secwatch.observer — SEC 8-K summary
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Issuer:     Esquire Financial Holdings, Inc. (ESQ)
CIK:        0001531031
Form:       8-K
Filed at:   2024-07-25T23:59:59+00:00
Accession:  0001558370-24-010112
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1531031/000155837024010112/0001558370-24-010112-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1531031/000155837024010112/esq-20240725x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-24-010112

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