---
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"
generated_at: "2026-05-17T02:29:52.439687+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101697
- JSON: https://secwatch.observer/filing/0001104659-25-101697.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101697.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.