Esquire Bank
Esquire Bank reported total assets of $2.5 bn at Q2 2026, up 22.3% on a year earlier, the 497th largest of 497 banks in our US coverage. The CET1 capital ratio at Esquire Bank was 14.24%, and the uninsured share of Esquire Bank was 33.71%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Esquire Bank climbed from 273rd to 91st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , Esquire Bank has taken over one institution; the latest was Signature Bank on (FDIC Call Reports).
- Esquire Bank has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 6.06% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
What sets Esquire Bank apart
- At 2.34%, the return on assets (ROA) of Esquire Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 1.32%.
- Few banks of $1 bn to $10 bn report a higher return on equity (ROE) than Esquire Bank, at 21.06% in against a group median of 12.68%.
- Esquire Bank has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.54% at , against a median of 0.06% across 339 banks.
How large is Esquire Bank?
The balance sheet of Esquire Bank at : assets $2.5 bn, deposits $2.2 bn, net loans $1.9 bn (loans equal to 85.35% of deposits). Securities make up 11.9% of total assets at Esquire Bank. Since , when Esquire Bank held $349.7 mn, its assets grew 613.4%. In the year to , deposits at Esquire Bank rose 22.4% while its total assets rose 22.3%. At , Esquire Bank employed 164 full-time equivalent staff across 3 offices, about $15.2 mn of assets per employee and $733.0 mn of deposits per office.
How much funding at Esquire Bank is uninsured?
At Esquire Bank, uninsured deposits (above the FDIC limit) made up 33.71% of domestic deposits at (+1.71 pp on a year earlier); Esquire Bank ranks 264th of 500 on this measure. In dollars, Esquire Bank estimated $741.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | +22.4% | 477th of 499 |
| Net loans and leases | $1.9 bn | +27.6% | 457th of 500 |
| Loan-to-deposit ratio | 85.35% | +3.48 pp | 275th of 500 |
| Tier 1 leverage ratio | 11.68% | -0.37 pp | 110th of 500 |
| Total risk-based capital ratio | 15.49% | -0.63 pp | 138th of 448 |
| Net interest margin | 6.06% | -0.12 pp | 23rd of 500 |
| Return on assets (ROA) | 2.34% | -0.24 pp | 28th of 500 |
| Efficiency ratio | 45.33% | +0.78 pp | 84th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $5.0 mn | Narrowed by $979,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $13.4 mn | Narrowed by $1.5 mn | |
| Noncurrent loans to total loans | 0.27% | -0.32 pp | 91st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.54% | -0.38 pp | 445th of 500 (1 = lowest) |
US rank of Esquire Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Esquire Bank: assets, deposits and loans
- Total assets $2.5bn
- Deposits $2.2bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of Esquire Bank stood at 14.24% in , -0.65 pp year on year. Low and high at Esquire Bank since : 14.13% () to 18.22% (). Equity capital of Esquire Bank at : $278.5 mn, or 11.2% of total assets. Esquire Bank also reported a total capital ratio of 15.49% for , and a tier 1 leverage ratio of 11.68%.
On held-to-maturity securities, Esquire Bank carried an unrealized loss of $5.0 mn at , equal to 1.8% of equity capital. The loss narrowed by $979,000 over the year. Its deepest point: $11.0 mn in . The available-for-sale portfolio of Esquire Bank showed an unrealized loss of $13.4 mn at ; the loss narrowed by $1.5 mn over the year.
Esquire Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 12%
Esquire Bank: unrealized securities gains and losses
- Available for sale -$13mn
- Held to maturity -$5mn
Profitability and loan quality
For the year to , Esquire Bank earned a return on equity of 21.06%; return on assets: 2.34%. Net interest margin at Esquire Bank: 6.06%, -0.12 pp in a year. Esquire Bank net income: $28.2 mn, up 12.2% year on year. The efficiency ratio of Esquire Bank was 45.33%: about 45 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.27% of total loans at Esquire Bank; net charge-offs: 0.54% of average loans. Gross loans and leases at Esquire Bank: $1.9 bn, up 27.6% in a year.
Esquire Bank: profitability
- Return on equity 21%
- Net interest margin 6.1%
- Return on assets 2.3%
Peer group of Esquire Bank
Esquire Bank is the smallest bank in its peer group at ; the other 6 are the banks just above Esquire Bank by total assets. Of the peers, 3 share the charter type of Esquire Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New York. Against them, Esquire Bank shows CET1 ratio 14.24% against a peer median of 13.04%, return on equity 21.06% against a peer median of 13.82% and uninsured deposit share 33.71% against a peer median of 28.78%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Community National Bank | National bank | TX | $2.5 bn | 17.14% | 16.91% | 48.60% | |
| American National Bank & Trust | National bank | TX | $2.5 bn | 12.66% | 9.72% | 39.33% | |
| Bank Five Nine | State nonmember bank | WI | $2.5 bn | 12.13% | 14.51% | 14.76% | |
| Community National Bank & Trust | National bank | KS | $2.5 bn | 13.04% | 13.39% | 16.59% | |
| South Shore Bank | State member bank | MA | $2.5 bn | 13.87% | 7.42% | 45.08% | |
| United Bank of Iowa | State nonmember bank | IA | $2.5 bn | not reported | 14.25% | 18.23% | |
| Esquire Bank | National bank | NY | $2.5 bn | 14.24% | 21.06% | 33.71% | |
. FDIC Call Reports.
Last eight quarters
Two years at Esquire Bank, to : assets +41.3%, deposits +42.1%, equity +35.7%. Staff 139 to 164; offices 2 to 3.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.8 bn | $1.9 bn | $1.9 bn | $2.0 bn | $2.2 bn | $2.3 bn | $2.4 bn | $2.5 bn |
| Total deposits | $1.5 bn | $1.7 bn | $1.7 bn | $1.8 bn | $1.9 bn | $2.1 bn | $2.1 bn | $2.2 bn |
| Bank equity capital | $205.3 mn | $204.1 mn | $219.2 mn | $230.1 mn | $244.4 mn | $257.6 mn | $267.5 mn | $278.5 mn |
| CET1 ratio | 15.39% | 14.67% | 15.24% | 14.89% | 15.27% | 14.18% | 14.25% | 14.24% |
| Return on equity (ROE) | 24.75% | 24.99% | 23.51% | 23.07% | 24.04% | 23.88% | 21.09% | 21.06% |
| Uninsured share of domestic deposits | 30.35% | 28.78% | 31.58% | 32.01% | 33.07% | 33.58% | 30.22% | 33.71% |
| Full-time equivalent employees | 139 | 138 | 136 | 138 | 149 | 151 | 154 | 164 |
| Number of offices | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Esquire Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Signature Bank (FDIC certificate 58264).
Questions and identifiers
What were the total assets of Esquire Bank?
Esquire Bank reported $2.5 bn at in its Call Report. That makes Esquire Bank the 497th largest of 497 banks in our US coverage.
Is Esquire Bank the same as its holding company?
No. This page covers Esquire Bank, FDIC certificate 58140; Esquire Financial Holdings, Inc., its holding company, reports separately to the Federal Reserve.
Is Esquire Bank profitable?
Esquire Bank reported net income of $28.2 mn for the year to ; annualized return on equity: 21.06%. So yes: Esquire Bank made a profit over these months.
When is data for Esquire Bank next updated?
Figures from Esquire Bank for are due after .
Where can I check the figures for Esquire Bank?
In the FDIC BankFind Suite record for certificate 58140, and in the Call Reports of Esquire Bank (RSSD ID 3447820) at the FFIEC Central Data Repository.