---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-010964"
form_type: "8-K"
ticker: "ESQ"
cik: "0001531031"
company_name: "Esquire Financial Holdings, Inc."
filed_at: "2022-07-25T23:59:59+00:00"
generated_at: "2026-06-24T09:10:42.085723+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Esquire Financial Q2 net income $6.4M ($0.78 EPS), up 19% linked quarter; ROAA 2.00%

## Summary
- Net income $6.4M ($0.78 diluted EPS) vs $5.3M ($0.57) in Q1 2022 and $4.5M ($0.57) in Q2 2021.
- Net interest income rose 28.2% YoY to $13.7M; net interest margin 4.46%.
- Loan portfolio grew $41.3M (20% annualized) to $859.3M; 59% variable rate tied to prime.
- Deposits increased $65.6M linked quarter to $1.2B; cost of funds 0.10%.
- Announced exclusive agreement with B.E. Blank for law firm financing; added to Russell 3000/2000.

## SEC filing metadata
- accession: 0001558370-22-010964
- form_type: 8-K
- ticker: ESQ
- cik: 0001531031
- company_name: Esquire Financial Holdings, Inc.
- filed_at: 2022-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1531031/000155837022010964/0001558370-22-010964-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1531031/000155837022010964/esq-20220725x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-010964
- JSON: https://secwatch.observer/filing/0001558370-22-010964.json
- Plain text: https://secwatch.observer/filing/0001558370-22-010964.txt

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