Esquire Financial Q3 net income $11.4M ($1.34 EPS), up 15.5% YoY; ROAA 2.62%

Esquire Financial Holdings, Inc.

2024-Q3 EPS reported $3.78

Net income $11.4M ($1.34 diluted EPS) vs $9.8M ($1.17) in Q3 2023; linked quarter up 8.3%.
Net interest income $25.9M (+19% YoY); net interest margin 6.16%.
Total loans $1.30B, +$36.4M linked quarter (12% annualized); commercial litigation loans +$59.1M (35% annualized).
Deposits $1.54B, +$49.5M linked quarter (13% annualized); deposit cost of funds 0.88%.
Efficiency ratio 48.1%; CET1 15.39%; one NPL of $10.9M (0.61% of assets).

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