---
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"
generated_at: "2026-06-23T01:17:25.893720+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Esquire Financial Q3 net income $7.7M ($0.94 EPS); ROAA 2.48%, NIM 5.18%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-015303
- JSON: https://secwatch.observer/filing/0001558370-22-015303.json
- Plain text: https://secwatch.observer/filing/0001558370-22-015303.txt

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