Esquire Financial Q2 net income up 9.2% to $13.0M; adjusted EPS $1.60; Signature merger closing Aug 1

Esquire Financial Holdings, Inc.

Net income $13.0M ($1.49 diluted EPS) vs $11.9M ($1.38) in Q2 2025; adjusted net income $14.0M ($1.60 EPS) excluding $1.1M merger costs.
Loans grew $87.2M linked quarter to $1.90B; deposits grew $77.1M to $2.18B; net interest margin 5.96%.
Signature Bancorporation merger received all regulatory approvals; closing expected August 1, 2026.
Nonperforming loans $5.1M (0.27% of loans); $4.4M multifamily loan placed on nonaccrual with $1.6M charge-off.
Adjusted ROAA 2.25%, ROAE 18.33%; efficiency ratio 50.1% (adjusted 47.6%).

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