---
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"
generated_at: "2026-06-20T09:28:13.067453+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.78
calibrated_materiality_score: 0.78
confidence: "high"
source: SEC EDGAR
---

# Esquire Financial posts record Q4 net income $9.1M ($1.10 EPS); loans up 33% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.78
- calibrated_materiality_score: 0.78
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-000506
- JSON: https://secwatch.observer/filing/0001558370-23-000506.json
- Plain text: https://secwatch.observer/filing/0001558370-23-000506.txt

## Key facts
- Earnings Releases
  Esquire Financial Holdings, Inc. reported financial results for quarter and year ended December 31, 2022.
  - Period: quarter and year ended December 31, 2022
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1531031/000155837023000506/0001558370-23-000506-index.htm

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