Esquire Financial Holdings, Inc. · NASDAQ:ESQ
Esquire Financial — Q3 2026 Earnings Presentation
25 slides from Esquire Financial's earnings presentation, October 2026
Slide 1: Ensuring our Clients and Our Institution Succeed Boldly
Ensuring our Clients and Our Institution Succeed Boldly Esquire Financial Holdings, Inc. (Financial Holding Company for Esquire Bank, N.A.) 3Q 2026 Investor Presentation Listed as ESQ
Slide 2: Forward Looking Disclosure
Forward Looking Disclosure This presentation includes “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 relating to future results of the Company. Forward-looking statements are subject to many risks and uncertainties, including, but not limited
Slide 3: Signature Merger Highlights – Closed August 1, 2026
How Our Clients Succeed Boldly Signature Merger Highlights – Closed August 1, 2026 Strategically Lower-Risk A premier Chicago commercial banking Compelling franchise to leverage and enhance our Merger Market expansion in the 3rd largest metro combined industry leading growth and market with mini
Slide 4: Key Diversification for the Lending Portfolio
How Esquire Succeeds Boldly Key Diversification for the Lending Portfolio * Loan portfolio yield of 7.78% for the quarter ended June 30, 2026 * Loan portfolio yield of 7.57% for the quarter ended September 30, 2026 4
Slide 5: Key Funding (Low-Cost Core Deposit) Diversification
How Esquire Succeeds Boldly Key Funding (Low-Cost Core Deposit) Diversification • Litigation related deposits represent 79% of total deposits • Litigation related deposits represent 54% of total deposits • Total cost of funds, including noninterest bearing demand, of 1.03% • Total cost of funds, inc
Slide 6: Strong Growth Driven by Unique National Verticals
How Esquire Succeeds Boldly Strong Growth Driven by Unique National Verticals at September 30, 2026 Key Highlights Strong organic growth in higher yielding variable rate commercial loans nationally complimented by Signature merger Stable low-cost “branch-lite” and tech enabled national deposit m
Slide 7: Resilient Industry Leading Net Interest Margin
How Esquire Succeeds Boldly Resilient Industry Leading Net Interest Margin Stable low-cost “branch-lite” funding model with a strong commercial deposit franchise nationally DDA and escrow-based IOLTA accounts represent 28% and 39% of total deposits at September 30, 2026, respectively Higher yi
Slide 8: Strong Revenue Growth
How Esquire Succeeds Boldly Strong Revenue Growth ($ in thousands) at September 30, 2026 Key Highlights Industry leading growth coupled with resilient net interest margin Stable payment processing fee income Growing ASP fee income derived from off-balance sheet funds coupled with Signature’s c
Slide 9: Consistent Industry Leading Performance & Growth
How Esquire Succeeds Boldly Consistent Industry Leading Performance & Growth at September 30, 2026 Industry Recognition & Awards #1 Best Law Firm Funding Provider in The Recorder’s 2026 “Best Of” survey #3 Top-performing Publicly Traded U.S. Bank in Bank Director’s 2026 RankingBanking KBW 2026
Slide 10: Loan Portfolio Diversification with Focused Growth
How Esquire Succeeds Boldly Loan Portfolio Diversification with Focused Growth at September 30, 2026 Strong growth in higher yielding variable rate commercial loans (focused in the litigation vertical) with strong credit metrics on a national basis Selective commercial real estate loan growth wi
Slide 11: Loan Portfolio Diversification with Focused Growth
How Esquire Succeeds Boldly Loan Portfolio Diversification with Focused Growth Majority of our $2.13 billion in commercial loans are variable rate and tied to prime comprising 62% of our loan portfolio Approximately 75% of our variable rate commercial loan portfolio was originated (or renewed an
Slide 12: Commercial Litigation (Law Firm) Loans
How Esquire Succeeds Boldly Commercial Litigation (Law Firm) Loans Full annual underwriting including, but not limited to: 3 years financials and tax returns (business and personal) Full contingent case inventory valuation process & collateral assignment or UCC-1 Personal guarantees for the
Slide 13: Commercial Litigation Vertical: Proven Model, Significant Runway
How Esquire Succeeds Boldly Commercial Litigation Vertical: Proven Model, Significant Runway Sustained Platform Growth… ...Through Exceptional Client Relationships Litigation customers that have banked with Esquire for four years have a CAGR, since inception of their banking relationship, on their
Slide 14: Real Estate Lending
Esquire’s Bold Opportunities Real Estate Lending A Reliable Asset Class & Source of Liquidity In NY, rent regulated, free market, and mixed (both rent regulated and free market) represent approximately one-third each of the $456 million multifamily loan portfolio • Rent regulated and mixed multifa
Slide 15: Solid Credit Metrics, Asset Quality and ACL Coverage
How Esquire Succeeds Boldly Solid Credit Metrics, Asset Quality and ACL Coverage at September 30, 2026 15 Note – All asset quality metrics are based on our loans held for investment portfolio (1) NFL consumer loan portfolio - $9.0 million charge-off.
Slide 16: Funding Diversification with Strong Growth
How Esquire Succeeds Boldly Funding Diversification with Strong Growth ($ in millions) at September 30, 2026 Our tech enabled deposit platform utilizes our commercial cash management suite of services, creating a highly efficient “branch-lite” platform nationally Our overall liquidity position (
Slide 17: Deposit Composition Details
How Esquire Succeeds Boldly Deposit Composition Details DDA and NOW (escrow or IOLTA funds) deposits total 68% of total deposits, representing a stable low-cost core funding source in various interest rate scenarios Litigation-related deposits decreased to 54% of total deposits as of September 3
Slide 18: Stable & Consistent Noninterest Income
How Esquire Succeeds Boldly Stable & Consistent Noninterest Income at September 30, 2026 Currently servicing 94,000 merchants across 50 states in our payment processing (merchant acquiring) vertical Fee income, primarily payment processing fees, represents 13% of total revenue for the quarter en
Slide 19: Protecting Our Company with Strong Payment Processing Reserves
How Esquire Succeeds Boldly Protecting Our Company with Strong Payment Processing Reserves at September 30, 2026 Key Highlights Strong and stable DDA reserves and residuals Protecting capital from merchant chargebacks and returns 19
Slide 20: Succeeding Boldly
Succeeding Boldly Contact Information: Eric S. Bader Executive Vice President & Chief Operating Officer 516-535-2002 eric.bader@esqbank.com Listed as ESQ
Slide 21: Appendix & Supplemental Disclosure Non-GAAP Reconciliation
Appendix & Supplemental Disclosure Non-GAAP Reconciliation
Slide 22: Non-GAAP Financial Measure Reconciliation
Appendix Non-GAAP Financial Measure Reconciliation (all dollars in thousands except per share data) We believe that these non-GAAP financial measures provide information that is important to investors and that is useful in understanding our financial position, results and ratios. However, these non-
Slide 23: Non-GAAP Financial Measure Reconciliation
Appendix Non-GAAP Financial Measure Reconciliation (all dollars in thousands except per share data) The following table presents a reconciliation of efficiency ratio (non-GAAP) and adjusted efficiency ratio (non-GAAP). Adjusted return on average tangible equity excludes the impact of merger expenses
Slide 24: Non-GAAP Financial Measure Reconciliation
Appendix Non-GAAP Financial Measure Reconciliation (all dollars in thousands except per share data) The following table presents a reconciliation of efficiency ratio (non-GAAP) and adjusted efficiency ratio (non-GAAP). Adjusted noninterest expense, which is used to compute the adjusted efficiency ra
Slide 25: Non-GAAP Financial Measure Reconciliation
Appendix Non-GAAP Financial Measure Reconciliation (all dollars in thousands except per share data) The following reconciles book value per common share and tangible book value per common share. Management believes that reporting the non-GAAP measures of tangible common equity and tangible assets mo
Esquire Financial Holdings — Q3 2026 Earnings Presentation on 6ix