[8-K] Esquire Financial Holdings, Inc. Reports Material Event

Rhea-AI Filing Summary

On August 8, 2025, Esquire Financial Holdings, Inc. (NASDAQ: ESQ) filed a Form 8-K (Item 8.01) announcing execution of a new headquarters lease at 300 Jericho Quadrangle, Jericho, NY, adjacent to its existing offices. The facility totals 50,000 sq ft across two floors, offers a private entrance, and includes 16,000 sq ft of outdoor space for employees, clients and corporate events. A related press release was furnished as Exhibit 99.1. No information on lease cost, duration, or funding requirements was provided, and the filing contained no other material events or financial data.

Positive

• Headquarters expansion: 50,000-sq ft lease with indoor/outdoor amenities signals confidence in future growth and improved client engagement.

Negative

• No financial terms disclosed: Filing omits rent, lease length or cap-ex, limiting evaluation of profitability impact.

Insights

Financial Analyst

TL;DR: HQ expansion suggests operational scaling; limited disclosure keeps financial impact uncertain—overall neutral.

The 50 k-sq ft lease indicates management’s confidence in continued growth, particularly in core niches like litigation & payment-processing banking. Additional space could support headcount and client-facing activities, potentially enhancing service capacity and brand visibility. However, the 8-K omits rent, term, and fit-out costs, preventing assessment of EPS or capital ratios. Absent such metrics, investors should view the announcement as strategic positioning rather than a value-changing event.

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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): August 8, 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 8.01Other Events.

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On August 8, 2025, Esquire Financial Holdings, Inc. (the “Company”), the holding company for Esquire Bank, National Association (“Esquire Bank”), today announced that it has executed a new headquarters lease at 300 Jericho Quadrangle, Jericho, New York, adjacent to its current headquarters location. The 50,000 square-foot space spans two floors and will feature a private entrance as well as dedicated indoor space and 16,000 square feet of outdoor space for employees, clients, and Esquire events.

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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 August 8, 2025.
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:  August 8, 2025	By:/s/ Andrew C. Sagliocca
​	Andrew C. Sagliocca
​	Vice Chairman, Chief Executive Officer and President

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FAQ

What did Esquire Financial (ESQ) disclose in its August 8 2025 8-K?

The company signed a 50,000-sq ft headquarters lease at 300 Jericho Quadrangle, adjacent to its current office.

Does the filing reveal the cost or duration of the new ESQ headquarters lease?

No. The 8-K does not include rent, lease term, or capital expenditure details.

How much outdoor space is included in Esquire Financial’s new HQ?

16,000 square feet of outdoor area designated for employees, clients and corporate events.

Why is Esquire Financial expanding its headquarters?

The filing cites space for employees, clients and events, suggesting operational scaling, but provides no explicit strategic rationale.

Were any other material events reported in the 8-K?

No. Item 8.01 was the only disclosure; no earnings, M&A, or governance changes were included.