Every 8-K 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 8-K covers material events a company has to report between its quarterly 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, Inc. completed its previously announced merger with Signature Bancorporation, Inc. on August 1, 2026. A merger subsidiary first combined with Signature, which then merged into Esquire, followed by the merger of Signature Bank into Esquire Bank, National Association, with Esquire Bank as the surviving bank.
Each share of Signature common stock was converted into the right to receive 2.671 shares of Esquire common stock, with cash paid in lieu of fractional shares. Outstanding Signature stock options (other than those granted after March 11, 2026) fully vested, were assumed by Esquire, and adjusted by the Exchange Ratio for both shares and exercise price while retaining their prior terms.
Esquire’s board was increased to ten directors, adding former Signature leaders Michael G. O’Rourke and Leonard S. Caronia, who are expected to serve through the 2027 annual meeting, subject to stockholder election. O’Rourke became President of Signature, a division of Esquire Bank, under an employment agreement, and he and certain former Signature executives are subject to a lock-up restricting sales of Esquire shares received in the merger. Esquire plans to file acquired-business financial statements and pro forma financial information by amendment within 71 days of the required filing date.
Esquire Financial Holdings, Inc., the financial holding company for Esquire Bank, declared a regular quarterly cash dividend of $0.20 per share of common stock. The dividend is payable on September 1, 2026 to stockholders of record as of August 14, 2026.
Esquire Financial is headquartered in Jericho, New York. Its wholly owned subsidiary, Esquire Bank, operates as a full-service commercial bank focused on serving the litigation industry and small businesses nationally, along with commercial and retail customers in the New York and Los Angeles metropolitan areas.
Esquire Financial Holdings, Inc. reported Q2 2026 net income of $13.0 million, or $1.49 diluted EPS, versus $11.9 million, or $1.38, in Q2 2025. Year-to-date net income was $25.2 million, or $2.89 diluted EPS. Returns on average assets and equity were 2.09% and 17.06% for the quarter.
Net interest income rose to $35.7 million on 23.5% growth in average interest-earning assets to $2.40 billion, while net interest margin was 5.96%. Average loans increased 28.3% to $1.88 billion, led by litigation-related lending, and average deposits grew 23.6% to $2.16 billion; the loan-to-deposit ratio was 87% at June 30, 2026.
The provision for credit losses was $2.9 million in Q2, and nonperforming loans totaled $5.1 million, with an allowance equal to 1.30% of total loans. Noninterest expense increased to $21.1 million, including $1.1 million of Signature merger costs, producing an efficiency ratio of 50.1% (47.6% adjusted). Total assets reached $2.51 billion, deposits $2.18 billion, and stockholders’ equity $313.9 million, with capital ratios above regulatory “well capitalized” levels. Management highlighted the pending merger with Signature, currently scheduled to close on August 1, 2026, and furnished an investor presentation alongside these results.
Esquire Financial Holdings, Inc. reported that its stockholders approved issuing new Esquire common shares to Signature Bancorporation shareholders for their planned merger. At the April 29, 2026 record date, Esquire had 8,639,431 shares outstanding, and 6,586,054 shares were represented at the June 23 special meeting, constituting a quorum.
The share issuance proposal passed with 6,568,618 votes for, 9,444 against and 7,992 abstentions. Based on Signature’s sale of approximately $70 million of Schedule A Loans at a roughly 62.0% recovery rate, the final exchange ratio was set at 2.671 Esquire shares per Signature share, up from the previously assumed 2.630.
This change raises the expected Esquire shares issued to Signature holders from 3.393 million to 3.447 million, an increase of about 54 thousand shares, or 1.6%. All required regulatory and stockholder approvals have been received, and the companies anticipate closing the merger in the third quarter of 2026, subject to remaining customary conditions.
Esquire Financial Holdings, Inc. and Signature Bancorporation, Inc. have received all required regulatory approvals and waivers for their proposed merger. Approvals include a waiver of prior approval for the holding company merger from the Federal Reserve Bank of New York and approval of the bank merger from the Office of the Comptroller of the Currency.
The transaction is not yet complete. Closing of the merger remains subject to approvals from Esquire stockholders and Signature shareholders, along with certain other customary closing conditions. Both companies reiterate typical forward-looking statement cautions and direct investors to the Form S-4 registration statement and joint proxy statement/prospectus for detailed information about the proposed deal.
Esquire Financial Holdings, Inc. reported the results of its Annual Meeting of Stockholders held on May 28, 2026, where all proposals were approved. Of 8,637,034 shares outstanding and entitled to vote, 7,625,348 shares were represented in person or by proxy, indicating a strong quorum.
Stockholders elected Raymond Kelly, Robert J. Mitzman and Kevin C. Waterhouse to three-year terms and Todd Deutsch to a two-year term, with each nominee receiving substantially more votes "for" than "withheld." Proposals 2 and 3 also passed by wide margins, with more than 6 million shares voting in favor of each.
Esquire Financial Holdings, Inc. declared a regular quarterly cash dividend of $0.20 per share on its common stock. The dividend will be paid on June 1, 2026 to stockholders who are on the company’s books as of the record date of May 15, 2026. This continues the company’s practice of returning cash to common stockholders through regular dividends.
Esquire Financial Holdings, Inc. reported higher first quarter 2026 results while advancing its strategic merger with Signature Bancorporation, Inc. Net income for the quarter ended March 31, 2026 was $12.2 million, or $1.40 per diluted share, up from $11.4 million, or $1.33 per diluted share a year earlier.
Net interest income rose $6.4 million, or 23.2%, to $34.0 million, driven by average interest earning assets of $2.28 billion and a net interest margin of 6.04%. Loans held for investment reached $1.81 billion, with litigation related commercial loans of $1.22 billion representing 67.4% of the portfolio. Deposits totaled $2.10 billion, up 24.6% year over year.
Asset quality remained strong, with nonperforming loans of $736 thousand, or 0.04% of total loans, and an allowance for credit losses of $23.5 million, or 1.30% of total loans. The efficiency ratio was 51.1%, or 46.9% on an adjusted basis excluding merger expenses and accelerated stock compensation.
Esquire Financial Holdings, Inc. announced that longtime director Selig Zises resigned from the boards of the company and Esquire Bank, National Association, effective March 31, 2026, to focus on his personal health and related disability.
The company states that Mr. Zises’ resignation was not due to any disagreement with Esquire Financial, the bank, or their affiliates. Following his departure, the size of the company’s Board of Directors was reduced from nine to eight members. His resignation letter is included as an exhibit.
Esquire Financial Holdings agreed to acquire Signature Bancorporation in an all-stock merger that will create a combined bank with approximately $4.8 billion in assets at closing. Signature shareholders will receive 2.63 shares of Esquire common stock for each Signature share, with an exchange ratio that can adjust between 2.50 and 2.80 based on proceeds from the sale of about $70 million of specified Signature loans.
The deal is positioned as a strategic expansion into the Chicago market, reducing Esquire’s litigation vertical loan and funding concentrations from above 70% to below 50% and adding a long-standing commercial banking franchise. Esquire projects GAAP EPS accretion of 23% in 2027 and approximately 11% tangible book value accretion, with no capital raise.
Two Signature directors will join Esquire’s and Esquire Bank’s boards, and Signature’s top executives will lead the Chicago operations under the “Signature, a division of Esquire Bank” brand. Closing is subject to shareholder approvals, multiple banking regulatory approvals, effectiveness of a Form S-4, and other customary conditions. Signature may owe a $15.0 million termination fee if the merger agreement ends under specified circumstances.
Esquire Financial Holdings, Inc. announced that its Board of Directors approved a 14% increase in the regular quarterly dividend to $0.20 per share of common stock. The dividend is payable on March 2, 2026 to stockholders of record as of February 13, 2026. This higher payout reflects an updated capital return to shareholders while maintaining the company’s regular quarterly dividend framework.
Esquire Financial Holdings, Inc. reported that director Joseph Melohn resigned from the company’s board and all committee and affiliate positions effective January 28, 2026, to focus on other professional and personal commitments. The company stated that his resignation did not result from any disagreement with Esquire or its affiliates.
Following his departure, the size of the board of directors was reduced from ten to nine members, keeping the remaining structure intact. The company expressed appreciation for Mr. Melohn’s service, and his resignation letter was filed as an exhibit to this report.
Esquire Financial Holdings, Inc., the holding company for Esquire Bank, filed a current report to share its latest performance information. The company issued a press release announcing its earnings for the fourth quarter and full year 2025, which is provided as Exhibit 99.1. Esquire Financial is also making an investor presentation available to investors and on its website, furnished as Exhibit 99.2 under Regulation FD. Both exhibits are described as “furnished” rather than “filed,” which limits how they are treated for certain securities law liabilities and future SEC filings.
Esquire Financial Holdings, Inc. declared a regular quarterly dividend of $0.175 per share. The dividend is payable on December 1, 2025 to stockholders of record as of November 14, 2025. This reflects the company’s ongoing capital return through routine cash dividends.
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.
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.