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Esquire Financial Holdings (ESQ) investor relations material
Esquire Financial Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income rose 13–13.4% year-over-year to $11.9 million for Q2 2025, driven by strong loan and deposit growth, especially in commercial and litigation-related lending.
Maintained a branchless, tech-enabled model with industry-leading net interest margin and efficiency ratio.
Recognized for performance and innovation by Fortune, KBW, Raymond James, S&P Global, and ANA B2 Awards.
Asset quality remained strong, with nonperforming assets declining and allowance for credit losses at 1.30% of loans.
Deposit base is highly stable and low-cost, with 99.7% core deposits and significant off-balance sheet sweep funds supporting liquidity.
Financial highlights
Net interest margin reached 6.03% for Q2 2025, among the highest in the industry.
Net interest income increased 20.3% year-over-year to $29.3 million for Q2.
Diluted EPS for Q2 2025 was $1.38, with a 33% CAGR since 2020.
Total revenue for the quarter was $35.8 million, with payment processing income representing 17–18% of total revenue.
Noninterest expense rose 12% to $17.1 million, mainly due to higher compensation, professional services, and technology investments.
Outlook and guidance
Management expects continued growth in national litigation and payment processing verticals, leveraging technology and relationship banking.
The company is well-positioned for future growth with a highly liquid, unlevered balance sheet and strong capital ratios.
Technology and AI-driven client acquisition expected to fuel future expansion.
Recent federal tax law changes are being evaluated for future impact; no immediate effect on Q2 results.
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Next Esquire Financial Holdings earnings date
Q3 202524 Oct, 2025
Next Esquire Financial Holdings earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
Esquire Financial Holdings, Inc. operates as a bank holding company through its subsidiary, Esquire Bank, National Association, specializing in commercial banking products and services targeted towards the legal industry, small businesses, and commercial and retail customers across the United States. Its offerings encompass a variety of banking products including checking, savings, money market, and time deposits, alongside certificates of deposit. Esquire Financial Holdings provides a suite of loan services, such as commercial loans for operating needs, commercial lines of credit, consumer loans for various personal needs including debt consolidation and medical expenses, and real estate loans covering multifamily, residential, commercial real estate, and construction projects. Additionally, the company offers merchant services. The company is headquartered in Jericho, New York, and its shares are listed on the Nasdaq.
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