---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-009497"
form_type: "8-K"
ticker: "ESQ"
cik: "0001531031"
company_name: "Esquire Financial Holdings, Inc."
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:15:15.204920+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0001558370-25-009497
- form_type: 8-K
- ticker: ESQ
- cik: 0001531031
- company_name: Esquire Financial Holdings, Inc.
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1531031/000155837025009497/0001558370-25-009497-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1531031/000155837025009497/esq-20250724x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009497
- JSON: https://secwatch.observer/filing/0001558370-25-009497.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009497.txt

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