Esquire Financial Holdings, Inc. · NASDAQ:ESQ
Esquire Financial — Merger or Acquisition (March 2026)
21 slides from Esquire Financial's merger presentation, Mar 12, 2026
Slide 1: Strategic Acquisition of Signature Bancorporation, Inc.
Esquire Financial Holdings, Inc. Strategic Acquisition of Signature Bancorporation, Inc. Expansion into the Chicago Banking Market March 12, 2026
Slide 2: Forward Looking Disclosure
Forward Looking Disclosure This communication includes “forward - looking statements” within the meaning of the Private Securities Litigation Reform Act of 1 995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect t
Slide 3: Disclaimer: Additional Information and Where to Find It
Disclaimer Additional Information and Where to Find It In connection with the proposed transaction, Esquire will file a registration statement on Form S - 4 with the SEC. The registrati on statement will include a joint proxy statement of Esquire and Signature, which also constitutes a prospectus of
Slide 4: Transaction Highlights
Transaction Highlights 4 1) Pro forma metrics based on 2.630 exchange ratio Strategically Compelling Corporate Fit Lower - Risk Merger Financially Attractive Provides Esquire with a premier Chicago commercial banking franchise to further leverage and enhance Esquire’s industry leading growth in its
Slide 5: Overview of Signature Bancorporation, Inc.
Overview of Signature Bancorporation, Inc. 5 The Signature Story Geographic Footprint Note: Signature financial information reflects bank level financial data for the calendar year ended December 31, 2025 Source: S&P Capital IQ Pro Founding Vision: Established in 2006 by Michael O'Rourke, Kevin Bast
Slide 6: Transaction Summary
Transaction Summary 6 1) See page 7 for summary of exchange ratio adjustment 2) Based on 2.630 exchange ratio and closing price of Esquire’s common stock of $99.04 as of March 11, 2026 3) Merger consideration received in the form of common shares will be limited ratably over three years Structure &
Slide 7: Compelling and Strong Financial Results at All Exchange Ratios
Compelling and Strong Financial Results at All Exchange Ratios Pro Forma Results at Different Exchange Ratios 7 1) Transaction pricing based on closing price of Esquire’s common stock of $99.04 as of March 11, 2026 Note: Assumes closing date of September 30, 2026 The exchange ratio is subject to an
Slide 8: Why Signature Fits Esquire's Acquisition Criteria for Deployment of Excess Capital
Why Signature Fits Esquire’s Acquisition Criteria for Deployment of Excess Capital 8 Criteria for Potential Target Signature’s Value Proposition $2.0B asset institution specializing in middle - market C&I lending Commercially - focused institution with commensurate and executable asset size Headquar
Slide 9: Expansion into Chicago's Attractive Market Demographics
Expansion into Chicago’s Attractive Market Demographics 9 Affluent market with a strong growth outlook Chicago Market Overview Median Household Income &KLFDJR ï 1DWLRQZLGH Household Inc. Growth (2026 - 2031) 1) Reflects metrics of the Chicago - Naperville - Elgin, IL - IN MSA Source: S&P Capital IQ
Slide 10: Commercial Litigation Vertical: The Chicago Opportunity
Commercial Litigation Vertical: The Chicago Opportunity 10 The Chicago Opportunity Market Share in Largest Litigation Markets New York #1 #2 #1 Los Angeles #2 #1 #3 Chicago #3 #4 #11 Houston #4 #3 #6 Phoenix #5 #13 #5 San Antonio #6 #14 #15 Philadelphia #7 #10 #2 San Diego #8 #6 #4 Dallas #9 #5 #8 F
Slide 11: Commercial Litigation Vertical: Proven Model, Massive Runway
Commercial Litigation Vertical: Proven Model, Massive Runway 11 Esquire’s expertise drives lasting relationship growth on a robust 800+bps spread Sustained Platform Growth… Loan Growth Deposit Growth ,2/7$ 12: ''$ 00,$ 6DYLQJV ...Through Exceptional Client Relationships Litigation customers that hav
Slide 12: Expands Esquire's Dynamic and Diverse Operating Markets
Expands Esquire’s Dynamic and Diverse Operating Markets 12 Fin - Tech Enabled National Verticals Bolstered by Presence in Top Three U.S. Metros 1) Pro forma metrics based on 2.630 exchange ratio Source: S&P Capital IQ Pro Pro Forma Footprint Creating a Premier and Differentiated Pro Forma Franchise¹
Slide 13: Compelling Loan and Deposit Diversification
Compelling Loan and Deposit Diversification 13 Loan Composition Deposit Composition Pro Forma ¹ 0XOWLIDPLO\ &5( & , 2WKHU 7UDQVDFWLRQ 6DYLQJV 00,$ 7LPH 1) Pro forma loan and deposit information excludes purchase accounting and other adjustment s Note: Financial information as of December 31, 2025, T
Slide 14: Financially & Strategically Compelling
Financially & Strategically Compelling 14 Note: Pro forma metrics based on 2.630 exchange ratio Assumes closing date of September 30, 2026 Attractive Financial Impact Expansion into attractive Chicago market while diversifying Esquire’s balance sheet to allow for continued nationwide litigation vert
Slide 15: Due Diligence Focus Areas
Due Diligence Focus Areas Comprehensive Due Diligence Review 15 Due Diligence Highlights Comprehensive Credit Review Process Review across all functional areas with daily involvement of all members of senior management Ensured cultural alignment in management teams’ operating philosophies Full engag
Slide 16: Appendix & Supplemental Disclosure
Appendix & Supplemental Disclosure
Slide 17: Key Pro Forma Financial Assumptions
Key Pro Forma Financial Assumptions 17 Standalone Earnings Consensus earnings estimates for Esquire Esquire management estimates for Signature Synergies / Merger Costs Interest Rate Marks (pre - tax) Other Assumptions : Estimated $1.1M (~50% of ~$2.1M of 2027 full run - rate) cost savings in 2027 ,
Slide 18: Pro Forma Adjustment Summary
Pro Forma Adjustment Summary 18 Note: Pro forma metrics based on 2.630 exchange ratio 2027E Earnings per Share Reconciliation Dollar values in millions, except per share amounts 2027E Earnings per Share Reconciliation Esquire Net Income (Median Consensus Estimate) $61.3 Signature Net Income (Esquire
Slide 19: Pro Forma Adjustment Summary (continued)
Pro Forma Adjustment Summary (continued) Note: Pro forma metrics based on 2.630 exchange ratio Merger consideration based on closing price of Esquire’s common stock of $99.04 as of March 11, 2026 Assumes closing date of September 30, 2026 19 Pro Forma Tangible Book Value Reconciliation Basic Shares
Slide 20: Contribution Analysis
Contribution Analysis 20 70% 72% 73% 60% 57% 57% 50% 55% 54% 58% 30% 28% 27% 40% 43% 43% 50% 45% 46% 42% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% PF Ownership at 2.800x Exch. Ratio PF Ownership at 2.630x Exch. Ratio PF Ownership at 2.500x Exch. Ratio 2027E Net Income¹ Tangible Common Equity Total
Slide 21: Signature Top Executives & Chairman of the Board
Signature Top Executives & Chairman of the Board Bryan D. Duncan Co - Founder, Executive Vice President and Director Bryan D . Duncan is a Co - Founder of Signature and serves as Executive Vice President . He has over 25 years of banking experience, specializing in commercial lending to middle marke
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