---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-086092"
form_type: "8-K"
ticker: "ESQ"
cik: "0001531031"
company_name: "Esquire Financial Holdings, Inc."
filed_at: "2026-07-23T12:30:30+00:00"
generated_at: "2026-07-23T12:35:25.163587+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%).

## SEC filing metadata
- accession: 0001104659-26-086092
- form_type: 8-K
- ticker: ESQ
- cik: 0001531031
- company_name: Esquire Financial Holdings, Inc.
- filed_at: 2026-07-23T12:30:30+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1531031/000110465926086092/0001104659-26-086092-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1531031/000110465926086092/esq-20260723x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-086092
- JSON: https://secwatch.observer/filing/0001104659-26-086092.json
- Plain text: https://secwatch.observer/filing/0001104659-26-086092.txt

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