Esquire Financial Holdings, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026, with the SEC on November 9, 2026, reporting third-quarter net income of $17,482 thousand and total assets that more than doubled year-over-year to $4,805,405 thousand.

Key Highlights

  • Net income: $17,482 thousand for the three months ended September 30, 2026, compared to $14,057 thousand for the same period in 2025.
  • Total assets: $4,805,405 thousand as of September 30, 2026, up from $2,365,661 thousand at December 31, 2025.
  • Merger expenses: $8,887 thousand in the third quarter of 2026, contributing to a nine-month total of $11,229 thousand, compared to $210 thousand for both comparable periods in 2025.
  • Goodwill and core deposit intangible: $246,883 thousand and $47,499 thousand, respectively, appeared on the September 30, 2026 balance sheet, with both recorded as zero at December 31, 2025.
  • Diluted earnings per share: $1.57 for Q3 2026, compared to $1.62 for Q3 2025; nine-month diluted EPS was $4.48 versus $4.32 in 2025.
  • Shares outstanding: 12,164,607 shares of common stock outstanding as of November 1, 2026.
  • Net interest income: $53,506 thousand for the three months ended September 30, 2026, compared to $31,339 thousand for the same period in 2025.

Esquire Financial Holdings Reports Expanded Balance Sheet and Merger Costs in Q3 2026

According to the filing, Esquire Financial Holdings, Inc. (NASDAQ:ESQ) reported third-quarter 2026 net income of $17,482 thousand, up from $14,057 thousand in the third quarter of 2025. For the nine months ended September 30, 2026, the company disclosed net income of $42,671 thousand, compared to $37,354 thousand for the same period in 2025. Total interest income rose to $63,138 thousand for Q3 2026 from $36,131 thousand in Q3 2025, driven primarily by growth in loans held for investment income, which reached $55,207 thousand versus $30,839 thousand a year earlier.

The consolidated balance sheet reflected a significant expansion during the period, the filing disclosed. Total assets reached $4,805,405 thousand at September 30, 2026, compared to $2,365,661 thousand at December 31, 2025. Loans held for investment grew to $3,425,537 thousand from $1,758,427 thousand, while total deposits increased to $3,977,890 thousand from $2,063,007 thousand. The company reported goodwill of $246,883 thousand and a core deposit intangible of $47,499 thousand at September 30, 2026, both of which were absent from the December 31, 2025 balance sheet, indicating acquisition activity. Total stockholders' equity was $786,615 thousand at September 30, 2026, compared to $289,598 thousand at year-end 2025. Common shares issued increased to 12,317,504 from 8,708,923 over the same interval, according to the filing.

The filing also disclosed that noninterest expense for Q3 2026 totaled $35,967 thousand, compared to $18,360 thousand in Q3 2025. Merger expenses of $8,887 thousand in the quarter and amortization of core deposit intangible of $1,827 thousand were each reported for the first time in the Q3 2026 period, with no comparable amounts in 2025. Total other comprehensive loss for the nine months ended September 30, 2026 was $(12,152) thousand, reflecting unrealized losses on available-for-sale securities. The allowance for credit losses stood at $44,677 thousand at September 30, 2026, versus $24,022 thousand at December 31, 2025.

What Was Disclosed

Esquire Financial Holdings filed its unaudited quarterly report covering the period ended September 30, 2026, disclosing substantial balance sheet growth, acquisition-related goodwill and intangible assets, elevated merger expenses, and increased net income relative to the prior-year quarter.