艾斯奎尔金融控股 2025年季度报告

☒QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGEACT OF 1934 For the quarterly period endedJune 30, 2025OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGEACT OF 1934 For the transition period fromtoCommission File No.001-38131 Esquire Financial Holdings,Inc.(Exact Name of Registrant as Specified in Its Charter) Maryland27-5107901(State or Other Jurisdiction ofIncorporation or Organization)(I.R.S. EmployerIdentification No.) 100 Jericho Quadrangle, Suite100,Jericho,New York11753(Address of Principal Executive Offices)(Zip Code) (516)535-2002(Registrant’s Telephone Number, Including Area Code)N/A(Former Name, Former Address and Former FiscalYear, if Changed Since Last Report) Securities registered pursuant to Section12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)ofthe Securities Exchange Act of 1934 during the preceding 12months (or for such shorter period that the registrantwas required to file such reports), and (2)has been subject to such requirements for the past 90days.YES⌧NO◻ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to besubmitted pursuant to Rule405 of Regulation S-T during the preceding 12months (or for such shorter period that theregistrant was required to submit such files).YES⌧NO◻ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer,smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,”“accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule12b-2 of the ExchangeAct. Large accelerated filer◻Non-accelerated filer◻ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transitionperiod for complying with any new or revised financial accounting standards provided pursuant to Section13(a)ofthe Exchange Act.◻ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act).YES☐NO⌧ Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicabledate: As of August1, 2025, there were8,538,558outstanding shares of the issuer’s common stock. Esquire Financial Holdings,Inc.Form10-Q Table of Contents PARTI. FINANCIAL INFORMATION3Item1.Financial Statements (unaudited)3Consolidated Statements of Financial Condition3Consolidated Statements of Income4Consolidated Statements of Comprehensive Income5Consolidated Statements of Changes in Stockholders’ Equity6Consolidated Statements of Cash Flows7Notesto InterimConsolidated Financial Statements8Item2.Management’s Discussion and Analysis of Financial Condition and Results ofOperations26Item3.Quantitative and Qualitative Disclosures About Market Risk46Item4.Controls and Procedures46PARTII. OTHER INFORMATION47Item1.Legal Proceedings47Item1A.Risk Factors47Item2.Unregistered Sales of Equity Securities and Use of Proceeds47Item3.Defaults Upon Senior Securities47Item4.Mine Safety Disclosures47Item5.Other Information48Item6.Exhibits48SIGNATURES49 PARTI– FINANCIAL INFORMATION ESQUIRE FINANCIAL HOLDINGS,INC.CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION(Dollars in thousands, except per share data)(Unaudited) Stockholders’ equity:Preferred stock, par value $0.01; authorized2,000,000shares;noneissued——Common stock, par value $0.01; authorized15,000,000shares;8,618,457and8,473,651shares issued, respectively; and8,499,559and8,354,753shares outstanding, respectively8685Additional paid-in capital106,811104,052Retained earnings173,266152,932Accumulated other comprehensive loss(10,919)(14,287)Treasury stock at cost (118,898and118,898shares, respectively)(5,688)(5,688)Total stockholders’ equity263,556237,094Total liabilities and stockholders’ equity$2,059,977$1,892,503 ESQUIRE FINANCIAL HOLDINGS,INC.CONSOLIDATED STATEMENTS OF INCOME(Dollars in thousands, except per share data)(Unaudited) ESQUIRE FINANCIAL HOLDINGS,INC.CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME(Dollars in thousands)(Unaudited) Three MonthsEnded June30,Six Months EndedJune30,2025202420252024Net income$11,890$10,487$23,297$20,545Other comprehensive income (loss):Unrealized gains (losses) arising during the period onsecurities available-for-sale1,0391764,849(1,388)Tax effect(275)(48)(1,481)382Total other comprehensive income (loss)7641283,368(1,006)Total comprehensive income$12,654$10,615$26,665$19,539 ESQUIRE FINANCIAL HOLDINGS,INC.CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY(Dollars in thousands, except per share data)(Unaudited) See accompanying notes to interim consolidated financial statements. ESQUIRE FINANCIAL HOLDINGS,INC.CONSOLIDATED STATEMENTS OF CASH FLOWS(Dollars in thousands)(Unaudited) Six Months EndedJune30,20252024Cash flows from operating activities:Net