ESQ

EX-99.1

2 esq-20260423xex99d1.htm

EX-99.1

Exhibit 99.1

Esquire Financial Holdings, Inc.

Reports First Quarter 2026 Results

Strong and Consistent Growth, Earnings, and Performance Metrics Coupled with a Focused Integration of Signature Bancorporation, Inc.

Jericho, NY – April 23, 2026 – Esquire Financial Holdings, Inc. (NASDAQ: ESQ) (the “Company”), the financial holding company for Esquire Bank, National Association (“Esquire Bank” or the “Bank”), (collectively “Esquire”) today announced its operating results for the first quarter of 2026. Significant achievements and key performance metrics during the current quarter include:

●Net income increased 7.0% to $12.2 million, or $1.40 per diluted share, as compared to $11.4 million, or $1.33 per diluted share, for the comparable quarter in 2025 despite $1.7 million in elevated pretax noninterest expense related to: (1) merger expenses totaling $1.3 million related to our recently announced acquisition of Signature Bancorporation, Inc. (the parent company of Signature Bank in Chicago, collectively “Signature”); and (2) a $398 thousand charge for accelerated stock compensation related to the previously announced departures of two former Esquire board members for personal reasons. For the current quarter, adjusted(1) net income and diluted earnings per share were $13.8 million and $1.58, respectively, excluding the previously noted $1.6 million in elevated noninterest expense, net of tax.

●Consistent industry leading returns on average assets and equity of 2.10% and 16.82%, respectively, despite the $1.6 million in elevated noninterest expense, net of tax, previously noted, as well as our continued investment in current resources to support future growth and excellence in client service.  For the current quarter, adjusted(1) returns on average assets and equity were 2.37% and 18.96%, respectively, excluding the $1.6 million in elevated noninterest expense, net of tax.

●Resilient net interest margin of 6.04% driven by our national litigation platform growth, despite significant declines in short-term market interest rates from their highs in 2023. Total revenue increased $6.7 million, or 19.8%, to $40.5 million, when compared to the prior year quarter.

●Loan growth on a linked quarter basis was $56.7 million, or 13% annualized, totaling $1.82 billion, despite litigation related loan growth being tempered in the current quarter by anticipated paydowns (totaling $53.1 million) including elevated commercial loan draws from the prior linked quarter.  Loan growth was primarily comprised of both commercial totaling $30.0 million ($44.0 million in litigation related loans) and commercial real estate totaling $23.3 million. Significant average loan growth of $115.6 million, or 28% annualized, on a linked quarter basis was fueled by growth in higher yielding variable rate commercial loans from our national litigation platform. These commercial relationships will continue to create additional opportunities for future loan growth (future draws on existing facilities and additional availability on renewed lines-of-credit) as well as future growth in core deposits through our full-service commercial relationship banking programs and commercial cash management platform on a national basis. To clearly demonstrate this point, law firms or litigation clients that have banked with Esquire for four years or more have a compounded annual growth rate on their loans and related commercial deposit balances of approximately 15% and 30%+, respectively.

●Strong corresponding deposit growth on a linked quarter basis totaling $39.6 million, or 8% annualized, to $2.10 billion, despite growth being tempered by anticipated disbursements of escrow/IOLTA funds from elevated settlement funds in the prior linked quarter. Our cost-of-funds was 1.00% (including demand deposits), consistent with the prior linked quarter. Growth on a linked quarter basis was fueled by our litigation/mass tort related money market settlements nationally. Deposits grew $414.4 million, or 24.6%, when comparing the current quarter to the comparable quarter in 2025 while average total deposits grew $364.2 million, or 21.7%, for the same period. Off-balance sheet (“OBS”) sweep funds totaled $1.0 billion, with approximately 33% available for additional on-balance sheet liquidity, while the associated administrative service payments (“ASP”) fee income totaled $1.1 million for the current quarter. Additional available liquidity totaled approximately $522 million, excluding cash, OBS sweep funds, and unsecured borrowing capacity.

(1)See non-GAAP reconciliation provided at the end of this news release.

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1

●Solid credit metrics, asset quality, and reserve coverage ratios with an allowance for credit losses to loans ratio of 1.30%, a nonperforming loan totaling $736 thousand, and a nonperforming loan to total assets ratio of 0.03%. During the current quarter, Esquire foreclosed on the property securing its one nonaccru

Esquire Financial Holdings, Inc._January 22, 2026 0001531031false00015310312026-01-222026-01-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549 ​

FORM 8-K

​

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

​ Date of report (Date of earliest event reported): January 22, 2026

​ Esquire Financial Holdings, Inc. (Exact name of the registrant as specified in its charter)

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​

​

Maryland 001-38131 27-5107901

(State or other jurisdiction of incorporation or organization) (Commission File Number) (IRS Employer Identification No.)

​ ​

​

​

100 Jericho Quadrangle, Suite 100 ​ ​

Jericho, New York ​ 11753

(Address of principal executive offices) ​ (Zip Code)

​ (516) 535-2002 (Registrant’s telephone number) ​ N/A (Former name or former address, if changed since last report)

​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2. below): ​ ​

​

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4c)

​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $0.01 par value

ESQ

The Nasdaq Stock Market LLC

​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). ​ Emerging growth company ☐ ​ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

Item 2.02Results of Operations and Financial Condition. ​ On January 22, 2026, Esquire Financial Holdings, Inc. (the “Company”), the holding company for Esquire Bank, National Association (“Esquire Bank”), issued a press release announcing its earnings for the fourth quarter and full year 2025. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference. ​ The information contained in this Item 2.02 and Exhibit 99.1 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any filings made by the Company under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as expressly set forth by specific reference in such filing. ​ Item 7.01Regulation FD Disclosure. ​ Esquire Financial Holdings, Inc. (the “Company”) intends to distribute and make available to investors, and to post on its website, the written presentation attached hereto as Exhibit 99.2. The presentation is furnished in this Current Report on Form 8-K, pursuant to this Item 7.01, as Exhibit 99.2, and is incorporated herein by reference. ​ The information contained in this Item 7.01 and Exhibit 99.2 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any filings made by the Company under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as expressly set forth by specific reference in such filing. ​ Item 9.01Financial Statements and Exhibits. ​ (d) Exhibits. ​

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Exhibit No. ​ Description

99.1 ​ Press Release dated January 22, 2026.

99.2 ​ Written presentation to be distributed and made available to investors and posted on the Company’s website.

104 ​ Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101).

​ ​

SIGNATURES

​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

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ESQUIRE FINANCIAL HOLDINGS, INC.

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Dated:  January 22, 2026 By:/s/ Andrew C. Sagliocca

​ Andrew C. Sagliocca

​ Vice Chairman, Chief Executive Officer and President

​ ​ ​

Esquire Financial Holdings, Inc._October 23, 2025 0001531031false00015310312025-10-232025-10-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549 ​

FORM 8-K

​

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

​ Date of report (Date of earliest event reported): October 23, 2025

​ Esquire Financial Holdings, Inc. (Exact name of the registrant as specified in its charter)

​ -

​

​

Maryland 001-38131 27-5107901

(State or other jurisdiction of incorporation or organization) (Commission File Number) (IRS Employer Identification No.)

​ ​

​

​

100 Jericho Quadrangle, Suite 100 ​ ​

Jericho, New York ​ 11753

(Address of principal executive offices) ​ (Zip Code)

​ (516) 535-2002 (Registrant’s telephone number) ​ N/A (Former name or former address, if changed since last report)

​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2. below): ​ ​

​

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4c)

​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $0.01 par value

ESQ

The Nasdaq Stock Market LLC

​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). ​ Emerging growth company ☐ ​ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

Item 2.02Results of Operations and Financial Condition. ​ On October 23, 2025, Esquire Financial Holdings, Inc. (the “Company”), the holding company for Esquire Bank, National Association (“Esquire Bank”), issued a press release announcing its earnings for the quarter ended September 30, 2025. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference. ​ The information contained in this Item 2.02 and Exhibit 99.1 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any filings made by the Company under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as expressly set forth by specific reference in such filing. ​ Item 7.01Regulation FD Disclosure. ​ Esquire Financial Holdings, Inc. (the “Company”) intends to distribute and make available to investors, and to post on its website, the written presentation attached hereto as Exhibit 99.2. The presentation is furnished in this Current Report on Form 8-K, pursuant to this Item 7.01, as Exhibit 99.2, and is incorporated herein by reference. ​ The information contained in this Item 7.01 and Exhibit 99.2 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any filings made by the Company under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as expressly set forth by specific reference in such filing. ​ Item 9.01Financial Statements and Exhibits. ​ (d) Exhibits. ​

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Exhibit No. ​ Description

99.1 ​ Press Release dated October 23, 2025.

99.2 ​ Written presentation to be distributed and made available to investors and posted on the Company’s website.

104 ​ Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101).

​ ​

SIGNATURES

​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

​

​

ESQUIRE FINANCIAL HOLDINGS, INC.

​ ​

​ ​

​ ​

Dated:  October 23, 2025 By:/s/ Andrew C. Sagliocca

​ Andrew C. Sagliocca

​ Vice Chairman, Chief Executive Officer and President

​ ​ ​