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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