---
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"
generated_at: "2026-05-31T16:16:39.302192+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-010112
- JSON: https://secwatch.observer/filing/0001558370-24-010112.json
- Plain text: https://secwatch.observer/filing/0001558370-24-010112.txt

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