Esquire Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 2707.67 percentage points in Q2 2026, from 3188.86% to 481.19%. It was the largest change from Q1 2026 among the key lines here. Among 105 New York banks, Esquire Bank, N.A. sits 5th from the top on return on assets, 2.33% as of Q2 2026. Esquire Bank, N.A.'s return on assets of 2.33% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.05 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.24% |
| Tier 1 risk-based capital ratio | 14.24% |
| Total risk-based capital ratio | 15.49% |
| Tier 1 leverage ratio | 11.68% |
| Equity capital to assets | 11.16% |
| Tangible equity to tangible assets | 11.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.37% |
| Texas ratio | 1.70% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 481.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.33% |
| Return on equity | 21.04% |
| Net interest margin | 5.95% |
| Efficiency ratio | 45.35% |
| Yield on earning assets | 6.88% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.47% |
| Core deposits to total deposits | 99.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.13% |
| Securities to assets | 11.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.34% | 14.34% | 15.59% | 11.98% | 2.95% |
| Q4 2023 | 14.13% | 14.13% | 15.38% | 12.07% | 2.81% |
| Q1 2024 | 14.41% | 14.41% | 15.66% | 12.42% | 2.79% |
| Q2 2024 | 14.89% | 14.89% | 16.14% | 12.53% | 2.80% |
| Q3 2024 | 15.39% | 15.39% | 16.64% | 12.60% | 2.85% |
| Q4 2024 | 14.67% | 14.67% | 15.92% | 11.70% | 2.75% |
| Q1 2025 | 15.24% | 15.24% | 16.49% | 12.01% | 2.59% |
| Q2 2025 | 14.89% | 14.89% | 16.11% | 12.06% | 2.54% |
| Q3 2025 | 15.27% | 15.27% | 16.52% | 12.00% | 2.90% |
| Q4 2025 | 14.18% | 14.18% | 15.43% | 11.87% | 2.63% |
| Q1 2026 | 14.25% | 14.25% | 15.48% | 11.85% | 2.37% |
| Q2 2026 | 14.24% | 14.24% | 15.49% | 11.68% | 2.33% |
Esquire Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Esquire Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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