Esquire Financial Holdings, Inc.

Esquire Financial Holdings, Inc. (NASDAQ: ESQ) operates as a financial holding company headquartered in Jericho, New York, with its primary subsidiary being Esquire Bank, National Association. The company's website is www.esquirebank.com.

Esquire Financial functions as a full-service commercial bank dedicated to serving the legal and small business communities on a national basis, with additional traditional banking operations in the New York and Los Angeles metropolitan markets. The company's business model centers on two primary verticals: litigation market commercial banking and payment processing services.

The litigation market segment represents the company's core focus, generating approximately 78 percent of its deposit base and 67 percent of its loan portfolio. The bank provides tailored financial products to law firms nationwide, including working capital lines of credit, case cost lines of credit, and term loans. These specialized offerings leverage the company's unique underwriting expertise in contingency-based legal practices, combining traditional commercial underwriting with asset-based lending models focused on law firm case inventory valuations. The litigation vertical generated a blended asset yield of 9.10 percent for the year ended December 31, 2025, while generating substantial low-cost core deposits through operating and escrow accounts.

The payment processing segment operates as an acquiring bank through an independent sales organization model, processing transactions for approximately 93,000 small business merchants across all fifty states. This division generated approximately 14 percent of total revenue and processed $39.5 billion in card volume during 2025, utilizing relationships with three payment processors: Global Payments, Repay, and Fiserv.

As of December 31, 2025, the company maintained total assets of $2.37 billion, loans held for investment of $1.76 billion, deposits of $2.06 billion, and stockholders' equity of $289.6 million. The company maintains a national footprint for litigation services while operating two physical branches in Jericho, New York and Los Angeles, California. The company's deposit base consists of 99.7 percent core deposits, with a total cost of deposits of 0.99 percent, reflecting the stable, low-cost nature of litigation-related escrow and operating accounts.