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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Esquire Financial Holdings
Esquire Financial Holdings (ESQ) investor relations material
Esquire Financial Holdings Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
Signature merger closed Aug. 1, adding two months of activity to Q3 and broadening commercial banking, loan and funding sources; no material client attrition was reported.
At Sept. 30, assets were $4.75B, loans $3.425B and deposits $3.978B; litigation-related loans and deposits were 42.5% and 54% of totals.
Q3 GAAP net income was $17.482M and diluted EPS $1.57; adjusted net income was $23.619M and adjusted diluted EPS $2.12.
Financial highlights
Q3 total revenue was $61.391M, versus $42.131M in Q2 2026 and $37.572M in Q3 2025.
Q3 net interest income was $53.506M, up 70.6% YoY; noninterest income was $7.885M, including $4.865M of payment processing fees.
GAAP diluted EPS was $1.57, versus $1.49 in Q2 and $1.62 in Q3 2025; adjusted diluted EPS was $2.12, $1.60 and $1.49, respectively.
Loans rose $1.5B, or 80%, from June 30 to $3.43B, including $1.4B from Signature; organic YoY loan growth was $497M, or 32%.
Deposits rose $1.8B, or 83%, from June 30 to $3.8B; organic YoY deposit growth was $447M, or 24%.
Outlook and guidance
2027 outlook: diluted EPS of ~$9 and ~$500M loan growth from a ~$3.5B year-end starting balance, equivalent to ~14% growth.
2027 assumptions include 5.70%-5.75% NIM, $33M-$34M fee income, $138M-$140M noninterest expense and a normalized 28.5% tax rate absent discrete items.
Management expects ~14%-15% growth and ~$400M-$450M deposit growth to support loan expansion; deposits may lag loans.
Core system conversion is targeted for April 2027; integration includes management, CRM, underwriting and origination platforms, plus culture alignment.
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Latest events from Esquire Financial Holdings
- Q2 2026 net income up 9.2% year-over-year; $466M Signature merger completed, boosting scale.ESQ
Q2 2026 - Proxy covers director elections, auditor ratification, Say-on-Pay, and strong governance.ESQProxy filing
- Adjusted net income up 21% to $13.8M, with strong growth and Signature merger progress.ESQQ1 2026
- All-stock merger creates a $4.8B bank, expands into Chicago, and boosts EPS by 23%.ESQM&A announcement
- Earnings rose 16.4% to $50.8M in 2025, driven by tech-enabled growth in key verticals.ESQQ4 2025
- Director elections, auditor ratification, and Say-on-Pay vote recommended for approval.ESQProxy Filing
- Q3 2025 net income up 23.7% year-over-year, driven by strong loan and deposit growth.ESQQ3 2025
- Q2 net income up 13%, with strong loan growth, industry-leading returns, and robust liquidity.ESQQ2 2025
- Q2 2024 net income up 15% to $10.5M, with strong growth, margins, and asset quality.ESQQ2 2024
Next Esquire Financial Holdings earnings date
Q4 202622 Jan, 2027
Esquire Financial Holdings
Next Esquire Financial Holdings earnings date
Q4 202622 Jan, 2027
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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.