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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