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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 reported that its stockholders approved the issuance of Esquire common stock to holders of Signature Bancorporation, Inc. common stock in connection with the proposed merger. The vote passed at a special meeting where 6,586,054 shares were represented, constituting a quorum.
The meeting used an April 29, 2026 record date with 8,639,431 shares outstanding as of that date. The company and Signature issued joint press releases announcing the final exchange ratio and the meeting 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. issued a joint press release on June 9, 2026 announcing receipt of all regulatory approvals related to the merger of Signature with and into Esquire. The filing states a registration statement on Form S-4 has been filed and a joint proxy statement/prospectus was mailed on May 11, 2026 seeking required shareholder approvals. The press release is filed as Exhibit 99.1 and is incorporated by reference. The report includes customary forward-looking statements and directs readers to the Form S-4 and joint proxy statement/prospectus for detailed terms and risks.
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. 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, Inc. and Signature Bancorporation, Inc. have agreed to combine in a triangular two-step merger under an Agreement and Plan of Merger dated March 11, 2026. Signature shareholders will receive 2.630 shares of Esquire common stock per Signature share, subject to adjustment between 2.500 and 2.800 based on proceeds from the disposition of four Schedule A loans (aggregate ~$70M). As of the statement date, two Schedule A loans (aggregate principal $30.3M) were sold for aggregate proceeds of $12.6M (≈42% recovery), producing a maximum obtainable exchange ratio of 2.715. Esquire estimates issuing approximately 3.76 million shares to former Signature shareholders, who would own about 30% of Esquire post-closing; existing Esquire holders would own about 70%. Special meetings of Signature and Esquire stockholders are scheduled for June 23, 2026 to vote on the merger and related proposals. The merger is expected to qualify as a tax-free reorganization for U.S. federal income tax purposes for Signature shareholders, subject to the legal opinions required by the agreement.