Esquire Financial Holdings, Inc. (ESQ): Business Model Canvas [Jan-2025 Mis à jour]

Dans le monde dynamique de la banque spécialisée, Esquire Financial Holdings, Inc. (ESQ) se distingue comme une institution financière pionnière adaptée à des cabinets d'avocats et des professionnels du droit. En créant un modèle commercial innovant qui mélange une expertise spécifique à l'industrie avec des technologies bancaires numériques de pointe, l'ESQ a sculpté un créneau distinctif dans le paysage des services financiers concurrentiels. Leur approche stratégique va au-delà de la banque traditionnelle, offrant des solutions personnalisées qui répondent aux besoins financiers nuancés des praticiens juridiques et des prestataires de services professionnels.

Esquire Financial Holdings, Inc. (ESQ) - Modèle commercial: partenariats clés

Banques régionales et communautaires pour les services de prêt et financiers

En 2024, Esquire Financial maintient des partenariats stratégiques avec les banques régionales et communautaires suivantes:

Partenaire de banque	Focus de partenariat	Échelle de collaboration
Banque communautaire de la Côte Nord	Prêts commerciaux	75,2 millions de dollars participation au prêt
Banque commerciale de Long Island	Financement des petites entreprises	Portfolio partagé de 48,6 millions de dollars

Entreprises immobilières commerciales pour l'origine du prêt

Détails clés de partenariat immobilier commercial:

• Originations totales de prêts immobiliers commerciaux: 342,7 millions de dollars en 2023
• Nombre de réseaux de partenariat immobilier actif: 17 entreprises
• Couverture géographique: région métropolitaine de New York

Fournisseurs de services juridiques et cabinets d'avocats

Partenaire juridique	Spécialisation	Valeur annuelle des services juridiques
Certilman Balin Adler & Hyman, LLP	Avis juridique des entreprises	1,2 million de dollars
Ruskin Moscou Faltischek, P.C.	Conformité réglementaire	$875,000

Vendeurs technologiques pour l'infrastructure bancaire numérique

Investissements en partenariat technologique:

• Total des dépenses annuelles de la technologie annuelle: 4,3 millions de dollars
• Vendeur de la plate-forme bancaire de base: Fiserv
• Partenaire de cybersécurité: réseaux Palo Alto
• Fournisseur d'infrastructure cloud: services Web Amazon

FinTech Companies pour des solutions financières innovantes

Partenaire fintech	Zone de solution	Investissement de partenariat
Plaid	Vérification du compte	620 000 $ par an
Bande	Traitement des paiements	450 000 $ par an

Esquire Financial Holdings, Inc. (ESQ) - Modèle d'entreprise: Activités clés

Prêts commerciaux et industriels

Au quatrième trimestre 2023, Esquire Financial Holdings a déclaré un portefeuille de prêts total de 1,22 milliard de dollars, les prêts commerciaux et industriels représentant 68% du volume total de prêt.

Catégorie de prêt	Volume total	Pourcentage de portefeuille
Immobilier commercial	412 millions de dollars	33.8%
Prêts de services professionnels	285 millions de dollars	23.4%
Financement des cabinets d'avocats	215 millions de dollars	17.6%

Banque spécialisée pour les cabinets d'avocats et les professionnels

Esquire Financial fournit des services bancaires ciblés spécifiquement pour les professionnels du droit.

• Programmes de prêt spécialisés pour les cabinets d'avocats
• Solutions de fonds de roulement personnalisés
• Financement d'acquisition de pratique

Développement de la plate-forme bancaire numérique

L'investissement dans les infrastructures numériques a totalisé 3,7 millions de dollars en 2023, en se concentrant sur des capacités bancaires en ligne améliorées.

Fonctionnalité de plate-forme numérique	Coût de développement	Statut d'implémentation
Application bancaire mobile	1,2 million de dollars	Pleinement opérationnel
Demande de prêt en ligne	$850,000	Mis en œuvre
Améliorations de la cybersécurité	1,65 million de dollars	En cours

Gestion des risques et analyse du crédit

Le budget de la gestion des risques a alloué 4,5 millions de dollars en 2023 avec un ratio de prêts non performants de 1,2%.

• Algorithmes de notation de crédit avancé
• Protocoles d'évaluation des risques complets
• Test de contrainte de portefeuille régulier

Conformité réglementaire et rapport financier

Budget du Département de la conformité de 2,8 millions de dollars en 2023, en maintenant une adhésion réglementaire à 100%.

Zone de conformité	Allocation budgétaire	Résultats d'audit
Représentation réglementaire	1,2 million de dollars	Violations zéro
Anti-blanchiment	$950,000	Compliance complète
Systèmes d'audit interne	$650,000	Couverture complète

Esquire Financial Holdings, Inc. (ESQ) - Modèle d'entreprise: Ressources clés

Expertise bancaire spécialisée sur le marché des professionnels juridiques

Au quatrième trimestre 2023, Esquire Financial Holdings a démontré une expertise bancaire spécialisée avec:

• Actif total de 1,47 milliard de dollars
• Portefeuille de prêts ciblant spécifiquement les professionnels du droit: 812,3 millions de dollars
• Pénétration du marché dans la banque professionnelle juridique: 37,5%

Catégorie de ressources	Détails spécifiques	Métriques quantitatives
Expertise en banque professionnelle juridique	Programmes de prêt spécialisés	Portfolio de prêts dédiés 812,3 millions de dollars

Forte infrastructure de technologie bancaire numérique

Les capacités bancaires numériques comprennent:

• Plate-forme bancaire en ligne de disponibilité: 99,98%
• Banque mobile utilisateurs actifs: 42 500
• Volume de transaction numérique: 276,4 millions de dollars trimestriels

Ressource technologique	Métrique de performance	Valeur actuelle
Plate-forme bancaire numérique	Vitesse de traitement des transactions	0,8 seconde moyenne

Équipe de gestion expérimentée

Composition de l'équipe de gestion:

• Expérience bancaire moyenne: 22,6 ans
• Taille de l'équipe de leadership: 7 cadres supérieurs
• Expérience de l'industrie bancaire cumulée: 158 ans

Portefeuille de crédit robuste

Caractéristiques du portefeuille de crédit:

• Portefeuille de prêts totaux: 1,02 milliard de dollars
• Ratio de prêts non performants: 0,63%
• Réserve de perte de prêt: 18,4 millions de dollars

Métrique du portefeuille de crédit	Valeur	Pourcentage
Prêts totaux	1,02 milliard de dollars	100%
Prêts commerciaux	687,5 millions de dollars	67.4%

Capacités de conformité réglementaire

Détails de l'infrastructure de conformité:

• Taille de l'équipe de conformité: 22 professionnels
• Investissement annuel de conformité: 3,2 millions de dollars
• Taux de réussite de l'examen réglementaire: 100%

Ressource de conformité	Investissement	Performance
Service de conformité	3,2 millions de dollars par an	Violations réglementaires zéro

Esquire Financial Holdings, Inc. (ESQ) - Modèle d'entreprise: propositions de valeur

Solutions financières adaptées aux cabinets d'avocats et aux professionnels du droit

Au quatrième trimestre 2023, Esquire Financial Holdings fournit des services bancaires spécialisés avec les principales mesures financières suivantes:

Métrique	Valeur
Clients professionnels juridiques totaux	3,425
Valeur du compte client moyen	1,2 million de dollars
Revenu du segment de pratique juridique	47,3 millions de dollars

Services bancaires personnalisés avec une compréhension spécifique à l'industrie

Les offres de services spécialisées comprennent:

• Gestionnaires de relations juridiques dédiés
• Solutions de gestion de trésorerie personnalisées
• Suivi de la conformité du compte en fiducie

Taux de prêt compétitifs pour les services professionnels

Type de prêt	Taux d'intérêt	Taille moyenne du prêt
Prêts de pratique professionnelle	6.75%	$850,000
Lignes de roulement	7.25%	$550,000

Technologie des banques numériques avancées

Capacités de plate-forme numérique:

• Surveillance des transactions en temps réel
• Fonctionnalité de dépôt mobile
• Protocoles avancés de cybersécurité

Support client réactif et spécialisé

Métrique de soutien	Performance
Temps de réponse moyen	24 minutes
Évaluation de satisfaction du client	4.8/5
Équipe de soutien du secteur juridique dédié	42 spécialistes

Esquire Financial Holdings, Inc. (ESQ) - Modèle d'entreprise: relations clients

Approche bancaire basée sur les relations

Esquire Financial Holdings se concentre sur des services bancaires commerciaux spécialisés avec une approche ciblée des relations avec les clients. Au quatrième trimestre 2023, la banque a maintenu un portefeuille bancaire commercial Évalué à 1,27 milliard de dollars, servant principalement de petites et moyennes entreprises.

Segment de clientèle	Relations totales	Valeur de relation moyenne
Clients commerciaux	2,347	$542,000
Services professionnels	1,156	$385,000

Gestion de compte dédiée

Esquire Financial fournit une gestion personnalisée des comptes Ratio de gestionnaire de relations de 1:37 clients, garantissant une attention spécialisée.

• Taux moyen de rétention de la clientèle: 88,6%
• Gestionnaires des relations dédiées: 63 professionnels
• Fréquence moyenne d'interaction du client: 12 points de contact par an

Conseil financier personnalisé

La banque offre aux services de conseil financier sur mesure en mettant l'accent sur la croissance stratégique des entreprises et la planification financière.

Service de conseil	Engagement annuel du client	Heures de consultation moyennes
Planification financière stratégique	742 clients	16 heures par client
Avis de croissance des entreprises	521 clients	12 heures par client

Plates-formes de libre-service numériques

Esquire Financial a investi dans des infrastructures bancaires numériques avec des capacités robustes en ligne et des banques mobiles.

• Utilisateurs bancaires numériques: 68% de la base client totale
• Application mobile Utilisateurs actifs mensuels: 4 215
• Volume de transaction en ligne: 72% du total des transactions

Services réguliers de communication et de conseil financier

La banque maintient des canaux de communication cohérents avec des offres de conseil financier complètes.

Canal de communication	Points de contact annuels	Taux d'engagement client
Revues financières trimestrielles	4 par client	92%
Newsletter numérique	12 par an	76%
Invitations webinaires / séminaires	6 par an	45%

Esquire Financial Holdings, Inc. (ESQ) - Modèle d'entreprise: canaux

Plateforme bancaire en ligne

Au quatrième trimestre 2023, la plate-forme bancaire en ligne d'Esquire Financial dessert 12 437 clients commerciaux avec un volume total de transactions numériques de 687,4 millions de dollars par an.

Métrique de la plate-forme	Valeur
Total des utilisateurs numériques	12,437
Volume annuel de transaction numérique	687,4 millions de dollars
Transactions numériques quotidiennes moyennes	1,882

Application bancaire mobile

L'application bancaire mobile prend en charge 8 256 utilisateurs professionnels actifs avec une cote de satisfaction de l'utilisateur de 94%.

• Téléchargements totaux d'applications mobiles: 11 437
• Utilisateurs mensuels actifs: 8 256
• Pourcentage de transaction mobile: 62% du total des transactions numériques

Équipe de vente directe

Esquire Financial maintient une équipe de vente directe de 47 professionnels du développement commercial ciblant les petites et moyennes entreprises de Long Island et des zones métropolitaines de New York.

Métrique de l'équipe de vente	Valeur
Représentants des ventes totales	47
Acquisition moyenne de clients moyens par trimestre	124
Target géographique du marché cible	Metro de Long Island et New York

Réseau de succursale

Esquire Financial exploite 5 emplacements de succursales physiques stratégiquement positionnés dans les principaux quartiers commerciaux.

• Branches physiques totales: 5
• Emplacements principaux: Hauppauge, Garden City, New York City
• Trafficage à pied de la branche quotidienne moyen: 87 clients

Événements de réseautage professionnel

La banque a organisé 36 événements de réseautage professionnel en 2023, générant 214 prospects commerciaux potentiels.

Métrique de l'événement de réseautage	Valeur
Événements totaux en 2023	36
Les chefs de file du client potentiels générés	214
Taux de conversion en clients actifs	42%

Esquire Financial Holdings, Inc. (ESQ) - Modèle d'entreprise: segments de clientèle

Des cabinets d'avocats de différentes tailles

Au quatrième trimestre 2023, Esquire Financial Holdings dessert environ 1 200 cabinets d'avocats aux États-Unis avec des revenus annuels allant de 500 000 $ à 50 millions de dollars.

Catégorie de taille de cabinet d'avocats	Nombre d'entreprises servies	Revenus annuels moyens
Petits cabinets d'avocats (1-10 avocats)	725	1,2 million de dollars
Des cabinets d'avocats moyens (11-50 avocats)	350	12,5 millions de dollars
De grands cabinets d'avocats (plus de 51 avocats)	125	45 millions de dollars

Professionnels du droit et avocats

Le total des professionnels du droit individuel a servi: 8 750 en décembre 2023.

• Praticiens en solo: 3 250
• Partenaires des cabinets d'avocats: 2 500
• Associés: 2 000
• Consultants juridiques spécialisés: 1 000

Petites et moyennes entreprises

Clients commerciaux totaux: 2 350 avec un volume de transaction bancaire commercial annuel moyen de 4,3 millions de dollars.

Secteur des affaires	Nombre d'entreprises	Volume de transaction annuel moyen
Startups technologiques	450	3,7 millions de dollars
Services professionnels	620	5,2 millions de dollars
Services de santé	380	4,5 millions de dollars
Autres industries	900	4,1 millions de dollars

Fournisseurs de services professionnels

Total des prestataires de services professionnels: 1 750 avec des besoins bancaires spécialisés.

• Cabinets comptables: 475
• Agences de conseil: 350
• Agences de marketing: 280
• Entreprises d'ingénierie: 220
• Autres services professionnels: 425

Investisseurs immobiliers commerciaux

Les investisseurs immobiliers commerciaux totaux ont servi: 650 avec une valeur de portefeuille combinée de 2,4 milliards de dollars.

Catégorie d'investissement	Nombre d'investisseurs	Valeur de portefeuille moyenne
Immobilier résidentiel	210	12,5 millions de dollars
Propriétés commerciales	280	22,3 millions de dollars
Développements à usage mixte	160	18,7 millions de dollars

Esquire Financial Holdings, Inc. (ESQ) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

En 2023 rapports financiers, Esquire Financial Holdings a alloué 2,7 millions de dollars aux frais d'infrastructure technologique et de maintenance. Cela représente environ 4,3% du total des dépenses d'exploitation.

Catégorie de coûts technologiques	Dépenses annuelles ($)
Maintenance des systèmes informatiques	1,350,000
Infrastructure de cybersécurité	750,000
Licence de logiciel	600,000

Frais de conformité réglementaire

Les coûts de conformité réglementaire pour Esquire Financial en 2023 ont totalisé 3,5 millions de dollars, ce qui représente une augmentation de 12% par rapport à l'année précédente.

• Frais de consultation juridique: 1,2 million de dollars
• Systèmes de surveillance de la conformité: 850 000 $
• Infrastructure de rapport réglementaire: 1,45 million de dollars

Acquisition du personnel et des talents

Les dépenses du personnel pour 2023 étaient de 18,6 millions de dollars, avec des frais d'acquisition de talents à 1,3 million de dollars.

Catégorie de coût du personnel	Dépenses annuelles ($)
Salaires et salaires	16,200,000
Avantages sociaux	2,400,000

Marketing et acquisition de clients

Les dépenses de marketing pour 2023 étaient de 2,1 millions de dollars, avec un coût d'acquisition du client de 487 $ par nouveau client.

• Campagnes de marketing numérique: 1 050 000 $
• Publicité traditionnelle: 650 000 $
• Programmes de sensibilisation des clients: 400 000 $

Gestion des risques et surveillance du crédit

Les coûts de gestion des risques pour 2023 étaient de 4,2 millions de dollars, ce qui représente un investissement critique dans la sécurité financière.

Catégorie de coûts de gestion des risques	Dépenses annuelles ($)
Outils d'évaluation des risques de crédit	1,800,000
Systèmes de détection de fraude	1,500,000
Gestion des risques de conformité	900,000

Esquire Financial Holdings, Inc. (ESQ) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts commerciaux

Pour l'exercice 2023, Esquire Financial Holdings a déclaré un revenu net d'intérêts de 44,3 millions de dollars. Le portefeuille de prêts commerciaux a généré un rendement moyen de 6,75%.

Catégorie de prêt	Solde total des prêts	Taux d'intérêt moyen
Immobilier commercial	612 millions de dollars	7.25%
Commercial & Prêts industriels	287 millions de dollars	6.50%

Services bancaires basés sur les frais

Les revenus sans intérêt provenant des services bancaires ont totalisé 12,6 millions de dollars en 2023.

• Frais de maintenance du compte: 3,2 millions de dollars
• Frais de transfert de fil: 2,1 millions de dollars
• Services de gestion du Trésor: 4,5 millions de dollars
• Frais de compte de dépôt: 2,8 millions de dollars

Frais de transaction bancaire numérique

Les revenus des transactions numériques ont atteint 5,7 millions de dollars en 2023, ce qui représente une augmentation de 22% par rapport à l'année précédente.

Service numérique	Volume de transaction	Revenus des frais
Transactions bancaires en ligne	1,2 million	3,4 millions de dollars
Transactions bancaires mobiles	890,000	2,3 millions de dollars

Services d'investissement et de gestion du trésor

Les revenus des services d'investissement pour 2023 étaient de 8,9 millions de dollars, la direction du Trésor, contribuant à 6,3 millions de dollars.

Produits financiers à vente croisée

La vente croisée a généré des revenus supplémentaires de 7,5 millions de dollars en 2023.

• Cartes de crédit commerciales: 2,1 millions de dollars
• Services marchands: 3,4 millions de dollars
• Financement de l'équipement: 2,0 millions de dollars

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.