{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-010112","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.412025+00:00","generated_at":"2026-05-31T16:16:39.302192+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Esquire Financial Q2 net income $10.5M ($1.25 EPS); NIM 6.19%, ROAA 2.58%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-010112","json":"https://secwatch.observer/filing/0001558370-24-010112.json","markdown":"https://secwatch.observer/filing/0001558370-24-010112.md","text":"https://secwatch.observer/filing/0001558370-24-010112.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000155837024010112/0001558370-24-010112-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000155837024010112/esq-20240725x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:16:39.302192+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}