{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-012191","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2023-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.218984+00:00","generated_at":"2026-06-13T03:06:21.779408+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Esquire Financial Q2 net income $9.1M, up 43% YoY; loan growth drives NIM 6.02%","bullets":["Net income $9.1M ($1.10 diluted EPS) vs $6.4M ($0.78) in Q2 2022, a 43% increase.","Net interest margin 6.02%; net interest income $20.1M, up 46.9% YoY.","Commercial loan growth $90.2M linked quarter to $1.1B, focused on variable-rate loans.","Payment processing fee income $5.8M, processing $8.5B in volume across 156.8M transactions.","Core deposits $1.3B, cost of funds 0.66%; uninsured deposits 26%, 85% relationship-based."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-012191","json":"https://secwatch.observer/filing/0001558370-23-012191.json","markdown":"https://secwatch.observer/filing/0001558370-23-012191.md","text":"https://secwatch.observer/filing/0001558370-23-012191.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000155837023012191/0001558370-23-012191-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000155837023012191/esq-20230725x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T03:06:21.779408+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":"86e3af91125767453075afbc13a4f9889ab7dd7c","claim":"Esquire Financial Holdings, Inc. reported the quarter ended June 30, 2023 results: net income $9.1 million, EPS $1.10 per diluted share.","evidence_excerpt":"On July 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 ended June 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1531031/000155837023012191/0001558370-23-012191-index.htm","confidence":0.8,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$9.1 million"},{"label":"EPS","value":"$1.10 per diluted share"},{"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"}