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Esquire Bank, National Association

Jericho, NY · Cert 58140 · Esquire Financial Holdings Inc.

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Esquire Bank, National Association

Jericho, NY · Cert 58140 · Esquire Financial Holdings Inc.

National charter · OCC · 3 branches

Q2 2026

$2.5BAssets
$1.9BLoans
$2.2BDeposits
$278.5MEquity
Loan mix
28%RE $0.5B70%C&I $1.3B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $1.6B26%Noninterest $0.6BQ2 2025Q2 2026

NIM

6.56%Q2 ’246.49%Q2 ’256.50%Q2 ’26-2%0%

Non-interest income vs. expense

3.36%Q2 ’243.07%Q2 ’253.03%Q2 ’26+2%+7%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #56 of 151 inst. · $2.2B of $2921.1B

2.2% Nassau
0.0% Los Angeles

Executive Summary

  • Earnings: ROA of 2.34%, down 24 bps year over year; NIM at 5.65%.
  • Asset quality: problem loans at 0.27% of loans (-32 bps YoY), with net charge-offs at 0.52%.
  • Capital: tier 1 leverage ratio of 11.68%, down 37 bps from a year ago.
  • Funding: loans stand at 86.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.34%-24 bps YoY

Net Interest Margin (YTD, annualized)

5.65%-3 bps YoY

Efficiency Ratio (YTD, annualized)

45.33%+78 bps YoY

Tier 1 Leverage Ratio

11.68%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.58%2.69%2.66%2.33%2.34%-24 bps
Return on Equity23.07%24.04%23.88%21.09%21.06%-202 bps
Net Interest Margin5.67%5.55%5.41%5.81%5.65%-3 bps
Efficiency Ratio44.56%44.49%44.37%45.31%45.33%+78 bps
Non-Interest Burden1.86%1.83%1.80%2.03%1.99%+13 bps
Growth
Asset Growth (YoY)20.08%22.64%25.29%24.39%22.32%+224 bps
Loan Growth (YoY)18.26%19.08%25.93%28.60%27.59%+933 bps
Deposit Growth (YoY)19.92%22.57%25.39%24.78%22.38%+247 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.56%0.49%0.04%0.27%-32 bps
Net Charge-Offs / Loans0.89%0.57%0.38%0.70%0.52%-37 bps
Allowance / Loans1.30%1.36%1.37%1.29%1.30%0 bps
Allowance Coverage of NPLs2.2x2.4x2.8x31.9x4.8x+2.6x
Capital
Tier 1 Leverage Ratio12.06%12.00%11.87%11.85%11.68%-37 bps
Total Risk-Based Capital16.11%16.52%15.43%15.48%15.49%-63 bps
Equity / Assets11.28%11.28%10.98%11.12%11.16%-12 bps
Liquidity & Funding
Loans / Deposits82.94%81.41%84.52%85.55%86.47%+353 bps
Liquid Assets / Assets8.43%12.06%11.15%9.91%10.45%+202 bps
CRE / Total Capitaln/a185.19%180.13%181.49%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Esquire Bank, National Association

Jericho, NY · Cert 58140 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Esquire Financial Holdings Inc.

National charter · OCC · 3 branches

Q2 2026

$2.5BAssets
$1.9BLoans
$2.2BDeposits
$278.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 1 of 36).
  • Widest gap: net charge-offs / loans trails 83% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 31 of 36).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.26%

Rank 2 of 36

Net Interest Margin

5.65%

Rank 1 of 36

Efficiency Ratio

45.33%

Rank 5 of 35

Equity / Assets

11.16%

Rank 19 of 36

Non-interest income vs. expense

$25.7M$74.8MINCOMEEXPENSE
Unfavorable gap of $49.1M · efficiency ratio beats 89% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 45.33%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.26%0.65%1.00%1.72%Beats 94%2 / 36
Return on Equity20.25%5.35%9.30%13.56%Beats 91%3 / 35
Net Interest Margin5.65%2.66%3.13%3.63%Beats 97%1 / 36
Efficiency Ratio45.33%52.19%63.09%75.14%Beats 89%5 / 35
Asset Quality
Nonperforming Loans / Loans0.27%0.46%0.84%1.59%Beats 81%8 / 36
Net Charge-Offs / Loans0.26%n/a0.03%0.14%Beats 17%31 / 36
Capital
Tier 1 Capital Ratio14.24%13.13%14.78%18.34%Beats 39%22 / 36
Total Risk-Based Capital Ratio15.49%13.73%15.96%19.27%Beats 44%20 / 36
Equity / Assets11.16%9.80%11.58%14.82%Beats 47%19 / 36
Liquidity & Funding
Loans / Deposits86.47%81.12%95.13%103.24%31st pctl25 / 36
Loans / Assets76.21%67.44%76.31%84.79%47th pctl19 / 36
Brokered Deposits / Depositsn/aNot reported for this institution