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Esquire Financial Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 rose 23.7% year-over-year to $14.1 million ($1.62 per diluted share), with adjusted net income at $12.8 million ($1.47 per share), driven by strong growth in litigation and payment processing verticals and a branchless, tech-enabled model.
Total assets increased to $2.18 billion, up 22.5% year-over-year, with significant loan and deposit growth, especially in commercial and litigation-related verticals.
Maintained industry-leading returns: ROA of 2.61% (adjusted 2.37%), ROE of 20.83% (adjusted 18.89%), and net interest margin of 6.04% for Q3 2025.
Recognized for performance and growth by Fortune, KBW, Raymond James, S&P Global, and ANA B2 Awards.
Financial highlights
Net interest income for Q3 2025 increased 21.2% year-over-year to $31.3 million, with a net interest margin of 6.04%.
Total loans grew at a 20% CAGR since 2020, reaching $1.88 billion; deposits grew at a 19% CAGR to $1.88 billion, with core deposits representing 99.7% of total deposits.
Noninterest income for Q3 2025 was $6.2 million, representing 17% of total revenue, mainly from payment processing, with a 14% CAGR since 2020.
Book value per share increased to $32.60 as of September 30, 2025.
Noninterest expense increased 19.5% to $18.4 million in Q3 2025, mainly due to higher compensation, technology, and professional services costs.
Outlook and guidance
Positioned for continued growth in large, fragmented national markets in litigation and payment processing, leveraging technology, digital marketing, and a branchless model.
Management continues to invest in technology, talent, and new facilities to support national expansion and sustainable growth.
Assess credit risk in maturing CRE/MF loans
Impact of merchant risk changes on payment processing?
Quantify elevated cash balances' NIM impact
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Next Esquire Financial Holdings earnings date
Q4 202523 Jan, 2026
Next Esquire Financial Holdings earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Esquire Financial Holdings, Inc. operates as a bank holding company through its subsidiary, Esquire Bank, National Association, specializing in commercial banking products and services targeted towards the legal industry, small businesses, and commercial and retail customers across the United States. Its offerings encompass a variety of banking products including checking, savings, money market, and time deposits, alongside certificates of deposit. Esquire Financial Holdings provides a suite of loan services, such as commercial loans for operating needs, commercial lines of credit, consumer loans for various personal needs including debt consolidation and medical expenses, and real estate loans covering multifamily, residential, commercial real estate, and construction projects. Additionally, the company offers merchant services. The company is headquartered in Jericho, New York, and its shares are listed on the Nasdaq.
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