Esquire Financial Q2 net income up 13% to $11.9M; EPS $1.38; strong loan and deposit growth

Esquire Financial Holdings, Inc.

2025-Q2 EPS reported $2.70

Net income $11.9M ($1.38 diluted EPS) vs $10.5M ($1.25) in Q2 2024, up 13%.
Total revenue $35.8M, up 17% YoY; net interest margin 6.03% (+7 bps linked quarter).
Loans grew $78.7M linked quarter to $1.49B; commercial litigation loans up 37.3% YoY.
Deposits up $94.2M linked quarter to $1.78B; cost of deposits 0.98%.
Nonperforming loans $8.7M; $3.3M charge-off on small business loan; efficiency ratio 47.6%.

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