02Results of Operations and Financial Condition.

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On October 23, 2025, Esquire Financial Holdings, Inc. (the “Company”), the holding company for Esquire Bank, National Association (“Esquire Bank”), issued a press release announcing its earnings for the quarter ended September 30, 2025. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference.

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The information contained in this Item 2.02 and Exhibit 99.1 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any filings made by the Company under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as expressly set forth by specific reference in such filing.

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Item 7.01Regulation FD Disclosure.

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Esquire Financial Holdings, Inc. (the “Company”) intends to distribute and make available to investors, and to post on its website, the written presentation attached hereto as Exhibit 99.2. The presentation is furnished in this Current Report on Form 8-K, pursuant to this Item 7.01, as Exhibit 99.2, and is incorporated herein by reference.

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The information contained in this Item 7.01 and Exhibit 99.2 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any filings made by the Company under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as expressly set forth by specific reference in such filing.

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Item 9.01Financial Statements and Exhibits.

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(d) Exhibits.

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Exhibit No.	​	Description
99.1	​	Press Release dated October 23, 2025.
99.2	​	Written presentation to be distributed and made available to investors and posted on the Company’s website.
104	​	Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101).

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SIGNATURES

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Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

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​	ESQUIRE FINANCIAL HOLDINGS, INC.
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Dated:  October 23, 2025	By:/s/ Andrew C. Sagliocca
​	Andrew C. Sagliocca
​	Vice Chairman, Chief Executive Officer and President

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