Esquire Financial Q4 net income $11.8M ($1.37 EPS), full-year record $43.7M ($5.14 EPS)

Esquire Financial Holdings, Inc.

2024-FY EPS reported $5.14

Net income rose 19% YoY to $11.8M in Q4 2024; full-year net income increased 7% to $43.7M.
Net interest margin was 5.87% for Q4 and 6.06% for full-year 2024, with revenue of $124.8M.
Commercial loans grew $99.6M (31% annualized) on a linked-quarter basis; total loans $1.40B.
Core deposits increased $105.9M (28% annualized) on a linked-quarter basis to $1.63B.
Nonperforming loan ratio at 0.58% of total assets; allowance for credit losses at 1.50% of loans.

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