Esquire Financial Q3 net income $14.1M ($1.62 EPS), up 23.7% YoY; NIM 6.04%

Esquire Financial Holdings, Inc.

2025-Q3 EPS reported $4.32

Net income $14.1M vs $11.4M YoY; adjusted EPS $1.47 excluding $1.3M tax benefit.
Revenue $37.5M (NII $31.3M, noninterest income $6.2M); efficiency ratio 48.9%.
Loans grew $52.4M linked quarter to $1.55B; deposits up $97.1M to $1.87B.
Net interest margin 6.04% on low-cost core deposits; cost of deposits 1.03%.
New 50,000 sq-ft headquarters lease in Jericho, NY; Los Angeles flagship opened.

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