Esquire Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 5.6% from Q1 2026 to Q2 2026, ending at $216.0M against $204.6M. It was the largest change among the key lines on this page. Within New York, Esquire Bank, N.A. is 56th of 82 on CET1 ratio, 14.24% as of Q2 2026, below the middle of the field. Esquire Bank, N.A. reported 14.24% on CET1 ratio for Q2 2026, 0.76 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.24% |
| Tier 1 risk-based capital ratio | 14.24% |
| Total risk-based capital ratio | 15.49% |
| Tier 1 leverage ratio | 11.68% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $288.3M |
| Tier 1 capital | $288.3M |
| Total risk-based capital | $313.5M |
| Total equity capital | $278.5M |
| Risk-weighted assets | $2.02B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.16% |
| Tangible equity to tangible assets | 11.16% |
| Equity capital to average assets | 11.29% |
| Internal capital growth rate | 16.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.0M |
| Common stock surplus | $62.3M |
| Retained earnings | $216.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.34% | 14.34% | 15.59% | 11.98% | $1.19B |
| Q4 2023 | 14.13% | 14.13% | 15.38% | 12.07% | $1.28B |
| Q1 2024 | 14.41% | 14.41% | 15.66% | 12.42% | $1.33B |
| Q2 2024 | 14.89% | 14.89% | 16.14% | 12.53% | $1.37B |
| Q3 2024 | 15.39% | 15.39% | 16.64% | 12.60% | $1.40B |
| Q4 2024 | 14.67% | 14.67% | 15.92% | 11.70% | $1.49B |
| Q1 2025 | 15.24% | 15.24% | 16.49% | 12.01% | $1.51B |
| Q2 2025 | 14.89% | 14.89% | 16.11% | 12.06% | $1.62B |
| Q3 2025 | 15.27% | 15.27% | 16.52% | 12.00% | $1.66B |
| Q4 2025 | 14.18% | 14.18% | 15.43% | 11.87% | $1.88B |
| Q1 2026 | 14.25% | 14.25% | 15.48% | 11.85% | $1.94B |
| Q2 2026 | 14.24% | 14.24% | 15.49% | 11.68% | $2.02B |
Esquire Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Esquire Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Esquire Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58140) · FFIEC NIC profile (RSSD 3447820)