Jericho, NY · Cert 58140 · Esquire Financial Holdings Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #56 of 151 inst. · $2.2B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.74% | 2.75% | 2.62% | 2.58% | 2.69% | 2.66% | 2.33% | 2.34% | -24 bps | |
| Return on Equity | 24.75% | 24.99% | 23.51% | 23.07% | 24.04% | 23.88% | 21.09% | 21.06% | -202 bps | |
| Net Interest Margin | 5.68% | 5.34% | 5.73% | 5.67% | 5.55% | 5.41% | 5.81% | 5.65% | -3 bps | |
| Efficiency Ratio | 45.32% | 44.68% | 45.37% | 44.56% | 44.49% | 44.37% | 45.31% | 45.33% | +78 bps | |
| Non-Interest Burden | 1.78% | 1.66% | 1.91% | 1.86% | 1.83% | 1.80% | 2.03% | 1.99% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.03% | 17.41% | 18.25% | 20.08% | 22.64% | 25.29% | 24.39% | 22.32% | +224 bps | |
| Loan Growth (YoY) | 17.32% | 16.10% | 14.99% | 18.26% | 19.08% | 25.93% | 28.60% | 27.59% | +933 bps | |
| Deposit Growth (YoY) | 19.99% | 17.12% | 17.63% | 19.92% | 22.57% | 25.39% | 24.78% | 22.38% | +247 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.85% | 0.79% | 0.57% | 0.59% | 0.56% | 0.49% | 0.04% | 0.27% | -32 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.86% | 0.89% | 0.57% | 0.38% | 0.70% | 0.52% | -37 bps | |
| Allowance / Loans | 1.50% | 1.51% | 1.37% | 1.30% | 1.36% | 1.37% | 1.29% | 1.30% | 0 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 2.4x | 2.2x | 2.4x | 2.8x | 31.9x | 4.8x | +2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.60% | 11.70% | 12.01% | 12.06% | 12.00% | 11.87% | 11.85% | 11.68% | -37 bps | |
| Total Risk-Based Capital | 16.64% | 15.92% | 16.49% | 16.11% | 16.52% | 15.43% | 15.48% | 15.49% | -63 bps | |
| Equity / Assets | 11.62% | 10.90% | 11.34% | 11.28% | 11.28% | 10.98% | 11.12% | 11.16% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.79% | 84.16% | 83.00% | 82.94% | 81.41% | 84.52% | 85.55% | 86.47% | +353 bps | |
| Liquid Assets / Assets | 10.45% | 8.98% | 10.46% | 8.43% | 12.06% | 11.15% | 9.91% | 10.45% | +202 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 185.19% | 180.13% | 181.49% | n/a | n/a | |