Esquire Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 0.93 percentage points higher than in Q1 2026, at 86.58%. Within New York, Esquire Bank, N.A. is 51st of 105 on loan-to-deposit ratio, 86.47% as of Q2 2026, above the middle of the field. At 86.47%, Esquire Bank, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $242.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $538.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $39K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.47% |
| Net loans and leases to deposits | 85.35% |
| Loans and leases to core deposits | 86.58% |
| Core deposits to total deposits | 99.87% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 85.70% | 99.93% | $0 | $45K |
| Q4 2023 | 84.89% | 99.94% | $0 | $44K |
| Q1 2024 | 84.91% | 99.44% | $0 | $44K |
| Q2 2024 | 84.11% | 99.40% | $0 | $43K |
| Q3 2024 | 83.79% | 99.40% | $0 | $43K |
| Q4 2024 | 84.16% | 99.44% | $0 | $42K |
| Q1 2025 | 83.00% | 99.81% | $0 | $42K |
| Q2 2025 | 82.94% | 99.80% | $0 | $41K |
| Q3 2025 | 81.41% | 99.84% | $0 | $41K |
| Q4 2025 | 84.52% | 99.85% | $0 | $40K |
| Q1 2026 | 85.55% | 99.88% | $0 | $39K |
| Q2 2026 | 86.47% | 99.87% | $0 | $39K |
Esquire Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Esquire Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)