{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-101697","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.661831+00:00","generated_at":"2026-05-17T02:29:52.439687+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Esquire Financial Q3 net income $14.1M ($1.62 EPS), up 23.7% YoY; NIM 6.04%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-101697","json":"https://secwatch.observer/filing/0001104659-25-101697.json","markdown":"https://secwatch.observer/filing/0001104659-25-101697.md","text":"https://secwatch.observer/filing/0001104659-25-101697.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000110465925101697/0001104659-25-101697-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000110465925101697/esq-20251023x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:29:52.439687+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}