Esquire Financial Holdings, Inc. (ESQ) financial statements: income statement, balance sheet and cash flow
Esquire Financial Holdings, Inc.'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), Esquire Financial Holdings, Inc. reported net income of $65.7M (+10.7% year on year).
Income statement
Esquire Financial Holdings, Inc. income statement, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Loans held for investment
$119.6M
$98.5M
$81.2M
$54.0M
Securities, includes restricted stock
$12.6M
$8.6M
$5.0M
$4.2M
Interest earning cash and other
$7.2M
$6.3M
$4.2M
$1.6M
Total interest income
$139.4M
$113.4M
$91.9M
$61.0M
Savings, NOW and money market deposits
$17.7M
$12.9M
$7.6M
$1.5M
Time deposits
$280.0K
$551.0K
$476.0K
$155.0K
Borrowings
$4.0K
$4.0K
$4.0K
$4.0K
Total interest expense
$17.9M
$13.4M
$8.1M
$1.6M
Net interest income
$121.5M
$99.9M
$83.8M
$59.3M
Provision for credit losses
$9.7M
$4.7M
$4.5M
—
Net interest income after provision for credit losses
$111.8M
$95.2M
$79.2M
$55.9M
Payment processing fees
$20.2M
$20.9M
$22.3M
—
Administrative service income
$3.0M
$2.7M
$2.5M
—
Net gain on equity investments
$432.0K
—
$4.0M
—
Customer related fees, service charges and other
$1.4M
$1.3M
$955.0K
—
Total noninterest income
$25.1M
$24.9M
$29.8M
$24.9M
Employee compensation and benefits
$42.3M
$37.8M
$32.5M
$25.8M
Occupancy and equipment
$4.9M
$4.1M
$3.4M
$3.2M
Professional and consulting services
$5.5M
$3.8M
$5.4M
$3.4M
FDIC and regulatory assessments
$1.1M
$943.0K
$793.0K
$558.0K
Advertising and marketing
$3.6M
$3.5M
$1.8M
$1.5M
Travel and business relations
$1.6M
$966.0K
$985.0K
$566.0K
Data processing
$8.5M
$6.7M
$5.2M
$4.2M
Other operating expenses
$3.7M
$3.0M
$3.1M
$2.8M
Total noninterest expense
$71.2M
$60.8M
$53.1M
$42.0M
Net income before income taxes
$65.7M
$59.3M
$55.9M
$38.8M
Income tax expense
$14.8M
$15.6M
$14.9M
$10.3M
Net income
$50.8M
$43.7M
$41.0M
$28.5M
Basic
$6.30
$5.58
$5.31
$3.73
Diluted
$5.87
$5.14
$4.91
$3.47
Esquire Financial Holdings, Inc. income statement, quarters
Line item
Jun 30, 2026 · Q2
Mar 31, 2026 · Q1
Sep 30, 2025 · Q3
Jun 30, 2025 · Q2
Loans held for investment
$36.4M
$34.3M
$30.8M
$28.8M
Securities, includes restricted stock
$3.0M
$3.2M
$3.2M
$3.1M
Interest earning cash and other
$1.8M
$1.6M
$2.0M
$1.6M
Total interest income
$41.3M
$39.0M
$36.1M
$33.5M
Savings, NOW and money market deposits
$5.5M
$5.0M
$4.7M
$4.2M
Time deposits
$50.0K
$67.0K
$52.0K
$56.0K
Borrowings
$1.0K
$5.0K
$1.0K
$1.0K
Total interest expense
$5.6M
$5.0M
$4.8M
$4.3M
Net interest income
$35.7M
$34.0M
$31.3M
$29.3M
Provision for credit losses
$2.9M
$2.7M
$1.8M
$3.5M
Net interest income after provision for credit losses
$32.8M
$31.3M
$29.6M
$25.7M
Payment processing fees
$5.1M
$5.1M
$5.1M
$5.1M
Administrative service income
$1.1M
$1.1M
$731.0K
$643.0K
Customer related fees, service charges and other
$165.0K
$175.0K
$433.0K
$827.0K
Total noninterest income
$6.4M
$6.5M
$6.2M
$6.6M
Employee compensation and benefits
$12.6M
$12.2M
$10.9M
$10.2M
Occupancy and equipment
$1.3M
$1.3M
$1.2M
$1.2M
Professional and consulting services
$1.0M
$973.0K
$1.5M
$1.3M
FDIC and regulatory assessments
$327.0K
$303.0K
$284.0K
$293.0K
Advertising and marketing
$1.0M
$998.0K
$974.0K
$811.0K
Travel and business relations
$271.0K
$306.0K
$488.0K
$303.0K
Data processing
$2.4M
$2.4M
$2.3M
$2.1M
Merger expenses
$1.1M
$1.3M
—
—
Other operating expenses
$1.0M
$959.0K
$866.0K
$920.0K
Total noninterest expense
$21.1M
$20.7M
$18.4M
$17.1M
Net income before income taxes
$18.1M
$17.1M
$17.5M
$15.2M
Income tax expense
$5.1M
$4.9M
$3.4M
$3.4M
Net income
$13.0M
$12.2M
$14.1M
$11.9M
Basic
$1.57
$1.48
$1.74
$1.48
Diluted
$1.49
$1.40
$1.62
$1.38
Balance sheet
Esquire Financial Holdings, Inc. balance sheet, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Cash and cash equivalents
$235.9M
$126.3M
$165.2M
$164.1M
Securities available-for-sale, at fair value
$246.5M
$241.7M
$122.1M
$109.3M
Securities held-to-maturity, at cost (fair value of $55,500 and $60,931, at December 31, 2025 and December 31, 2024, respectively)
$60.2M
$68.7M
$77.0M
$78.4M
Securities, restricted, at cost
$3.2M
$3.0M
$2.9M
$2.8M
Loans held for investment
$1.8B
$1.4B
$1.2B
$947.3M
Less: allowance for credit losses
($24.0M)
($21.0M)
($16.6M)
—
Loans, net of allowance
$1.7B
$1.4B
$1.2B
$935.1M
Premises and equipment, net
$4.4M
$2.4M
$2.6M
$2.7M
Accrued interest receivable
$12.6M
$10.1M
$9.1M
$5.8M
Deferred tax assets, net
$11.1M
$13.1M
$11.6M
$9.6M
Other assets
$57.4M
$51.0M
$35.5M
$38.4M
Total assets
$2.4B
$1.9B
$1.6B
$1.4B
Demand
$576.5M
$498.0M
$473.3M
$444.3M
Savings, NOW and money market
$1.5B
$1.1B
$926.3M
$764.4M
Time
$6.2M
$14.1M
$7.8M
$19.6M
Total deposits
$2.1B
$1.6B
$1.4B
$1.2B
Accrued expenses and other liabilities
$13.1M
$13.2M
$11.0M
$9.2M
Total liabilities
$2.1B
$1.7B
$1.4B
$1.2B
Common stock, par value $0.01; authorized 15,000,000 shares; 8,708,923 and 8,473,651 shares issued, respectively; and 8,552,405 and 8,354,753 shares outstanding, respectively
87.0K
85.0K
84.0K
82.0K
Additional paid-in capital
$109.9M
$104.1M
$99.7M
$96.4M
Retained earnings
$197.8M
$152.9M
$114.3M
$77.7M
Accumulated other comprehensive loss
($8.5M)
($14.3M)
($13.2M)
($15.1M)
Treasury stock at cost (156,518 and 118,898 shares, respectively)
-9.7M
-5.7M
-2.3M
-906.0K
Total stockholders' equity
$289.6M
$237.1M
$198.6M
$158.2M
Total liabilities and stockholders' equity
$2.4B
$1.9B
$1.6B
$1.4B
Esquire Financial Holdings, Inc. balance sheet, quarters
Line item
Jun 30, 2026
Mar 31, 2026
Sep 30, 2025
Jun 30, 2025
Cash and cash equivalents
$242.2M
$222.2M
$240.8M
$163.0M
Securities available-for-sale, at fair value
$240.1M
$258.0M
$265.1M
$257.4M
Securities held-to-maturity, at cost (fair value of $51,111 and $55,500, at June 30, 2026 and December 31, 2025, respectively)
$56.1M
$58.3M
$62.3M
$64.5M
Securities, restricted, at cost
$3.2M
$3.2M
$3.2M
$3.2M
Loans held for investment
$1.9B
$1.8B
$1.5B
$1.5B
Less: allowance for credit losses
($24.7M)
($23.5M)
($21.1M)
($19.4M)
Loans, net of allowance
$1.9B
$1.8B
$1.5B
$1.5B
Premises and equipment, net
$4.0M
$4.2M
$4.4M
$4.2M
Accrued interest receivable
$13.6M
$13.3M
$11.7M
$11.1M
Other assets
$74.3M
$70.4M
$71.0M
$81.5M
Total assets
$2.5B
$2.4B
$2.2B
$2.1B
Demand
$552.1M
$545.9M
$605.5M
$567.2M
Savings, NOW and money market
$1.6B
$1.5B
$1.3B
$1.2B
Time
$5.8M
$14.4M
$6.1M
$6.1M
Total deposits
$2.2B
$2.1B
$1.9B
$1.8B
Accrued expenses and other liabilities
$17.5M
$17.3M
$25.6M
$14.1M
Total liabilities
$2.2B
$2.1B
$1.9B
$1.8B
Common stock, par value $0.01; authorized 15,000,000 shares; 8,807,258 and 8,708,923 shares issued, respectively; and 8,649,400 and 8,552,405 shares outstanding, respectively
88.0K
88.0K
87.0K
86.0K
Additional paid-in capital
$113.9M
$112.0M
$108.5M
$106.8M
Retained earnings
$219.5M
$208.3M
$185.8M
$173.3M
Accumulated other comprehensive loss
($9.8M)
($9.4M)
($9.5M)
($10.9M)
Treasury stock at cost (157,858 and 156,518 shares, respectively)
-9.8M
-9.7M
-5.7M
-5.7M
Total stockholders' equity
$313.9M
$301.3M
$279.2M
$263.6M
Total liabilities and stockholders' equity
$2.5B
$2.4B
$2.2B
$2.1B
Cash flow statement
Esquire Financial Holdings, Inc. cash flow statement, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Net income
$50.8M
$43.7M
$41.0M
$28.5M
Provision for credit losses
$9.7M
$4.7M
$4.5M
—
Depreciation and amortization of premises and equipment
$1.2M
$880.0K
$707.0K
$703.0K
Stock compensation expense
$5.0M
$3.8M
$3.2M
$2.4M
Net gain on equity investments
($432.0K)
—
($4.0M)
—
Deferred tax benefit
$20.0K
($1.1M)
—
—
Securities
$469.0K
$430.0K
$429.0K
$537.0K
Loans
($109.0K)
($484.0K)
($1.3M)
($1.1M)
Right of use asset
$748.0K
$572.0K
$567.0K
$466.0K
Software
$1.7M
$1.8M
$1.3M
$1.4M
Accrued interest receivable
($2.5M)
($994.0K)
($3.4M)
($1.6M)
Other assets
($6.5M)
($11.1M)
$794.0K
$3.2M
Operating lease liability
($890.0K)
($721.0K)
($627.0K)
($561.0K)
Accrued expenses and other liabilities
$669.0K
$698.0K
$1.7M
$2.7M
Net cash provided by operating activities
$59.8M
$42.2M
$42.4M
$38.8M
Net change in loans
($367.9M)
($189.5M)
($259.2M)
($162.1M)
Purchases of securities available-for-sale
($47.6M)
($157.9M)
($22.8M)
($1.7M)
Principal repayments on securities available-for-sale
$50.3M
$36.4M
$12.2M
$20.8M
Principal repayments on securities held-to-maturity
$8.4M
$8.2M
$7.3M
$5.6M
Purchases of securities, restricted
($139.0K)
($106.0K)
—
—
Proceeds from equity investment
$1.2M
$1.5M
$6.7M
—
Purchase of equity investment
($700.0K)
($3.8M)
—
—
Purchases of premises and equipment
($3.2M)
($714.0K)
($605.0K)
($73.0K)
Development of capitalized software
($2.4M)
($2.4M)
($2.4M)
($1.2M)
Net cash used in investing activities
($362.1M)
($308.3M)
($215.4M)
($221.5M)
Net increase in deposits
$420.8M
$234.9M
$179.1M
$199.8M
Decrease in borrowings
($2.0K)
($2.0K)
($2.0K)
($2.0K)
Exercise of stock options, net of repurchases
$887.0K
$505.0K
$110.0K
$333.0K
Tax withholding payments for vested equity awards
($4.0M)
($3.4M)
($1.1M)
($339.0K)
Cash dividends paid to common stockholders
($5.9M)
($4.8M)
($3.7M)
($2.1M)
Net cash provided by financing activities
$411.8M
$227.2M
$174.1M
$197.7M
Increase (decrease) in cash and cash equivalents
$109.6M
($38.9M)
$1.1M
$15.0M
Cash and cash equivalents at beginning of the period
$126.3M
$165.2M
$164.1M
$149.2M
Cash and cash equivalents at end of the period
$235.9M
$126.3M
$165.2M
$164.1M
Interest
$18.0M
$13.4M
$8.1M
$1.6M
Taxes
$15.3M
$18.0M
$17.6M
$8.7M
Dividends declared but not paid
$106.0K
$141.0K
$175.0K
—
Esquire Financial Holdings, Inc. cash flow statement, quarters
Line item
Jun 30, 2026 · YTD
Mar 31, 2026 · Q1
Sep 30, 2025 · YTD
Jun 30, 2025 · YTD
Net income
$25.2M
$12.2M
$37.4M
$23.3M
Provision for credit losses
$5.6M
$2.7M
$6.8M
$5.0M
Depreciation and amortization of premises and equipment
$741.0K
$370.0K
$849.0K
$524.0K
Stock compensation expense
$3.7M
$2.0M
$3.6M
$2.3M
Securities
$209.0K
$112.0K
$357.0K
$248.0K
Loans
$9.0K
($30.0K)
($80.0K)
($53.0K)
Right of use asset
$371.0K
$185.0K
$563.0K
$373.0K
Software
$927.0K
$436.0K
$1.4M
$927.0K
Accrued interest receivable
($932.0K)
($665.0K)
($1.6M)
($967.0K)
Other assets
($6.1M)
($2.0M)
($8.8M)
($5.7M)
Operating lease liability
($470.0K)
($233.0K)
($670.0K)
($443.0K)
Accrued expenses and other liabilities
$4.7M
$4.4M
$3.8M
$1.2M
Net cash provided by operating activities
$34.0M
$19.5M
$43.0M
$26.3M
Net change in loans
($148.8M)
($59.8M)
($156.5M)
($117.5M)
Purchases of securities available-for-sale
($29.7M)
($29.7M)
($38.5M)
($31.1M)
Principal repayments on securities available-for-sale
$34.4M
$17.1M
$30.7M
$20.1M
Principal repayments on securities held-to-maturity
$4.0M
$1.9M
$6.3M
$4.1M
Purchases of securities, restricted
($23.0K)
—
($139.0K)
($139.0K)
Purchases of premises and equipment
($342.0K)
($180.0K)
($2.8M)
($2.3M)
Development of capitalized software
($838.0K)
($447.0K)
($2.1M)
($1.2M)
Net cash used in investing activities
($141.2M)
($71.2M)
($162.5M)
($127.4M)
Net increase in deposits
$116.7M
$39.6M
$237.2M
$140.1M
Decrease in borrowings
($1.0K)
($1.0K)
($2.0K)
($1.0K)
Exercise of stock options, net of repurchases
$262.0K
$111.0K
$875.0K
$480.0K
Tax withholding payments for vested equity awards
($153.0K)
—
—
—
Cash dividends paid to common stockholders
($3.3M)
($1.7M)
($4.2M)
($2.8M)
Net cash provided by financing activities
$113.5M
$38.0M
$233.9M
$137.8M
Increase (decrease) in cash and cash equivalents
$6.3M
($13.7M)
$114.4M
$36.6M
Cash and cash equivalents at beginning of the period