Esquire Financial Holdings, Inc. (ESQ): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el mundo dinámico de la banca especializada, Esquire Financial Holdings, Inc. (ESQ) se destaca como una institución financiera pionera adaptada exclusivamente para servir a las firmas de abogados y a los profesionales legales. Al elaborar un modelo de negocio innovador que combina la experiencia específica de la industria con tecnologías de banca digital de vanguardia, ESQ ha tallado un nicho distintivo en el panorama competitivo de los servicios financieros. Su enfoque estratégico va más allá de la banca tradicional, ofreciendo soluciones personalizadas que abordan las necesidades financieras matizadas de los profesionales legales y los proveedores de servicios profesionales.

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negocios: asociaciones clave

Bancos regionales y comunitarios para préstamos y servicios financieros

A partir de 2024, Esquire Financial mantiene asociaciones estratégicas con los siguientes bancos regionales y comunitarios:

Socio	Enfoque de asociación	Escala de colaboración
North Shore Community Bank	Préstamo comercial	$ 75.2 millones de participación en préstamos
Banco Comercial de Long Island	Financiación de pequeñas empresas	$ 48.6 millones de cartera compartida

Empresas de bienes raíces comerciales para el origen de préstamos

Detalles clave de la asociación inmobiliaria comercial:

• Originaciones totales de préstamos inmobiliarios comerciales: $ 342.7 millones en 2023
• Número de redes activas de asociación inmobiliaria: 17 empresas
• Cobertura geográfica: área metropolitana de Nueva York

Proveedores de servicios legales y firmas de abogados

Socio legal	Especialización	Valor anual de servicios legales
Certilman Balin Adler & Hyman, LLP	Asesoramiento legal corporativo	$ 1.2 millones
Ruskin Moscou Faltischek, P.C.	Cumplimiento regulatorio	$875,000

Proveedores de tecnología para infraestructura bancaria digital

Inversiones de asociación tecnológica:

• Gasto total de proveedores de tecnología anual: $ 4.3 millones
• Proveedor de plataforma bancaria central: Fiserv
• Socio de ciberseguridad: Palo Alto Networks
• Proveedor de infraestructura en la nube: Amazon Web Services

Empresas fintech para soluciones financieras innovadoras

Socio de fintech	Área de solución	Inversión en asociación
Tartán	Verificación de cuenta	$ 620,000 anualmente
Raya	Procesamiento de pagos	$ 450,000 anualmente

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negocio: actividades clave

Préstamos comerciales e industriales

A partir del cuarto trimestre de 2023, Esquire Financial Holdings reportó una cartera de préstamos totales de $ 1.22 mil millones, con préstamos comerciales e industriales que representan el 68% del volumen total de préstamos.

Categoría de préstamo	Volumen total	Porcentaje de cartera
Inmobiliario comercial	$ 412 millones	33.8%
Préstamos de servicios profesionales	$ 285 millones	23.4%
Financiación de abogados	$ 215 millones	17.6%

Banca especializada para firmas de abogados y profesionales

Esquire Financial ofrece servicios bancarios específicos específicamente para profesionales legales.

• Programas de préstamos especializados para firmas de abogados
• Soluciones de capital de trabajo personalizadas
• Financiación de adquisición de práctica

Desarrollo de la plataforma de banca digital

La inversión en infraestructura digital totalizó $ 3.7 millones en 2023, centrándose en capacidades bancarias en línea mejoradas.

Función de plataforma digital	Costo de desarrollo	Estado de implementación
Aplicación de banca móvil	$ 1.2 millones	Totalmente operativo
Solicitud de préstamo en línea	$850,000	Implementado
Mejoras de ciberseguridad	$ 1.65 millones	En curso

Gestión de riesgos y análisis de crédito

El presupuesto de gestión de riesgos asignó $ 4.5 millones en 2023 con un índice de préstamo no realizado de 1.2%.

• Algoritmos avanzados de puntuación crediticia
• Protocolos integrales de evaluación de riesgos
• Prueba de estrés de cartera regular

Cumplimiento regulatorio e informes financieros

Presupuesto del Departamento de Cumplimiento de $ 2.8 millones en 2023, manteniendo el 100% de adherencia regulatoria.

Área de cumplimiento	Asignación de presupuesto	Resultados de auditoría
Informes regulatorios	$ 1.2 millones	Cero violaciones
Anti-lavado de dinero	$950,000	Cumplimiento total
Sistemas de auditoría interna	$650,000	Cobertura integral

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negocio: recursos clave

Experiencia bancaria especializada en mercado profesional legal

A partir del cuarto trimestre de 2023, Esquire Financial Holdings demostró experiencia bancaria especializada con:

• Activos totales de $ 1.47 mil millones
• Portafolio de préstamos específicamente dirigido a profesionales legales: $ 812.3 millones
• Penetración del mercado en la banca profesional legal: 37.5%

Categoría de recursos	Detalles específicos	Métricas cuantitativas
Experiencia bancaria profesional legal	Programas de préstamos especializados	$ 812.3 millones de cartera de préstamos dedicados

Infraestructura de tecnología de banca digital fuerte

Las capacidades de banca digital incluyen:

• Plataforma de banca en línea Tiempo de actividad: 99.98%
• Usuarios activos de banca móvil: 42,500
• Volumen de transacción digital: $ 276.4 millones trimestral

Recurso tecnológico	Métrico de rendimiento	Valor actual
Plataforma de banca digital	Velocidad de procesamiento de transacciones	0.8 segundos promedio

Equipo de gestión experimentado

Composición del equipo de gestión:

• Experiencia bancaria ejecutiva promedio: 22.6 años
• Tamaño del equipo de liderazgo: 7 ejecutivos altos
• Experiencia de la industria bancaria acumulativa: 158 años

Cartera de crédito robusta

Características de la cartera de crédito:

• Cartera de préstamos totales: $ 1.02 mil millones
• Relación de préstamos sin rendimiento: 0.63%
• Reserva de pérdida de préstamos: $ 18.4 millones

Métrica de cartera de crédito	Valor	Porcentaje
Préstamos totales	$ 1.02 mil millones	100%
Préstamos comerciales	$ 687.5 millones	67.4%

Capacidades de cumplimiento regulatorio

Detalles de la infraestructura de cumplimiento:

• Tamaño del equipo de cumplimiento: 22 profesionales
• Inversión anual de cumplimiento: $ 3.2 millones
• Tasa de aprobación del examen regulatorio: 100%

Recurso de cumplimiento	Inversión	Actuación
Departamento de cumplimiento	$ 3.2 millones anualmente	Violaciones regulatorias cero

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negocio: propuestas de valor

Soluciones financieras personalizadas para firmas de abogados y profesionales legales

A partir del cuarto trimestre de 2023, Esquire Financial Holdings ofrece servicios bancarios especializados con las siguientes métricas financieras clave:

Métrico	Valor
Total de clientes profesionales legales	3,425
Valor promedio de la cuenta del cliente	$ 1.2 millones
Ingresos del segmento de práctica legal	$ 47.3 millones

Servicios bancarios personalizados con comprensión específica de la industria

Las ofertas de servicios especializados incluyen:

• Gerentes de relaciones de la industria legal dedicada
• Soluciones de gestión de efectivo personalizadas
• Seguimiento de cumplimiento de la cuenta fiduciaria

Tasas de préstamos competitivos para servicios profesionales

Tipo de préstamo	Tasa de interés	Tamaño promedio del préstamo
Préstamos de práctica profesional	6.75%	$850,000
Líneas de capital de trabajo	7.25%	$550,000

Tecnología de banca digital avanzada

Capacidades de la plataforma digital:

• Monitoreo de transacciones en tiempo real
• Funcionalidad de depósito móvil
• Protocolos avanzados de ciberseguridad

Atención al cliente receptiva y especializada

Métrico de soporte	Actuación
Tiempo de respuesta promedio	24 minutos
Calificación de satisfacción del cliente	4.8/5
Equipo de apoyo del sector legal dedicado	42 especialistas

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negocios: relaciones con los clientes

Enfoque bancario basado en relaciones

Esquire Financial Holdings se centra en servicios de banca comercial especializados con un enfoque específico para las relaciones con los clientes. A partir del cuarto trimestre de 2023, el banco mantuvo un cartera de banca comercial valorado en $ 1.27 mil millones, sirviendo principalmente a empresas pequeñas a medianas.

Segmento de clientes	Relaciones totales	Valor de relación promedio
Clientes comerciales	2,347	$542,000
Servicios profesionales	1,156	$385,000

Gestión de cuentas dedicada

Esquire Financial proporciona gestión de cuentas personalizada con un Relación del administrador de relaciones de 1:37 clientes, asegurando atención especializada.

• Tasa promedio de retención del cliente: 88.6%
• Gerentes de relaciones dedicadas: 63 profesionales
• Frecuencia promedio de interacción del cliente: 12 puntos de contacto por año

Consultoría financiera personalizada

El banco ofrece servicios de consultoría financiera personalizada con un enfoque en el crecimiento estratégico de los negocios y la planificación financiera.

Servicio de consultoría	Compromiso anual del cliente	Horas de consultoría promedio
Planificación financiera estratégica	742 clientes	16 horas por cliente
Aviso de crecimiento comercial	521 clientes	12 horas por cliente

Plataformas de autoservicio digital

Esquire Financial ha invertido en infraestructura bancaria digital con capacidades sólidas de banca en línea y móvil.

• Usuarios de banca digital: 68% de la base total de clientes
• Aplicación móvil Usuarios activos mensuales: 4,215
• Volumen de transacciones en línea: 72% de las transacciones totales

Servicios regulares de comunicación y asesoramiento financiero

El banco mantiene canales de comunicación consistentes con ofertas de asesoramiento financiero integrales.

Canal de comunicación	Puntos de contacto anuales	Tasa de participación del cliente
Revisiones financieras trimestrales	4 por cliente	92%
Boletín digital	12 por año	76%
Invitaciones de seminarios para seminarios	6 por año	45%

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negocios: canales

Plataforma bancaria en línea

A partir del cuarto trimestre de 2023, la plataforma de banca en línea de Esquire Financial atiende a 12,437 clientes comerciales con un volumen total de transacciones digitales de $ 687.4 millones anuales.

Métrica de plataforma	Valor
Usuarios digitales totales	12,437
Volumen anual de transacción digital	$ 687.4 millones
Transacciones digitales diarias promedio	1,882

Aplicación de banca móvil

La aplicación de banca móvil admite 8,256 usuarios comerciales activos con una calificación de satisfacción del usuario del 94%.

• Descargas totales de aplicaciones móviles: 11,437
• Usuarios mensuales activos: 8,256
• Porcentaje de transacción móvil: 62% del total de transacciones digitales

Equipo de ventas directas

Esquire Financial mantiene un equipo de ventas directo de 47 profesionales de desarrollo de negocios dirigidos a pequeñas a medianas empresas en las áreas metropolitanas de Long Island y Nueva York.

Métrica del equipo de ventas	Valor
Representantes de ventas totales	47
Adquisición promedio de nuevos clientes por trimestre	124
Alcance geográfico del mercado objetivo	Metro de Long Island y Nueva York

Red de sucursales

Esquire Financial opera 5 ubicaciones de sucursales físicas ubicadas estratégicamente en distritos comerciales clave.

• Ramas físicas totales: 5
• Ubicaciones principales: Hauppauge, Garden City, Ciudad de Nueva York
• Térmico a pie de rama diaria promedio: 87 clientes

Eventos de redes profesionales

El banco realizó 36 eventos de redes profesionales en 2023, generando 214 potenciales clientes potenciales de clientes comerciales.

Métrica del evento de redes	Valor
Total de eventos en 2023	36
Proporciones potenciales de clientes generados	214
Tasa de conversión a clientes activos	42%

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negocio: segmentos de clientes

Bufetes de abogados de varios tamaños

A partir del cuarto trimestre de 2023, Esquire Financial Holdings atiende a aproximadamente 1,200 firmas de abogados en los Estados Unidos con ingresos anuales que van desde $ 500,000 a $ 50 millones.

Categoría de tamaño del bufete de abogados	Número de empresas atendidas	Ingresos anuales promedio
Pequeñas firmas de abogados (1-10 abogados)	725	$ 1.2 millones
Bufetes de abogados medianos (11-50 abogados)	350	$ 12.5 millones
Grandes firmas de abogados (más de 51 abogados)	125	$ 45 millones

Profesionales legales y abogados

Total de profesionales legales individuales sirvieron: 8.750 a diciembre de 2023.

• Practicantes en solitario: 3.250
• Socios en firmas de abogados: 2.500
• Asociados: 2,000
• Consultores legales especializados: 1,000

Empresas pequeñas a medianas

Total de clientes comerciales: 2,350 con un volumen promedio de transacciones de banca comercial anual de $ 4.3 millones.

Sector empresarial	Número de negocios	Volumen de transacción anual promedio
Startups tecnológicas	450	$ 3.7 millones
Servicios profesionales	620	$ 5.2 millones
Servicios de atención médica	380	$ 4.5 millones
Otras industrias	900	$ 4.1 millones

Proveedores de servicios profesionales

Total de proveedores de servicios profesionales: 1.750 con necesidades bancarias especializadas.

• Firmas de contabilidad: 475
• Agencias de consultoría: 350
• Agencias de marketing: 280
• Empresas de ingeniería: 220
• Otros servicios profesionales: 425

Inversores inmobiliarios comerciales

Los inversores inmobiliarios comerciales totales servían: 650 con un valor de cartera combinado de $ 2.4 mil millones.

Categoría de inversión	Número de inversores	Valor de cartera promedio
Inmobiliario residencial	210	$ 12.5 millones
Propiedades comerciales	280	$ 22.3 millones
Desarrollos de uso mixto	160	$ 18.7 millones

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negocio: Estructura de costos

Mantenimiento de la infraestructura tecnológica

A partir de los informes financieros de 2023, Esquire Financial Holdings asignó $ 2.7 millones para los gastos de infraestructura y mantenimiento de tecnología. Esto representa aproximadamente el 4.3% de los gastos operativos totales.

Categoría de costos tecnológicos	Gasto anual ($)
Mantenimiento de sistemas de TI	1,350,000
Infraestructura de ciberseguridad	750,000
Licencia de software	600,000

Gastos de cumplimiento regulatorio

Los costos de cumplimiento regulatorio para Esquire Financial en 2023 totalizaron $ 3.5 millones, lo que representa un aumento del 12% respecto al año anterior.

• Tarifas de consulta legal: $ 1.2 millones
• Sistemas de monitoreo de cumplimiento: $ 850,000
• Infraestructura de informes regulatorios: $ 1.45 millones

Adquisición de personal y talento

Los gastos de personal para 2023 fueron de $ 18.6 millones, con costos de adquisición de talento en $ 1.3 millones.

Categoría de costos de personal	Gasto anual ($)
Salarios y salarios	16,200,000
Beneficios para empleados	2,400,000

Marketing y adquisición de clientes

Los gastos de marketing para 2023 fueron de $ 2.1 millones, con un costo de adquisición de clientes de $ 487 por nuevo cliente.

• Campañas de marketing digital: $ 1,050,000
• Publicidad tradicional: $ 650,000
• Programas de divulgación de clientes: $ 400,000

Gestión de riesgos y monitoreo de crédito

Los costos de gestión de riesgos para 2023 fueron de $ 4.2 millones, lo que representa una inversión crítica en seguridad financiera.

Categoría de costos de gestión de riesgos	Gasto anual ($)
Herramientas de evaluación de riesgos de crédito	1,800,000
Sistemas de detección de fraude	1,500,000
Gestión de riesgos de cumplimiento	900,000

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos comerciales

Para el año fiscal 2023, Esquire Financial Holdings reportó ingresos por intereses netos de $ 44.3 millones. La cartera de préstamos comerciales generó un rendimiento promedio de 6.75%.

Categoría de préstamo	Saldo total del préstamo	Tasa de interés promedio
Inmobiliario comercial	$ 612 millones	7.25%
Comercial & Préstamos industriales	$ 287 millones	6.50%

Servicios bancarios basados ​​en tarifas

Los ingresos sin intereses de los servicios bancarios totalizaron $ 12.6 millones en 2023.

• Tarifas de mantenimiento de la cuenta: $ 3.2 millones
• Tasas de transferencia de cables: $ 2.1 millones
• Servicios de gestión del tesoro: $ 4.5 millones
• Tarifas de la cuenta de depósito: $ 2.8 millones

Tarifas de transacción bancaria digital

Los ingresos por transacciones digitales alcanzaron los $ 5.7 millones en 2023, lo que representa un aumento del 22% respecto al año anterior.

Servicio digital	Volumen de transacción	Ingresos por tarifas
Transacciones bancarias en línea	1.2 millones	$ 3.4 millones
Transacciones bancarias móviles	890,000	$ 2.3 millones

Servicios de inversión y gestión del tesoro

Los ingresos por servicios de inversión para 2023 fueron de $ 8.9 millones, y la gerencia del Tesoro contribuyó con $ 6.3 millones.

Productos financieros de venta cruzada

La venta cruzada generó ingresos adicionales de $ 7.5 millones en 2023.

• Tarjetas de crédito comerciales: $ 2.1 millones
• Servicios comerciales: $ 3.4 millones
• Financiamiento de equipos: $ 2.0 millones

Esquire Financial Holdings, Inc. (ESQ) - Canvas Business Model: Value Propositions

You're looking at what Esquire Financial Holdings, Inc. (ESQ) actually delivers to its customers, the core benefits that keep them banking there. It's not just about holding money; it's about specialized tools for specific, high-stakes clients.

For law firms, especially those working on contingency fees, the value proposition centers on unlocking capital tied up in litigation. They offer tailored financing solutions like Case Cost Financing, which lets firms cover out-of-pocket expenses using their case costs and inventory as collateral, rather than dipping into after-tax profits. For instance, one firm leveraging these solutions saw case fees grow by 26% and marketing expenses increase by 22% in a single year. Another example shows a partner firm doubling its case inventory while increasing marketing spend by +71% and revenue by +74% after partnering with Esquire Bank. This financing model underwrites based on projected fees and case costs, not just past performance, which is a key differentiator against corporate Goliaths.

From a pure performance standpoint, Esquire Financial Holdings, Inc. delivers industry-leading shareholder returns. For the third quarter of 2025, the reported Return on Average Equity (ROE) stood at an impressive 20.83%. This is paired with a resilient Net Interest Margin of 6.04% for the same quarter.

The dynamic, tech-enabled payment processing for small business merchants is a major component. As of the third quarter of 2025, the credit and debit card processing platform handled payment processing volumes totaling $10.1 billion, which was a 9.5% increase year-over-year. This volume was made up of 151.8 million transactions. The company manages daily risk across approximately 93,000 small business merchants operating in all 50 states. Payment processing income for Q3 2025 was $5.1 million.

Security and compliance are baked into the services for their specialized client base, particularly in the litigation vertical. The tech-enabled payments platform also supports secure, compliant IOLTA/escrow and commercial treasury clearing services. As of September 30, 2025, the longer duration IOLTA, escrow, and settlement deposits accounted for $1.02 billion, representing 54.2% of the total deposits of $1.88 billion. In that same quarter, Esquire Financial Holdings performed commercial treasury clearing services for $10.1 billion in credit and debit card payment volume across those 151.8 million transactions. Furthermore, approximately 75% of the $610.3 million in uninsured deposits are from clients with full commercial relationships, which includes law firm IOLTA/escrow accounts.

Here's a quick view of the scale of the payment and deposit relationship as of late 2025:

Metric	Value	Date/Period
Return on Average Equity (ROE)	20.83%	Q3 2025
Payment Processing Volume	$10.1 billion	Q3 2025
Payment Processing Transactions	151.8 million	Q3 2025
Number of Small Business Merchants Served	93,000	Q3 2025
IOLTA/Escrow & Settlement Deposits	$1.02 billion	September 30, 2025
Total Deposits	$1.88 billion	September 30, 2025

The specific benefits derived from these core offerings include:

• Access to capital for contingency fee law firms using case costs as collateral.
• Financial confidence allowing firms to invest in expansion and growth.
• Proprietary technology ensuring card brand and regulatory compliance.
• Risk management across 93,000 merchants in all 50 states.
• Low-cost core operating and escrow deposits funding loan growth.

Finance: draft 13-week cash view by Friday.

Esquire Financial Holdings, Inc. (ESQ) - Canvas Business Model: Customer Relationships

For Esquire Financial Holdings, Inc. (ESQ), customer relationships are built around securing deep, full-service commercial banking relationships within specialized national verticals, primarily the litigation industry. This approach is designed to generate low-cost, stable core deposits that fund higher-yielding commercial loan growth.

Dedicated Relationship Manager model for law firm clients

The client acquisition strategy heavily relies on a dedicated, high-touch sales force, evidenced by the success of the regional business development officer ('BDO') strategy. These BDOs, many with decades of experience servicing the litigation market, are key to attracting full-service commercial banking clients nationally. This effort directly impacts commercial lending and core-deposit growth. The litigation community represented approximately 75% of the deposit base at December 31, 2024. The focus on these specialized relationships yields long-duration deposits, which were $1.02 billion, or 54.2%, of total deposits as of September 30, 2025.

Relationship banking focus to secure full commercial relationships

Esquire Financial Holdings, Inc. (ESQ) explicitly states its deposit strategy focuses on developing full service commercial banking relationships nationally. This is achieved through commercial lending facilities, payment processing, and unique commercial cash management services within its two national verticals. The goal is to secure core deposits rather than competing solely on rate. The success of this relationship banking effort is visible in the deposit growth figures.

High-touch, customer-centric service model for specialized verticals

The high-touch service model complements the BDO sales efforts. Travel and business relations expenses increased by $375 thousand in Q3 2025, resulting from these high touch sales efforts that work alongside digital marketing. Furthermore, the bank supports the litigation community through thought leadership and digital resources. They created a website named "Lawyer IQ," a digital marketing content hub to assist law firms with growth, finance, and technology. This digital support, coupled with seasoned BDOs, creates deep relationships within the community.

Automated, tech-forward digital service for payment processing clients

As a digital-first, branchless bank, Esquire Financial Holdings, Inc. (ESQ) nurtures and builds client relationships nationally across digital channels. They expanded their use of Salesforce technology to power hyper-personalized sales and marketing, leveraging artificial intelligence and advanced data analytics to deliver real-time content. This technology focus is critical, as digital marketing initiatives now generate more than 50% of law firm leads. The tech-enabled commercial cash management platform supports deposit growth. The payment processing segment contributes directly to noninterest income, totaling $5.1 million for the third quarter of 2025.

The financial results from the third quarter of 2025 underscore the success of this relationship-driven model:

Metric	Value as of September 30, 2025	Context/Comparison
Total Deposits	$1.88 billion	Increased 24.5% year-over-year (Source 1)
Loan-to-Deposit Ratio	82%	Indicates strong loan deployment relative to deposits (Source 1, 3)
Core Deposits Growth (Linked Quarter)	$97.1 million, or 22% annualized	Comprised of low-cost commercial relationship deposits (Source 3)
Average Loan Growth (Linked Quarter)	$70.1 million, or 19% annualized	Fueled by commercial lending relationships (Source 1)
Payment Processing Income (Q3 2025)	$5.1 million	Commensurate with the prior year quarter (Source 1)

The efficiency ratio for the nine months ended September 30, 2025, was 48.7%, showing that investments in technology and people to support client service are managed efficiently.

• Investments in technology support client relationships and lead acquisition initiatives.
• The BDO strategy is directly related to increases in sales related commissions.
• The bank is committed to excellence in client service, supported by continuous resource investment.
• The bank opened a new Los Angeles banking facility, demonstrating commitment to the customer base.

Esquire Financial Holdings, Inc. (ESQ) - Canvas Business Model: Channels

You're looking at how Esquire Financial Holdings, Inc. gets its value proposition to its customers; it's a mix of digital scale and targeted physical presence, which is key for a bank serving niche national markets.

National litigation platform for remote banking and lending.

The national litigation platform is a primary channel for high-value commercial relationships. This platform is credited with supporting a resilient net interest margin of 6.04% for the third quarter of 2025, despite elevated cash balances. Esquire Financial Holdings, Inc. focuses on the $443 billion litigation vertical nationally. This remote-first approach allows Esquire Financial Holdings, Inc. to serve clients across all 50 states.

Tech-enabled payments platform serving 93,000 small business clients.

The tech-enabled payments channel serves small business owners across the country. As of the first quarter of 2025, this platform supported 90,000 small business clients nationally. By the third quarter of 2025, payment processing volumes for the credit and debit card platform increased to $29.5 billion across 445.1 million transactions for the nine months ended September 30, 2025.

Here's a look at the scale of the payments channel activity:

Metric	Period/Date	Value
Small Business Clients	Q1 2025	90,000
Credit/Debit Card Payment Volume (YTD)	Nine Months Ended Q3 2025	$29.5 billion
Transactions Processed (QTD)	Q1 2025	140.4 million
Fee Income (QTD)	Q3 2025	$15.1 million

Regional business development teams for core deposit growth.

Regional business development teams are the engine for acquiring low-cost core deposits, which fund asset growth. These efforts, combined with relationship banking, funded an increase in average interest earning assets totaling $372.8 million, or 23.5%, to $1.96 billion for the nine months ended September 30, 2025. For the third quarter of 2025, Esquire Financial Holdings, Inc. saw average core deposits grow by $103.1 million, representing an annualized growth rate of 23.4% on a linked quarter basis. This translated to a 22% annualized growth in core deposits for the quarter.

The key deposit channel metrics include:

• Core Deposit Annualized Growth (Linked Quarter): 23.4% (Q3 2025)
• Linked Quarter Core Deposit Dollar Growth: $103.1 million (Q3 2025)
• Total Deposits: $1.69 billion (as of March 31, 2025)
• Uninsured Deposits: $525.6 million (as of March 31, 2025)

Physical branch presence in Jericho, NY, and a new Los Angeles facility.

Esquire Financial Holdings, Inc. maintains a physical anchor in its home base and has expanded strategically to a key national market. The headquarters and one branch office are located in Jericho, New York. Esquire Financial Holdings, Inc. also has an administrative office in Boca Raton, Florida. A major channel expansion was the grand opening of the first full-service banking location in Los Angeles, California, scheduled for August 18, 2025. This new facility is located at 1925 Century Park East, Suite A, in Century City. This Los Angeles presence targets the legal community in Southern California, one of Esquire Financial Holdings, Inc.'s largest and most important markets.

Esquire Financial Holdings, Inc. (ESQ) - Canvas Business Model: Customer Segments

You're looking at the core groups Esquire Financial Holdings, Inc. (ESQ) targets with its specialized, tech-enabled banking and payment services. The focus is clearly on two vast national verticals, supported by a strong local presence in the New York metropolitan area.

Contingency fee law firms and litigation practices nationally.

This is a primary national vertical for Esquire Financial Holdings, Inc., where the Bank offers tailored financial solutions, including lending and deposit services for IOLTA/escrow accounts. The estimated market size for the litigation vertical is cited at $443 billion. Esquire Bank has lending clients across 31 states, though as of year-end 2024, New York, California, Texas, Pennsylvania, and Florida accounted for 71% of the law firm loan portfolio. The importance of this segment is reflected in deposit growth; litigation-related escrow or IOLTA deposits increased by $189.9 million, or 22.9%, year-over-year as of September 30, 2025, contributing to total deposits of $1.88 billion.

Law firm clients requiring IOLTA/escrow and operating accounts.

These accounts are integral to the litigation segment. As of June 30, 2025, approximately 75% of Esquire Financial Holdings, Inc.'s uninsured deposits represented clients with full commercial relationships, which explicitly includes law firm operating accounts and law firm IOLTA/escrow accounts. This deposit base is described as a key driver for core deposit growth, alongside noninterest bearing demand deposits, through the Bank's tech-enabled commercial cash management platform. The Bank's deposit strategy centers on developing these national relationships rather than competing solely on rate.

Small businesses across the U.S. requiring payment processing.

The second major national vertical is small business payment processing, targeting an estimated market size of $11 trillion as of 2024 filings. Esquire Financial Holdings, Inc. served 93,000 small business clients nationally as of the third quarter of 2025. This platform processed $10.1 billion in credit and debit card payment volume across 151.8 million transactions during the third quarter of 2025. This activity generates a stable source of fee income, which totaled $6.2 million in Q3 2025, representing 17% of total revenue for that quarter.

Here's a quick look at the quantitative scale of the two national verticals as of late 2025 data:

Customer Segment Focus	Metric	Latest Reported Figure (2025)
Small Business Payment Processing	Number of Clients Nationally	93,000
Small Business Payment Processing	Q3 2025 Payment Volume	$10.1 billion
Small Business Payment Processing	Q3 2025 Transactions	151.8 million
Litigation/Law Firms (IOLTA/Escrow)	YOY Deposit Increase (IOLTA) as of 9/30/2025	$189.9 million (22.9%)
Litigation/Law Firms (IOLTA/Escrow)	Total Deposits as of 9/30/2025	$1.88 billion

Commercial and retail customers in the New York metropolitan area.

Esquire Bank maintains a local presence to serve commercial and retail customers within the New York metropolitan area. This local focus is complemented by national expansion efforts. For instance, the Bank announced the opening of its flagship full-service banking facility in Los Angeles, California (Watt Plaza in Century City) during the third quarter of 2025 to support current and future clients in Southern California. The Bank also has an administrative office in Boca Raton, Florida.

You should note the following characteristics of the client relationships:

• The deposit strategy prioritizes developing full service commercial banking relationships nationally.
• Relationships are built through commercial lending facilities and payment processing services.
• Uninsured deposits are heavily concentrated in commercial relationship banking clients.
• Approximately 75% of uninsured deposits as of September 30, 2025, fall into this relationship category.
• This relationship group includes law firm accounts, merchant reserves, ISO reserves, and ACH processing.

Finance: draft 13-week cash view by Friday.

Esquire Financial Holdings, Inc. (ESQ) - Canvas Business Model: Cost Structure

You're mapping out the expense side of Esquire Financial Holdings, Inc.'s operations as of late 2025. Honestly, the cost structure reflects aggressive investment to fuel the national growth strategy, especially around the new physical presence and digital backbone.

Employee compensation and benefits, a key investment for growth, saw significant upward pressure. For the three months ended September 30, 2025, employee compensation and benefits costs increased by $1.3 million, which is a 13.9% rise compared to the same period in 2024. This increase is tied directly to sales commissions, bonuses, year-end stock grants, and staffing needs for the new Los Angeles banking facility. Over the first nine months of 2025, this cost line grew by $2.9 million, or 10.4%.

Data processing and technology costs for digital platforms are another major area of outlay, supporting the national litigation platform and lead acquisition. Data processing costs increased by $1.3 million for the nine months ended September 30, 2025, driven by higher core banking processing volumes and the continued implementation and improvement of technology supporting client relationships and risk management across all platforms.

Occupancy and equipment costs, including the new Los Angeles office, show the impact of physical expansion alongside technology amortization. For the three months ended September 30, 2025, occupancy and equipment costs increased by $176 thousand. For the nine months ended September 30, 2025, this category rose by $393 thousand, attributed to rent commencement for the new Los Angeles banking facility and amortization of internally developed software.

The overall efficiency of these investments is tracked closely. The efficiency ratio of Esquire Financial Holdings, Inc. was 48.9% for the three months ended September 30, 2025, compared to 48.1% in 2024. For the longer nine-month period ending September 30, 2025, the efficiency ratio stood at 48.7%, an improvement from 49.2% in 2024, even with the continuous investment in resources.

Here's a quick look at how some of the key noninterest expense drivers changed year-over-year for the nine months ending September 30, 2025:

• Employee compensation and benefits costs increased $2.9 million.
• Data processing costs increased $1.3 million.
• Professional and consulting services costs increased $1.3 million.
• Occupancy and equipment costs increased $393 thousand.
• Travel and business relations expenses increased $375 thousand due to Los Angeles opening travel and training.

The following table summarizes the reported increases in key expense components for the nine months ended September 30, 2025, reflecting the cost structure supporting Esquire Financial Holdings, Inc.'s growth initiatives:

Expense Component	Increase for Nine Months Ended Sept 30, 2025 (vs. 2024)	Percentage Increase (Nine Months Ended Sept 30, 2025)
Employee Compensation and Benefits	$2.9 million	10.4%
Data Processing Costs	$1.3 million	Not specified
Professional and Consulting Services Costs	$1.3 million	Not specified
Occupancy and Equipment Costs	$393 thousand	Not specified

The noninterest expense for the third quarter of 2025 totaled $18.4 million, a 19.5% increase over the third quarter of 2024. Finance: draft 13-week cash view by Friday.

Esquire Financial Holdings, Inc. (ESQ) - Canvas Business Model: Revenue Streams

The revenue streams for Esquire Financial Holdings, Inc. (ESQ) are fundamentally anchored in traditional banking activities, heavily supplemented by its technology-enabled payment processing platform.

Net Interest Income, derived primarily from commercial loans, forms the core of the revenue base. For the nine months ended September 30, 2025, Net Interest Income reached $88.2 million.

Noninterest Income contributes the secondary, yet significant, portion of total revenue. This stream is dominated by fees generated from the payment processing segment, which serves small business clients nationally.

The total revenue for Esquire Financial Holdings, Inc. for the nine months ended September 30, 2025, was reported at $107.2 million.

Here's a breakdown of the key components contributing to the revenue streams as of the nine months ended September 30, 2025, and the most recent quarterly data point for payment processing:

Revenue Component	Period Ending September 30, 2025	Specific Metric Detail
Net Interest Income	$88.2 million	For the nine months ended September 30, 2025.
Noninterest Income (Total)	$19.0 million	For the nine months ended September 30, 2025.
Payment Processing Income (Noninterest)	$15.1 million	For the nine months ended September 30, 2025.
Payment Processing Income (Quarterly)	$5.1 million	For the third quarter of 2025.
Administrative Service Income (ASP fees)	$2.3 million	For the nine months ended September 30, 2025.

You can see how the payment processing segment directly feeds the Noninterest Income line. For the third quarter of 2025 specifically, the payment processing income was $5.1 million. This is a key part of the Noninterest Income, which totaled $6.2 million for the third quarter of 2025.

The revenue composition for the nine months ended September 30, 2025, shows the reliance on interest income, but the growth in the payment platform is a distinct feature of Esquire Financial Holdings, Inc.'s model. The key drivers within the Noninterest Income stream include:

• Payment processing income for the nine months: $15.1 million.
• ASP fee income for the nine months: $2.3 million.
• Total Noninterest Income for the nine months: $19.0 million.

To be defintely clear on the scale, the $88.2 million in Net Interest Income represents the vast majority of the $107.2 million total revenue for the nine-month period.

Finance: draft 13-week cash view by Friday.