Esquire Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Esquire Bank, N.A. of Jericho, NY against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.33% | 1.46% | +0.87% | 94th top |
| ROAE | 21.04% | 12.68% | +8.36% | 91st top |
| Net Interest Margin | 5.95% | 3.85% | +2.10% | 98th top |
| Efficiency Ratio | 45.35% | 57.41% | -12.06% | 86th top |
| PPNR / Avg Assets | 3.73% | 1.87% | +1.86% | 98th top |
| Yield on Earning Assets | 6.88% | 5.72% | +1.16% | 94th top |
| Cost of Funds | 1.03% | 2.02% | -0.99% | 93rd top |
| Net Interest Spread | 5.48% | 3.18% | +2.30% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 1.00% | -0.73% | 75th top |
| NPA / Total Assets | 0.21% | 0.76% | -0.55% | 76th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.37% | 0.43% | -0.06% | 12th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.30% | 1.31% | -0.01% | 69th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 481.19% | 564.44% | -83.25% | 80th top |
| Texas Ratio | 1.70% | 7.39% | -5.69% | 80th top |
| Provision / NCO | 115.58% | 619.12% | -503.54% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.24% | 17.34% | -3.10% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.24% | 17.37% | -3.13% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.49% | 18.42% | -2.93% | 64th above |
| Leverage Ratio | 11.68% | 11.44% | +0.24% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.16% | 11.34% | -0.18% | 62nd above |
| TCE / Tangible Assets | 11.16% | 10.50% | +0.66% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.47% | 86.95% | -0.48% | 54th above |
| Core Deposit Ratio | 99.87% | 85.54% | +14.33% | 99th top |
| Uninsured Deposit Ratio | 33.71% | 33.13% | +0.58% | 43rd below |
| Wholesale Funding Ratio | 0.00% | 5.71% | -5.71% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 22.32% | 9.67% | +12.65% | 92nd top |
| Loan Growth (Y/Y) | 27.59% | 8.04% | +19.55% | 95th top |
| Deposit Growth (Y/Y) | 22.38% | 7.86% | +14.52% | 92nd top |
See Esquire Bank, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Esquire Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Esquire Bank, N.A. profile, how to read a UBPR, or how this data updates.