---
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"
generated_at: "2026-06-09T16:37:57.849625+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Esquire Financial Q3 net income up 28% to $9.8M, EPS $1.17, driven by loan growth and NIM expansion

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-016598
- JSON: https://secwatch.observer/filing/0001558370-23-016598.json
- Plain text: https://secwatch.observer/filing/0001558370-23-016598.txt

## Key facts
- Earnings Releases
  Esquire Financial Holdings, Inc. reported the quarter ended September 30, 2023 results: net income $9.8 million, EPS $1.17 per diluted share.
  - Period: the quarter ended September 30, 2023
  - Net income: $9.8 million
  - EPS: $1.17 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1531031/000155837023016598/0001558370-23-016598-index.htm

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