Esquire Financial Holdings, Inc. · NASDAQ:ESQ
Esquire Financial — Q3 2026 Earnings Presentation
25 slides from Esquire Financial's earnings presentation, Oct 27, 2026
Slide 1: 3Q 2026 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.) 3Q 2026 Investor Presentation Exhibit 99.2
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
Signature Merger Highlights – Closed August 1, 2026 How Our Clients Succeed Boldly Strategically Compelling Corporate Fit A premier Chicago commercial banking franchise to leverage and enhance our combined industry leading growth and performance metrics Enhanced scale, resources and balance shee
Slide 4: Key Diversification for the Lending Portfolio
Key Diversification for the Lending Portfolio How Esquire Succeeds Boldly * 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
Key Funding (Low-Cost Core Deposit) Diversification How Esquire Succeeds Boldly 5 • Litigation related deposits represent 79% of total deposits • Total cost of funds, including noninterest bearing demand, of 1.03% • Litigation related deposits represent 54% of total deposits • Total cost of funds, i
Slide 6: Strong Growth Driven by Unique National Verticals
Strong Growth Driven by Unique National Verticals How Esquire Succeeds Boldly 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 model Tangible Equity
Slide 7: 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 yielding variable rate commercial loans (including Signature’s commercial por
Slide 8: Strong Revenue Growth
Strong Revenue Growth ($ in thousands) at September 30, 2026 How Esquire Succeeds Boldly 8 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
Slide 9: Consistent Industry Leading Performance & Growth
Consistent Industry Leading Performance & Growth How Esquire Succeeds Boldly 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 Bank Honor Roll for t
Slide 10: Loan Portfolio Diversification with Focused Growth
Loan Portfolio Diversification with Focused Growth 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 with strong historical performance, DSCRs, and LTVs
Slide 11: 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 annually) with interest rate floors in place Asset sensitive – estimated sensit
Slide 12: 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 13: Commercial Litigation Vertical: Proven Model, Significant Runway
Commercial Litigation Vertical: Proven Model, Significant Runway How Esquire Succeeds Boldly 13 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 th
Slide 14: Real Estate Lending: A Reliable Asset Class & Source of Liquidity
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
Solid Credit Metrics, Asset Quality and ACL Coverage How Esquire Succeeds Boldly at September 30, 2026 Note – All asset quality metrics are based on our loans held for investment portfolio (1) NFL consumer loan portfolio - $9.0 million charge-off. 15
Slide 16: Funding Diversification with Strong Growth
Funding Diversification with Strong Growth 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 (cash, borrowing capacity, and available reciprocal client sweep ba
Slide 17: Deposit Composition Details
*Note: Excludes sweeps totaling $776 million 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
Slide 18: Stable & Consistent Noninterest Income
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 ended September 30, 2026 How Esquire Succeeds Boldly Stable & Consistent Noninterest Income
Slide 19: Protecting Our Company with Strong Payment Processing Reserves
How Esquire Succeeds Boldly Key Highlights Strong and stable DDA reserves and residuals Protecting capital from merchant chargebacks and returns 19 Protecting Our Company with Strong Payment Processing Reserves at September 30, 2026
Slide 20: Succeeding Boldly – Contact Information
Succeeding Boldly Listed as ESQ Contact Information: Eric S. Bader Executive Vice President & Chief Operating Officer 516-535-2002 eric.bader@esqbank.com
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 22 (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 n
Slide 23: Non-GAAP Financial Measure Reconciliation
Appendix Non-GAAP Financial Measure Reconciliation 23 (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 expen
Slide 24: Non-GAAP Financial Measure Reconciliation
Appendix Non-GAAP Financial Measure Reconciliation 24 (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
Slide 25: Non-GAAP Financial Measure Reconciliation
Appendix Non-GAAP Financial Measure Reconciliation 25 (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
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