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JERICHO, N.Y., Aug. 12, 2025 /PRNewswire/ -- Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the "Company"), the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank") (collectively "Esquire"), is proud to announce the grand opening of its first full service banking location in Los Angeles, California scheduled for August 18, 2025.The new location marks a milestone in Esquire's national growth strategy and underscores its commitment to the complex, fragmented and und ...

FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-38131 Esquire Financial Holdings, Inc. (Exact Name of Registrant as Specified in Its Charter) Maryland 27-5107901 (State or O ...

Core Viewpoint - Esquire Financial Holdings, Inc. has signed a new lease for a larger headquarters to support its growth and enhance employee experience [1][2][3] Group 1: New Headquarters Lease - The new headquarters lease is located at 300 Jericho Quadrangle, Jericho, New York, and covers 50,000 square feet across two floors [1] - The new space includes a private entrance, 16,000 square feet of outdoor space, and is designed to improve communication and collaboration among employees [2] Group 2: Growth and Employee Focus - The new lease nearly doubles the current office footprint, reflecting the company's commitment to employee investment and future growth [2] - The transition to the new location is expected to occur in late 2026, with a 12-year lease term [2] Group 3: Leadership Statements - The Chairman of the Board emphasized that the expansion supports the company's client-centric and tech-focused approach to growth [3] - The CEO highlighted that the new headquarters will help attract top talent and provide a state-of-the-art environment for exceptional client service [4] Group 4: Company Overview - Esquire Financial Holdings, Inc. is a financial holding company with a focus on serving the litigation industry and small businesses [5] - The company has been recognized on Fortune's 2024 Fastest-Growing Companies list, indicating strong performance and growth [5]

For the quarter ended June 2025, Esquire Financial Holdings, Inc. (ESQ) reported revenue of $35.83 million, up 17.1% over the same period last year. EPS came in at $1.38, compared to $1.25 in the year-ago quarter.The reported revenue represents a surprise of +3.69% over the Zacks Consensus Estimate of $34.56 million. With the consensus EPS estimate being $1.38, the company has not delivered EPS surprise.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and h ...

Esquire Financial Holdings, Inc. (ESQ) came out with quarterly earnings of $1.38 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $1.25 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this company would post earnings of $1.3 per share when it actually produced earnings of $1.33, delivering a surprise of +2.31%.Over the last four quarters, the company has surpassed consensus EPS estimates two times.Esquire Financ ...

Financial Performance & Metrics - The company's asset-sensitive model is anchored by law firm loans yielding approximately 9.45%[12] - The company's branchless and tech-enabled core deposit platform is funded at 0.98%[12] - The company has a strong efficiency ratio of 47.6% while investing in resources for future growth[12] - The company's equity to assets is 12.79%[19] - The company's common equity tier 1 is 14.89%[19] - The company's book value per share is $31.01[19] Business Verticals & Growth - The company has been driving loan and deposit growth with a 5 Year CAGR of approximately 20% since 2020[12] - The company's payment processing vertical has a strong growth and stable fee income with a 5 Year CAGR of 14% since 2020[13] - The company's total fee income represents 17% of total revenue[13, 57] - The company services 92,000 merchants nationally through its ISO model in the payment processing vertical[13, 60]

Exhibit 99.1 ESQUIRE FINANCIAL HOLDINGS, INC. REPORTS SECOND QUARTER 2025 RESULTS Strong Growth in Low-Cost Core Deposits Funds Commercial Loan Growth Nationally, Fueling Industry Leading Earnings & Performance Metrics Jericho, NY – July 24, 2025 – Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the "Company"), the financial holding company for Esquire Bank, National Association ("Esquire Bank" or the "Bank"), (collectively "Esquire") today announced its operating results for the second quarter of 2025. Sig ...

Core Insights - Esquire Financial Holdings, Inc. reported a 13% increase in net income to $11.9 million, or $1.38 per diluted share, for Q2 2025 compared to Q2 2024, despite increased provisions for credit losses and noninterest expenses [1][4][12] - The company achieved a net interest margin of 6.03%, reflecting a 7 basis point increase from the previous quarter, driven by the deployment of low-cost core deposits into higher yielding commercial loans [1][5] - Total revenue rose by 17% to $35.8 million in Q2 2025, supported by strong deposit growth of $94.2 million, or 22% annualized, reaching $1.78 billion [1][22] Financial Performance - Net income for the six months ended June 30, 2025, was $23.3 million, or $2.70 per diluted share, up from $20.5 million, or $2.45 per diluted share, in the same period of 2024 [12][31] - The company maintained strong returns on average assets and equity at 2.38% and 18.93%, respectively, for the first half of 2025 [12] - Noninterest income for Q2 2025 was stable at $6.6 million, with payment processing income contributing $5.1 million [7][31] Loan and Deposit Growth - Total loans increased by $78.7 million, or 22% annualized, to $1.49 billion in Q2 2025, with commercial loan growth of $211.3 million, or 27.5% [1][5][22] - Deposits grew by $295.4 million, or 19.9%, year-over-year, with significant increases in low-cost core deposits [1][22] - The loan-to-deposit ratio stood at 84% as of June 30, 2025 [5][22] Credit Quality and Risk Management - The provision for credit losses was $3.5 million for Q2 2025, reflecting a $2.5 million increase from Q2 2024, primarily due to charge-offs on a commercial loan [6][14] - Nonperforming loans totaled $8.7 million, with a nonperforming loans to total assets ratio of 0.42% [20][22] - The allowance for credit losses to loans ratio was 1.30% as of June 30, 2025, down from 1.47% a year earlier [6][20] Operational Efficiency - The efficiency ratio improved to 47.6% for Q2 2025, down from 49.8% in the prior year, despite ongoing investments in growth and technology [11][18] - Noninterest expenses increased by 12% to $17.1 million in Q2 2025, driven by higher employee compensation and professional services [10][17] Strategic Initiatives - The company plans to open a new private banking office in Los Angeles, California, to enhance its service offerings [3][10] - Esquire Financial was recognized for its performance, receiving the 2024 Raymond James Community Bankers Cup for the seventh consecutive year [1][8]

Core Insights - Esquire Financial Holdings, Inc. has been recognized by the Association of National Advertisers (ANA) B2 Awards for the third consecutive year, highlighting its innovative B2B marketing campaigns [1] - Kyall Mai, Senior Vice President and Chief Innovation Officer, was awarded Individual Marketer of the Year for his leadership and contributions to marketing in the financial services sector [2] - The company's marketing strategy focuses on building trust with contingent fee plaintiff law firms through AI-driven content marketing via its platform, LawyerIQ, reflecting a commitment to customer-focused technology [3] Company Performance - Esquire's marketing team has significantly contributed to the company's national expansion and digital-first model, enhancing engagement in new markets [4] - The company plans to open its first private banking branch in California, marking a key milestone in its national footprint expansion [5] - Esquire Financial Holdings was named to Fortune's 2024 Fastest-Growing Companies list, indicating strong financial performance and growth potential [6]