Esquire Financial Q2 net income $10.5M ($1.25 EPS); NIM 6.19%, ROAA 2.58%

Esquire Financial Holdings, Inc.

2024-Q2 EPS reported $2.45

Q2 net income $10.5M vs $9.1M YoY; diluted EPS $1.25 vs $1.10. Total revenue $30.6M.
Net interest margin 6.19% (+17 bps YoY); ROAA 2.58%, ROAE 20.16%.
Loans grew $32.8M linked quarter to $1.26B; commercial loans +17% annualized.
Deposits +$52.8M to $1.49B; deposit cost 0.87% incl. demand; one NPL of $10.9M.
CET1 ratio 14.89%; efficiency ratio 49.8%. No exposure to office or construction loans.

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