{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-016598","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2023-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.398858+00:00","generated_at":"2026-06-09T16:37:57.849625+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Esquire Financial Q3 net income up 28% to $9.8M, EPS $1.17, driven by loan growth and NIM expansion","bullets":["Net interest income rose 39.7% to $21.7M; net interest margin expanded to 6.19% from 5.18% YoY.","Total loans grew $57.7M linked quarter to $1.1B; commercial loans up 38.3% YoY.","No nonperforming loans at quarter-end; allowance to loans ratio 1.38%.","Return on average assets 2.71% and return on average equity 21.44%.","Efficiency ratio improved to 48.7% from 49.3% YoY despite investment in personnel."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-016598","json":"https://secwatch.observer/filing/0001558370-23-016598.json","markdown":"https://secwatch.observer/filing/0001558370-23-016598.md","text":"https://secwatch.observer/filing/0001558370-23-016598.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000155837023016598/0001558370-23-016598-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000155837023016598/esq-20231023x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T16:37:57.849625+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":"f46ae6540263f3644d1a963cebe45951ec4ad399","claim":"Esquire Financial Holdings, Inc. reported the quarter ended September 30, 2023 results: net income $9.8 million, EPS $1.17 per diluted share.","evidence_excerpt":"On October 23, 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 September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1531031/000155837023016598/0001558370-23-016598-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$9.8 million"},{"label":"EPS","value":"$1.17 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"}