---
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"
generated_at: "2026-05-27T14:06:15.180926+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000330
- JSON: https://secwatch.observer/filing/0001558370-25-000330.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000330.txt

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