Esquire Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Esquire Bank, N.A. is an FDIC-insured commercial bank headquartered in Jericho, NY, established in 2006 (FDIC certificate 58140), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.49B, up 22.3% from Q2 2025, the 31st largest of 105 banks headquartered in New York. Its CET1 capital ratio was 14.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58140
- Headquarters
- Jericho, NY
- Established
- 2006
- Total assets, Q2 2026
- $2.49B
- Assets vs Q2 2025
- +22.3%
- CET1 ratio, Q2 2026
- 14.24%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 026073066
- Latest call report
- Q2 2026, FFIEC 051 · Esquire Bank, N.A. call report
- Holding company
- ESQUIRE FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 31st of 105 in New York
Esquire Bank, N.A. is one of the more profitable banks of its size. The Jericho, New York bank had $2.5 billion in assets at June 30, 2026, up 22.3% from a year earlier. It earns about $2.33 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 5.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents). Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 27.6% and deposits rose 22.4%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.27% of loans from 0.59%.
As of June 30, 2026, Esquire Bank, N.A. reported a CET1 capital ratio of 14.24%, a return on assets of 2.33%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.70%. The figures come from its call report filed with the FFIEC.
Esquire Bank, N.A. ranks as the 31st largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.7% to $2.49B, loans rose 4.8% and deposits rose 3.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 70.3% of total loans, ahead of multifamily loans at 20.8%. Its 3 offices in the FDIC Summary of Deposits are in Jericho, NY and Los Angeles, CA; its Jericho 2 offices book 100% of its branch deposits. Judged on its Q2 2026 call report, Esquire Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Jericho Quadrangle, Jericho, NY 11753
- County
- Nassau
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 12, 2006
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 164
- Domestic deposits
- $2.20B
- Allowance for credit losses
- $24.7M
- Net charge-offs (YTD)
- $4.9M
- Average total assets
- $2.47B
- Average total loans
- $1.88B
- Average interest-bearing deposits
- $1.58B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 12, 2006
- FDIC Cert
- 58140
- Fed RSSD
- 3447820
- SEC CIK
- 1531031 → filed by ESQUIRE FINANCIAL HOLDINGS, INC.
- Website
- www.esquirebank.com →
- Parent Holding Company
- ESQUIRE FINANCIAL HOLDINGS, INC. (RSSD 4267427) · ESQ
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Esquire Bank, N.A.'s total assets moved between a low of $1.46B (Q3 2023) and a high of $2.49B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.49B total assets against $2.04B; $2.22B total liabilities against $1.81B.
$1.88B net loans and leases against $1.47B; $2.20B total deposits against $1.80B.
$296.2M securities against $321.8M; $242.2M cash and balances due against $163.0M.
$41.3M total interest income against $33.5M; $5.6M total interest expense against $4.3M.
$35.7M net interest income against $29.2M.
$6.4M total noninterest income against $6.0M; $19.1M total noninterest expense against $15.4M.
$3.0M provision for credit losses against $3.5M.
$14.4M net income against $12.7M.
2.33% return on assets against 2.54%; 5.95% net interest margin against 6.01%.
14.24% CET1 capital ratio against 14.89%; 11.68% tier 1 leverage ratio against 12.06%.
Inside the full Esquire Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEsquire Bank, N.A. rankings
Its closest position to the top of a national ranking is 233 of 3,611, for ROA; its furthest is 2,387 of 3,640, for Texas Ratio.
Metric pages for Esquire Bank, N.A.: ROA.
Banks merged into Esquire Bank, N.A.
- Signature Bank, effective August 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.33% (Q2 2026) to 2.90% (Q3 2025) and its net interest margin ran from 5.88% (Q1 2025) to 6.19% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.24% | 2.33% | 0.27% | 1.70% | 5.95% |
| Q1 2026 | 14.25% | 2.37% | 0.04% | 0.25% | 5.96% |
| Q4 2025 | 14.18% | 2.63% | 0.49% | 3.05% | 6.10% |
| Q3 2025 | 15.27% | 2.90% | 0.56% | 3.26% | 6.09% |
| Q2 2025 | 14.89% | 2.54% | 0.59% | 3.50% | 6.01% |
| Q1 2025 | 15.24% | 2.59% | 0.57% | 3.35% | 5.88% |
| Q4 2024 | 14.67% | 2.75% | 0.79% | 4.86% | 5.90% |
| Q3 2024 | 15.39% | 2.85% | 0.85% | 4.91% | 6.19% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Esquire Bank, N.A. (main office) | Jericho , NY | 11753 | $2.20B |
| Jericho Branch | Jericho , NY | 11753 | $0 |
| Century City Branch | Los Angeles , CA | 90067 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2026 | Structure Change | Acquired Signature Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 55 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Esquire Bank, N.A.
What are Esquire Bank, N.A.'s total assets?
As of the Q2 2026 filing, Esquire Bank, N.A. reported total assets of $2.49 billion in its FFIEC call report.
Where is Esquire Bank, N.A. headquartered?
It is headquartered in Jericho, NY, United States.
When was Esquire Bank, N.A. founded?
It was established in 2006, per the FDIC institution directory.
Is Esquire Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Esquire Bank, N.A.?
Esquire Bank, N.A.'s primary federal regulator is the OCC.
What is Esquire Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Esquire Bank, N.A. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Esquire Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.70% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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