secwatch.observer — SEC 8-K summary
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Issuer:     Esquire Financial Holdings, Inc. (ESQ)
CIK:        0001531031
Form:       8-K
Filed at:   2022-07-25T23:59:59+00:00
Accession:  0001558370-22-010964
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1531031/000155837022010964/0001558370-22-010964-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1531031/000155837022010964/esq-20220725x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-22-010964

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