Esquire Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 1.10 percentage points in Q2 2026, from 165.42% to 166.52%. It was the largest change from Q1 2026 among the key lines here. 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. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Esquire Bank, N.A. reported 86.47% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.90B |
| Net loans and leases | $1.88B |
| Loans held for sale | $0 |
| Loans to total assets | 76.21% |
| Loan-to-deposit ratio | 86.47% |
| Net loans to equity capital | 6.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.00% |
| Multifamily (5+ residential) | 20.78% |
| Commercial and industrial | 70.34% |
| Consumer | 1.39% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 166.52% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.77% |
| Interest income on loans | $36.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.11B | $1.29B | 8.14% | 57.71% | 1.22% |
| Q4 2023 | $1.20B | $1.41B | 7.46% | 59.55% | 1.21% |
| Q1 2024 | $1.23B | $1.44B | 7.25% | 60.10% | 1.55% |
| Q2 2024 | $1.26B | $1.50B | 7.01% | 61.96% | 1.51% |
| Q3 2024 | $1.30B | $1.55B | 6.75% | 62.55% | 1.44% |
| Q4 2024 | $1.39B | $1.65B | 6.25% | 64.85% | 1.39% |
| Q1 2025 | $1.41B | $1.70B | 6.15% | 65.07% | 1.28% |
| Q2 2025 | $1.49B | $1.80B | 6.12% | 67.24% | 1.22% |
| Q3 2025 | $1.54B | $1.90B | 6.84% | 67.79% | 1.11% |
| Q4 2025 | $1.75B | $2.08B | 6.12% | 70.16% | 1.29% |
| Q1 2026 | $1.81B | $2.12B | 6.30% | 69.82% | 1.43% |
| Q2 2026 | $1.90B | $2.20B | 7.00% | 70.34% | 1.39% |
Esquire Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Esquire Bank, N.A., freeSource: Call Report Schedule RC-C, 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)