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

Deposit mix

NIM

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

Earnings: ROA of 2.34%, down 21 bps year over year; NIM at 5.79%.
Asset quality: problem loans at 0.27% of loans (-32 bps YoY), with net charge-offs at 0.36%.

Return on Assets (quarter, annualized)

2.34%-21 bps YoY

Net Interest Margin (quarter, annualized)

5.79%-4 bps YoY

Efficiency Ratio (quarter, annualized)

45.35%+157 bps YoY

Tier 1 Leverage Ratio

11.68%-37 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	2.55%	2.92%	2.61%	2.33%	2.34%	-21 bps
Return on Equity	22.59%	25.86%	23.46%	21.09%	21.04%	-155 bps
Net Interest Margin	5.84%	5.91%	5.93%	5.81%	5.79%	-4 bps
Efficiency Ratio	43.78%	44.36%	44.06%	45.31%	45.35%	+157 bps
Non-Interest Burden	1.88%	1.98%	2.01%	2.03%	2.06%	+19 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 / Loans	0.59%	0.56%	0.49%	0.04%	0.27%	-32 bps
Net Charge-Offs / Loans	0.96%	0.01%	0.00%	0.70%	0.36%	-60 bps
Allowance / Loans	1.30%	1.36%	1.37%	1.29%	1.30%	0 bps
Allowance Coverage of NPLs	2.2x	2.4x	2.8x	31.9x	4.8x	+2.6x
Capital
Tier 1 Leverage Ratio	12.06%	12.00%	11.87%	11.85%	11.68%	-37 bps
Total Risk-Based Capital	16.11%	16.52%	15.43%	15.48%	15.49%	-63 bps
Equity / Assets	11.28%	11.28%	10.98%	11.12%	11.16%	-12 bps
Liquidity & Funding
Loans / Deposits	82.94%	81.41%	84.52%	85.55%	86.47%	+353 bps
Liquid Assets / Assets	8.43%	12.06%	11.15%	9.91%	10.45%	+202 bps
CRE / Total Capital	n/a	185.19%	180.13%	181.49%	n/a	n/a