---
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"
generated_at: "2026-05-30T10:27:17.970014+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-013569
- JSON: https://secwatch.observer/filing/0001558370-24-013569.json
- Plain text: https://secwatch.observer/filing/0001558370-24-013569.txt

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