Esquire Financial (US:ESQ)2025-10-23 12:30Financial Performance & Metrics - The company's adjusted Return on Average Assets (ROA) was 2.37%[12,32] - The adjusted Return on Tangible Common Equity (ROTCE) reached 18.89%[12,32] - The company boasts an industry-leading Net Interest Margin (NIM) of 6.04%[15] - The efficiency ratio is strong at 48.9%[15] Loan & Deposit Portfolio - Approximately 90% of the company's variable rate commercial loan portfolio has interest rate floors in place[26,41] - Commercial loans, substantially all variable rate, total $1.05 billion, representing approximately 68% of the loan portfolio[41] - DDA and escrow-based NOW/IOLTA accounts represent 32% and 55% of total deposits, respectively[26] - Litigation and payment processing deposits account for 76% and 8% of total deposits, respectively[59] Revenue & Fee Income - Fee income, primarily from payment processing, constitutes 17% of total revenue[16,63] - The company's payment processing vertical services 93,000 merchants nationally[16,63] Market Opportunity - The litigation vertical represents a $529 billion total addressable market[67,78] - The payment processing vertical represents a $11.7 trillion market[67,83]