Esquire Financial Holdings, Inc. (ESQ) Form 10-Q — Aug 10, 2026
Esquire Financial Holdings (ESQ) reported Q2 2026 net income of $12.98 million, or $1.49 per diluted share, up 9% from $11.89 million, or $1.38, a year earlier, powered by 22% growth in net interest income to $35.7 million and a 5.96% net interest margin. Returns stayed strong at 2.09% ROA and 17.06% ROE with a 50.1% efficiency ratio. The balance sheet expanded 6.1% to $2.51 billion in total assets, with loans up 8.2% to $1.90 billion and deposits up 5.7% to $2.18 billion, while credit quality improved as nonperforming assets fell to $5.1 million from $8.6 million at year-end and the allowance covered 481% of nonperforming loans.
Key figures
- Eps
- 1.49
- Net Income
- $12.98 million (Q2 2026); $25.19 million (1H 2026)
- Total Assets
- 2511018000
- Cash Position
- 242183000
- Shares Outstanding
- 12104583
- Gross Loans
- $1.90 billion, up 8.2% from December 31, 2025
- Diluted Eps Q2
- $1.49 vs $1.38 year-ago; $2.89 for 1H 2026 vs $2.70
- Total Deposits
- $2.18 billion, up 5.7% from December 31, 2025
- Merger Expenses
- $1.1 million in Q2 2026; $2.3 million for 1H 2026
- Return On Assets
- 2.09%
- Return On Equity
- 17.06%
- Efficiency Ratio
- 50.1%
- Net Interest Margin
- 5.96%
- Uninsured Deposits
- $722.4 million, 33% of total deposits
- Available Liquidity
- $1.19 billion with no outstanding borrowings
- Merger Consideration
- approximately $466 million
- Merger Exchange Ratio
- 2.671 ESQ shares per Signature share
- Net Interest Income Q2
- $35.7 million, up 22.2% YoY
- Nonperforming Assets
- $5.1 million, down from $8.6 million at December 31, 2025
- Combined Company Loans
- approximately $3.3 billion
- Combined Company Assets
- approximately $4.8 billion
- Litigation Related Loans
- $1.30 billion, 68.2% of total loans
- Combined Company Deposits
- approximately $4.0 billion
- Allowance For Credit Losses
- $24.7 million, 1.30% of total loans; 481% of nonperforming loans
- Quarterly Dividend Per Share
- $0.20 vs $0.175 year-ago
- Provision For Credit Losses Q2
- $2.9 million vs $3.5 million year-ago
Price after filing
Close on the filing date to close N calendar days later (from $129.03). Historical, not a forecast.
AI analysis
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