Esquire Financial Holdings, Inc. (ESQ)

ESQ Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	139.42	98.46	82.71	55.26	42.16
Interest Income on Investments	-	14.92	9.17	5.74	2.37
Total Interest Income	139.42	113.37	91.89	60.99	44.53
Interest Paid on Deposits	17.94	13.44	8.11	1.64	0.83
Interest Paid on Borrowings	-	0	0	0	0
Total Interest Expense	17.94	13.44	8.12	1.65	0.83
Net Interest Income	121.48	99.93	83.77	59.35	43.7
Net Interest Income Growth (YoY)	21.57%	19.29%	41.16%	35.79%	16.73%
Gain (Loss) on Sale of Investments	-	-	4.01	-	-
Other Non-Interest Income	25.08	24.9	25.74	24.84	21.32
Total Non-Interest Income	25.08	24.9	29.75	24.93	21.02
Non-Interest Income Growth (YoY)	0.74%	-16.32%	19.36%	18.55%	43.54%
Revenues Before Loan Losses	146.56	124.82	113.52	84.27	64.73
Provision for Loan Losses	9.68	4.7	4.53	3.49	6.96
Revenue	136.89	120.12	109	80.78	57.77
Revenue Growth (YoY)	13.95%	10.21%	34.93%	39.83%	26.04%
Salaries and Employee Benefits	42.31	34.01	29.26	23.33	19.78
Occupancy Expenses	-	3.34	2.51	2.6	2.23
Federal Deposit Insurance	-	0.94	0.79	0.56	0.45
Selling, General & Administrative	-	19.56	17.49	12.7	10.64
Other Non-Interest Expense	28.92	3	3.06	2.79	1.97
Total Non-Interest Expense	71.23	60.84	53.12	41.98	35.06
EBT Excluding Unusual Items	65.65	59.28	55.88	38.8	22.71
Pretax Income	65.65	59.28	55.88	38.8	22.71
Income Tax Expense	14.83	15.62	14.87	10.28	4.78
Net Income	50.82	43.66	41.01	28.52	17.93
Net Income to Common	50.82	43.66	41.01	28.52	17.93
Net Income Growth	16.41%	6.45%	43.81%	59.10%	42.06%
Basic Shares Outstanding	8	8	8	8	7
Diluted Shares Outstanding	9	8	8	8	8
Shares Change (YoY)	2.06%	1.70%	1.61%	3.36%	3.97%
EPS (Basic)	6.30	5.58	5.31	3.73	2.40
EPS (Diluted)	5.87	5.14	4.91	3.47	2.26
EPS Growth	14.20%	4.68%	41.50%	53.54%	36.97%
Dividend Per Share	0.700	0.600	0.475	0.280	-
Dividend Growth	16.67%	26.32%	69.64%	-	-
Effective Tax Rate	22.59%	26.35%	26.61%	26.50%	21.06%

Updated Jan 22, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q