---
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"
generated_at: "2026-06-13T03:06:21.779408+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Esquire Financial Q2 net income $9.1M, up 43% YoY; loan growth drives NIM 6.02%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-012191
- JSON: https://secwatch.observer/filing/0001558370-23-012191.json
- Plain text: https://secwatch.observer/filing/0001558370-23-012191.txt

## Key facts
- Earnings Releases
  Esquire Financial Holdings, Inc. reported the quarter ended June 30, 2023 results: net income $9.1 million, EPS $1.10 per diluted share.
  - Period: the quarter ended June 30, 2023
  - Net income: $9.1 million
  - EPS: $1.10 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1531031/000155837023012191/0001558370-23-012191-index.htm

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