{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-013569","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.713247+00:00","generated_at":"2026-05-30T10:27:17.970014+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Esquire Financial Q3 net income $11.4M ($1.34 EPS), up 15.5% YoY; ROAA 2.62%","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-013569","json":"https://secwatch.observer/filing/0001558370-24-013569.json","markdown":"https://secwatch.observer/filing/0001558370-24-013569.md","text":"https://secwatch.observer/filing/0001558370-24-013569.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000155837024013569/0001558370-24-013569-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000155837024013569/esq-20241024x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:27:17.970014+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"}