{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-000330","form_type":"8-K","ticker":"ESQ","cik":"0001531031","company_name":"Esquire Financial Holdings, Inc.","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.912162+00:00","generated_at":"2026-05-27T14:06:15.180926+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Esquire Financial Q4 net income $11.8M ($1.37 EPS), full-year record $43.7M ($5.14 EPS)","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-000330","json":"https://secwatch.observer/filing/0001558370-25-000330.json","markdown":"https://secwatch.observer/filing/0001558370-25-000330.md","text":"https://secwatch.observer/filing/0001558370-25-000330.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1531031/000155837025000330/0001558370-25-000330-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1531031/000155837025000330/esq-20250123x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T14:06:15.180926+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"}