Esquire Financial Holdings, Inc. filed its Form 10-Q with the U.S. Securities and Exchange Commission on August 10, 2026, covering the quarterly period ended June 30, 2026, and reporting net income of $12,978 thousand for the second quarter.

Key Highlights

  • Net income: $12,978 thousand for the three months ended June 30, 2026, up from $11,890 thousand in the same period of 2025, according to the filing.
  • Diluted EPS: $1.49 for Q2 2026, compared with $1.38 for Q2 2025, as reported in the consolidated statements of income.
  • Total assets: $2,511,018 thousand as of June 30, 2026, versus $2,365,661 thousand as of December 31, 2025.
  • Loans held for investment: $1,902,271 thousand as of June 30, 2026, compared with $1,758,427 thousand at December 31, 2025.
  • Net interest income: $35,748 thousand for Q2 2026, up from $29,254 thousand for Q2 2025.
  • Merger expenses: $1,070 thousand in Q2 2026 and $2,342 thousand for the six months ended June 30, 2026, with no comparable expense reported in the prior-year periods.
  • Shares outstanding: 12,104,583 shares of common stock as of August 1, 2026, per the filing's cover page.

Esquire Financial Holdings Q2 2026: Income Growth and Balance Sheet Expansion

According to the filing, Esquire Financial Holdings, Inc. (Nasdaq: ESQ) reported net income of $12,978 thousand for the three months ended June 30, 2026, compared with $11,890 thousand for the same quarter in 2025. For the six months ended June 30, 2026, net income was $25,189 thousand versus $23,297 thousand in the prior-year period. Basic earnings per share were $1.57 for Q2 2026 and $3.05 for the first half of 2026, compared with $1.48 and $2.91, respectively, in the year-earlier periods.

The company disclosed total interest income of $41,301 thousand for Q2 2026, up from $33,536 thousand in Q2 2025, driven primarily by loan interest income of $36,417 thousand versus $28,762 thousand a year earlier. Total interest expense was $5,553 thousand for the quarter, resulting in net interest income of $35,748 thousand. The provision for credit losses was $2,900 thousand for Q2 2026, compared with $3,525 thousand in Q2 2025. The allowance for credit losses stood at $24,724 thousand as of June 30, 2026, up from $24,022 thousand at December 31, 2025.

On the balance sheet, the filing reported total deposits of $2,179,693 thousand as of June 30, 2026, compared with $2,063,007 thousand at year-end 2025, with savings, NOW and money market deposits comprising $1,621,790 thousand of that total. Total stockholders' equity was $313,850 thousand at June 30, 2026, versus $289,598 thousand at December 31, 2025. The filing also disclosed merger expenses of $1,070 thousand for Q2 2026 and $2,342 thousand for the first six months of 2026, with no such expenses recorded in the comparable prior-year periods. Noninterest expense totaled $21,105 thousand for Q2 2026, up from $17,062 thousand in Q2 2025.

What Was Disclosed

Esquire Financial Holdings filed its quarterly report for the period ended June 30, 2026, disclosing second-quarter and year-to-date income statements, balance sheet data, and the emergence of merger-related expenses totaling $2,342 thousand through June 30, 2026.