Esquire Financial Holdings, Inc. · NASDAQ:ESQ
Esquire Financial — FY2025 Earnings Presentation
24 slides from Esquire Financial's earnings presentation, Jan 22, 2026
Slide 1: 4Q & Full Year 2025 Investor Presentation
Ensuring our Clients and Our Institution Succeed Boldly Listed as ESQ Esquire Financial Holdings, Inc. (Financial Holding Company for Esquire Bank, N.A.) 4Q & Full Year 2025 Investor Presentation Exhibit 99.2
Slide 2: Forward Looking Disclosure
Forward Looking Disclosure This presentation contains forward-looking statements within the meaning of the federal securities laws. Forward-looking statements are not historical fact and express management’s current expectations, forecasts of future events or long-term goals and, by their nature, ar
Slide 3: How Our Clients Succeed Boldly
Decades of expertise in the national litigation market which is complex, fragmented, underserved and poised for disruption Asset sensitive model anchored by law firm loans yielding approx. 9.10% “Branchless” and tech enabled core deposit platform funded at 0.99% (1.00% in 4Q ‘25) Driving loa
Slide 4: Strong Growth Driven by Unique National Verticals
Strong Growth Driven by Unique National Verticals How Esquire Succeeds Boldly Key Highlights Strong growth in higher yielding variable rate commercial loans nationally Stable low-cost “branchless” and tech enabled deposit model Equity to Assets of 12.24% Common Equity Tier 1 of 14.18% (Bank
Slide 5: Industry Leading Net Interest Margin
Stable low-cost “branchless” funding model with a strong commercial deposit franchise nationally DDA and escrow-based NOW/IOLTA accounts represent 28% and 60% of total deposits at December 31, 2025, respectively Higher yielding variable rate commercial loans anchored by our national litigation
Slide 6: Strong Revenue Growth
Strong Revenue Growth ($ in thousands) at December 31, 2025 How Esquire Succeeds Boldly 6 Key Highlights Strong net interest margin Stable payment processing fee income Growing ASP fee income derived from off-balance sheet funds management
Slide 7: Industry Recognition & Awards
Financial Highlights How Esquire Succeeds Boldly Industry Recognition & Awards Named to the Piper Sandler 2025 Bank & Thrift Sm-All Stars for the third time in several years Named to Fortune’s Annual 100 Fastest-Growing Companies List in 2024 Named to the KBW 2024 & 2025 Bank Honor Roll Awar
Slide 8: Loan Portfolio Diversification with Focused Growth
Loan Portfolio Diversification with Focused Growth Focused growth in higher yielding variable rate commercial loans with strong credit metrics on a national basis Selective multifamily loan growth with strong historical performance, DSCRs, and LTVs in the NY metro market How Esquire Succeeds Bol
Slide 9: Loan Portfolio Diversification with Focused Growth
Substantially all of our $1.25 billion in commercial loans are variable rate and tied to prime comprising approximately 71% of our loan portfolio Approximately 90% of our variable rate commercial loan portfolio was originated (or renewed annually) with interest rate floors in place Asset sensi
Slide 10: Commercial Litigation (Law Firm) Loans
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 majority of loans, including
Slide 11: New York Metro Area Real Estate
Esquire’s Bold Opportunities New York Metro Area Real Estate A Reliable Asset Class & Liquidity Source Selective in our property and borrower selection process Strong generational owners/operators with high quality net worth No office or construction loan exposure Multifamily and CRE portfol
Slide 12: Solid Credit Metrics, Asset Quality and ACL Coverage
Solid Credit Metrics, Asset Quality and ACL Coverage How Esquire Succeeds Boldly at December 31, 2025 Note – All asset quality metrics are based on our loans held for investment portfolio (1) NFL consumer loan portfolio - $9.0 million charge-off. 12
Slide 13: Deposit Composition and Growth
Deposit Composition and Growth Our tech enabled deposit platform utilizes our corporate cash management suite of services, creating a highly efficient “branchless” platform Our overall liquidity position (cash, borrowing capacity, and available reciprocal client sweep balances) totaled $1.22 bil
Slide 14: Deposit Composition Details
*Note: Excludes sweeps totaling $737 million Deposit Composition Details DDA and NOW (escrow funds) deposits total 88% of total deposits, representing stable funding sources in various interest rate scenarios Litigation and payment processing deposits represent 78% and 7% of total deposits at De
Slide 15: Stable & Consistent Noninterest Income
Currently servicing 93,000 merchants across 50 states in our payment processing (merchant acquiring) vertical Fee income, primarily payment processing fees, represents 17% of total revenue for the year ended December 31, 2025 How Esquire Succeeds Boldly Stable & Consistent Noninterest Income at
Slide 16: Protecting Our Company with Strong Payment Processing Reserves
How Esquire Succeeds Boldly Key Highlights Strong and stable DDA reserves Protecting capital from merchant chargebacks and returns 16 Protecting Our Company with Strong Payment Processing Reserves at December 31, 2025
Slide 17: Why Esquire is Set to Succeed Boldly
Significant national markets primed for disruption: $529 billion & 100,000+ firms in the litigation vertical and $11.7 trillion and 10+ million merchants in the payment processing vertical Key Takeaways Why Esquire is Set to Succeed Boldly Tremendous untapped potential: Esquire’s current market shar
Slide 18: Technology Driving Bold Success
Technology Driving Bold Success Client Centric Technology A Key Driver for Future Growth Website Artificial Intelligence* Marketing Sales Underwriting Onboarding Marketing Cloud AI to facilitate precision marketing and exponential customer acquisition across all verticals Website analytics, data enr
Slide 19: Succeeding Boldly
Succeeding Boldly Listed as ESQ Contact Information: Eric S. Bader Executive Vice President & Chief Operating Officer 516-535-2002 eric.bader@esqbank.com
Slide 20: Appendix & Supplemental Disclosure
Appendix & Supplemental Disclosure National Markets – Litigation & Payment Processing Verticals & Non-GAAP Reconciliation
Slide 21: U.S. Litigation Market: A Significant Growth Opportunity
The Esquire Competitive Advantage Esquire’s Bold Opportunities U.S. Litigation Market A Significant Growth Opportunity U.S. Tort actions are estimated to consume 2.1% of U.S. GDP* annually or $529 billion* Esquire does not compete with non-bank finance companies Significant barriers to entry –
Slide 22: Digitally Transforming The Business of Law
22 Digitally Transforming The Business of Law Aligning Law Firm Case Inventory Lifecycle to Customer Retention Client Incident Receive Intake Case Management Settlement/ Verdict Disbursement $ 1-3 Years (+) Products Case Cost Loans Working Capital Loans Firm and Partner Acquisition Loans Ter
Slide 23: Payment Processing – Current ISO Model
Payment Processing – Current ISO Model How Esquire Succeeds Boldly What is an ISO? ISO Responsibilities They Do Merchant Vertical and Technology Focus Sales Agent Model Performs Initial Underwriting Boards Merchant to Payment Processing Platform Installation of Merchant Equipment Manage
Slide 24: Payment Volume Trends – A Significant Growth Opportunity
The payments industry CAGR was 11% from 2020 to 2024 to an estimated total payment volume of $11.7 trillion Esquire’s Bold Opportunities Payment Volume Trends – A Significant Growth Opportunity Sources: Company Financial Records, Note: PayPal figures represent PayPal’s estimated U.S.percent share of
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