Esquire Financial Holdings, Inc. · NASDAQ:ESQ
Esquire Financial — Q2 2026 Earnings Presentation
27 slides from Esquire Financial's earnings presentation, Jul 23, 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.) 2Q 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: Nationwide Branchless Tech Enabled Litigation & Payment Processing Verticals
How Our Clients Succeed Boldly Nationwide “Branchless” Tech Enabled Litigation & Payment Processing Verticals Generating Industry Leading Growth, Returns, & Performance Metrics National Payment Processing Litigation Vertical Vertical (Merchant Services) Commercial Banking Nationally Small Business B
Slide 4: Strong Growth Driven by Unique National Verticals
How Esquire Succeeds Boldly Strong Growth Driven by Unique National Verticals at June 30, 2026 Key Highlights Strong growth in higher yielding variable rate commercial loans nationally, primarily litigation related loans Stable low-cost “branchless” and tech enabled deposit model Equity to Ass
Slide 5: Resilient Industry Leading Net Interest Margin
How Esquire Succeeds Boldly Resilient Industry Leading Net Interest Margin Stable low-cost “branchless” funding model with a strong commercial deposit franchise nationally DDA and escrow-based IOLTA accounts represent 25% and 60% of total deposits at June 30, 2026, respectively Higher yielding
Slide 6: Strong Revenue Growth
How Esquire Succeeds Boldly Strong Revenue Growth ($ in thousands) at June 30, 2026 Key Highlights Strong and resilient net interest margin Stable payment processing fee income Growing ASP fee income derived from off-balance sheet funds management 6
Slide 7: Consistent Industry Leading Performance & Growth
How Esquire Succeeds Boldly Consistent Industry Leading Performance & Growth at June 30, 2026 Industry Recognition & Awards #1 Best Law Firm Funding Provider in The Recorder’s 2026 “Best Of” survey KBW 2026 Bank Honor Roll for the third consecutive year 2025 Raymond James Community Bankers Cup
Slide 8: Loan Portfolio Diversification with Focused Growth
How Esquire Succeeds Boldly Loan Portfolio Diversification with Focused Growth at June 30, 2026 Focused growth in higher yielding variable rate commercial litigation related loans with strong credit metrics on a national basis Selective commercial real estate loan growth with strong historical p
Slide 9: Loan Portfolio Diversification with Focused Growth
How Esquire Succeeds Boldly Loan Portfolio Diversification with Focused Growth Substantially all of our $1.33 billion in commercial loans are variable rate and tied to prime comprising approximately 70% of our loan portfolio Approximately 90% of our variable rate commercial loan portfolio was or
Slide 10: 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 11: 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 12: New York Metro Area Real Estate
Esquire’s Bold Opportunities New York Metro Area Real Estate A Reliable Asset Class & Source of Liquidity Selective in our property and sponsor selection process Strong generational owners/operators with high quality net worth No office or construction/land loan exposure Multifamily and CRE
Slide 13: Solid Credit Metrics, Asset Quality and ACL Coverage
How Esquire Succeeds Boldly Solid Credit Metrics, Asset Quality and ACL Coverage at June 30, 2026 13 Note – All asset quality metrics are based on our loans held for investment portfolio (1) NFL consumer loan portfolio - $9.0 million charge-off.
Slide 14: Deposit Composition with Strong Growth
How Esquire Succeeds Boldly Deposit Composition with Strong Growth ($ in millions) at June 30, 2026 Our tech enabled deposit platform utilizes our corporate cash management suite of services, creating a highly efficient “branchless” platform nationally Our overall liquidity position (cash, borro
Slide 15: Deposit Composition Details
How Esquire Succeeds Boldly Deposit Composition Details DDA and NOW (escrow or IOLTA funds) deposits total 86% of total deposits, representing a stable low-cost funding source in various interest rate scenarios Litigation and payment processing deposits represent 79% and 6% of total deposits at
Slide 16: Stable & Consistent Noninterest Income
How Esquire Succeeds Boldly Stable & Consistent Noninterest Income at June 30, 2026 Currently servicing 93,000 merchants across 50 states in our payment processing (merchant acquiring) vertical Fee income, primarily payment processing fees, represents 15% of total revenue for the quarter ended J
Slide 17: Protecting Our Company with Strong Payment Processing Reserves
How Esquire Succeeds Boldly Protecting Our Company with Strong Payment Processing Reserves at June 30, 2026 Key Highlights Strong and stable DDA reserves and residuals Protecting capital from merchant chargebacks and returns 17
Slide 18: Why Esquire is Set to Succeed Boldly
Key Takeaways Why Esquire is Set to Succeed Boldly Significant national markets primed Tremendous untapped potential: for disruption: $529 billion & Esquire’s current market share is a 100,000+ firms in the litigation fraction of both national verticals that vertical and $12.2 trillion and are compl
Slide 19: Client Centric Technology A Key Driver for Future Growth
Technology Driving Bold Success Client Centric Technology A Key Driver for Future Growth and Client Relationship Management AI to facilitate precision marketing and exponential customer acquisition across Artificial Intelligence* all verticals Website analytics, data enrichment and Website thought l
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
Appendix & Supplemental Disclosure National Markets – Litigation & Payment Processing Verticals & Non-GAAP Reconciliation
Slide 22: U.S. Litigation Market A Significant Growth Opportunity
Esquire’s Bold Opportunities U.S. Litigation Market Key Highlights A Significant Growth Opportunity $529 billion* Total Addressable Market U.S. Tort actions are estimated to consume 2.1% of U.S. GDP* annually or $529 billion* (“TAM”) in litigation vertical Esquire does not compete with non-ban
Slide 23: Aligning Law Firm Case Inventory Lifecycle to Customer Retention
Digitally Transforming The Business of Law Aligning Law Firm Case Inventory Lifecycle to Customer Retention Client Receive Case Settlement/ Disbursement Incident Intake Management Verdict $ 1-3 Years (+) Solutions Technology Case Cost Loans Proprietary CRM Platform Working Capital Loans Acco
Slide 24: Payment Processing – Current ISO Model
How Esquire Succeeds Boldly Payment Processing – Current ISO Model What is an ISO? ISO Responsibilities Bank Responsibilities They Do We Do Merchant Vertical and Front-End Robust Policies Technology Focus Tech Enabled Card Brand and Sales Agent Model Regulatory Compliance Performs Initial
Slide 25: Payment Volume Trends – A Significant Growth Opportunity
Esquire’s Bold Opportunities Payment Volume Trends – A Significant Growth Opportunity at December 31, 2025 ($ in billions) The payments industry CAGR was 8% from 2021 to 2025 to an estimated total payment volume of $12.2 trillion Sources: Company Financial Records, Note: PayPal figures represent Pay
Slide 26: 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 27: Non-GAAP Financial Measure Reconciliation
Appendix Non-GAAP Financial Measure Reconciliation (all dollars in thousands) 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 ratio, excludes the impa
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