{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-000506","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.419472+00:00","generated_at":"2026-06-20T09:28:13.067453+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.78,"calibrated_materiality_score":0.78,"confidence":"high","headline":"Esquire Financial posts record Q4 net income $9.1M ($1.10 EPS); loans up 33% annualized","bullets":["Q4 net income $9.1M ($1.10 diluted EPS), up 18% linked quarter; full year $28.5M ($3.47), up 59% YoY.","Net interest margin expanded to 5.81% from 5.18% linked quarter on variable-rate commercial loan growth and rate hikes.","Loan portfolio grew $72.2M linked quarter (33% annualized) to $947.3M; nonperforming loans at 0.00%.","Deposits increased $40.8M linked quarter to $1.2B; cost of funds 0.25% including demand deposits.","Payment processing fee income $5.7M, processing $7.3B in volume across 140M transactions."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-000506","json":"https://secwatch.observer/filing/0001558370-23-000506.json","markdown":"https://secwatch.observer/filing/0001558370-23-000506.md","text":"https://secwatch.observer/filing/0001558370-23-000506.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000155837023000506/0001558370-23-000506-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000155837023000506/esq-20230125x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T09:28:13.067453+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":[{"claim_id":"cc44c870ffc4a9cdfd943977878609eb70d6649c","claim":"Esquire Financial Holdings, Inc. reported financial results for quarter and year ended December 31, 2022.","evidence_excerpt":"On January 25, 2023, Esquire Financial Holdings, Inc. (the “Company”), the holding company for Esquire Bank, National Association (“Esquire Bank”), issued a press release announcing its earnings for the quarter and year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1531031/000155837023000506/0001558370-23-000506-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter and year ended December 31, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}