{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-015303","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2022-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.045499+00:00","generated_at":"2026-06-23T01:17:25.893720+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Esquire Financial Q3 net income $7.7M ($0.94 EPS); ROAA 2.48%, NIM 5.18%","bullets":["Net income of $7.7M, up 21% linked quarter; diluted EPS $0.94 vs $0.78 in Q2 2022.","Return on avg assets 2.48% and return on avg equity 20.60%.","Net interest margin 5.18%; loan portfolio $875.1M, up $15.8M linked quarter.","Deposits $1.2B, up $32M linked quarter; nonperforming loans 0.67% of total loans.","Payment processing fee income $5.5M on $7.3B volume across 75,000 merchants."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-015303","json":"https://secwatch.observer/filing/0001558370-22-015303.json","markdown":"https://secwatch.observer/filing/0001558370-22-015303.md","text":"https://secwatch.observer/filing/0001558370-22-015303.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000155837022015303/0001558370-22-015303-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000155837022015303/esq-20221025x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:17:25.893720+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}