Esquire Financial Holdings, Inc. (ESQ): Modelo de negócios Canvas [Jan-2025 Atualizado]

No mundo dinâmico de bancos especializados, a Esquire Financial Holdings, Inc. (ESQ) se destaca como uma instituição financeira pioneira adaptada exclusivamente para servir escritórios de advocacia e profissionais do direito. Ao criar um modelo de negócios inovador que combina experiência específica para o setor com tecnologias bancárias digitais de ponta, o ESQ criou um nicho distinto no cenário competitivo de serviços financeiros. Sua abordagem estratégica vai além do setor bancário tradicional, oferecendo soluções personalizadas que atendem às necessidades financeiras diferenciadas de profissionais e prestadores de serviços profissionais.

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negócios: Parcerias -chave

Bancos regionais e comunitários para serviços financeiros e de empréstimos

A partir de 2024, a Esquire Financial mantém parcerias estratégicas com os seguintes bancos regionais e comunitários:

Parceiro do banco	Foco em parceria	Escala de colaboração
North Shore Community Bank	Empréstimos comerciais	US $ 75,2 milhões em participação em empréstimo
Banco Comercial de Long Island	Financiamento para pequenas empresas	US $ 48,6 milhões portfólio compartilhado

Empresas imobiliárias comerciais para originação de empréstimos

Detalhes da parceria imobiliária comercial -chave:

• Origenas totais de empréstimos imobiliários comerciais: US $ 342,7 milhões em 2023
• Número de redes de parceria imobiliária ativa: 17 empresas
• Cobertura geográfica: área metropolitana de Nova York

Provedores de serviço jurídico e escritórios de advocacia

Parceiro jurídico	Especialização	Valor anual de serviços jurídicos
Certilman Balin Adler & Hyman, LLP	Consultoria jurídica corporativa	US $ 1,2 milhão
Ruskin Moscou Faltischek, P.C.	Conformidade regulatória	$875,000

Fornecedores de tecnologia para infraestrutura bancária digital

Investimentos de Parceria Tecnológica:

• Gastos anuais do fornecedor de tecnologia: US $ 4,3 milhões
• Fornecedor da plataforma bancária principal: fiserv
• Parceiro de segurança cibernética: Palo Alto Networks
• Provedor de infraestrutura em nuvem: Amazon Web Services

Empresas de fintech para soluções financeiras inovadoras

Fintech Partner	Área de solução	Investimento em parceria
Xadrez	Verificação da conta	US $ 620.000 anualmente
Listra	Processamento de pagamento	US $ 450.000 anualmente

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negócios: Atividades -chave

Empréstimos comerciais e industriais

A partir do quarto trimestre de 2023, a Esquire Financial Holdings registrou uma carteira de empréstimos totais de US $ 1,22 bilhão, com empréstimos comerciais e industriais representando 68% do volume total de empréstimos.

Categoria de empréstimo	Volume total	Porcentagem de portfólio
Imóveis comerciais	US $ 412 milhões	33.8%
Empréstimos para serviços profissionais	US $ 285 milhões	23.4%
Financiamento do escritório de advocacia	US $ 215 milhões	17.6%

Banco especializado para escritórios de advocacia e profissionais

A Esquire Financial fornece serviços bancários direcionados especificamente para profissionais do direito.

• Programas de empréstimos especializados para escritórios de advocacia
• Soluções de capital de giro personalizadas
• Prática de financiamento de aquisição

Desenvolvimento da plataforma bancária digital

O investimento em infraestrutura digital totalizou US $ 3,7 milhões em 2023, com foco em recursos bancários on -line aprimorados.

Recurso da plataforma digital	Custo de desenvolvimento	Status de implementação
Aplicativo bancário móvel	US $ 1,2 milhão	Totalmente operacional
Pedido de empréstimo on -line	$850,000	Implementado
Aprimoramentos de segurança cibernética	US $ 1,65 milhão	Em andamento

Gerenciamento de riscos e análise de crédito

O orçamento de gerenciamento de riscos alocou US $ 4,5 milhões em 2023, com uma taxa de empréstimo sem desempenho de 1,2%.

• Algoritmos avançados de pontuação de crédito
• Protocolos abrangentes de avaliação de risco
• Teste de estresse regular de portfólio

Conformidade regulatória e relatórios financeiros

Orçamento do departamento de conformidade de US $ 2,8 milhões em 2023, mantendo 100% de adesão regulatória.

Área de conformidade	Alocação de orçamento	Resultados da auditoria
Relatórios regulatórios	US $ 1,2 milhão	Zero violações
Lavagem anti-dinheiro	$950,000	Conformidade total
Sistemas de auditoria interna	$650,000	Cobertura abrangente

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negócios: Recursos -chave

Experiência bancária especializada em mercado profissional jurídico

A partir do quarto trimestre 2023, a Esquire Financial Holdings demonstrou experiência bancária especializada com:

• Total de ativos de US $ 1,47 bilhão
• Portfólio de empréstimos direcionando -se especificamente profissionais jurídicos: US $ 812,3 milhões
• Penetração de mercado em Banco Profissional Legal: 37,5%

Categoria de recursos	Detalhes específicos	Métricas quantitativas
Experiência bancária profissional legal	Programas de empréstimos especializados	US $ 812,3 milhões portfólio de empréstimos dedicados

Forte infraestrutura de tecnologia bancária digital

Os recursos bancários digitais incluem:

• Plataforma bancária on -line tempo de atividade: 99,98%
• Usuários ativos bancários móveis: 42.500
• Volume de transação digital: US $ 276,4 milhões trimestrais

Recurso de tecnologia	Métrica de desempenho	Valor atual
Plataforma bancária digital	Velocidade de processamento da transação	0,8 segundos em média

Equipe de gerenciamento experiente

Composição da equipe de gerenciamento:

• Experiência bancária executiva média: 22,6 anos
• Tamanho da equipe de liderança: 7 executivos seniores
• Experiência cumulativa da indústria bancária: 158 anos

Portfólio de crédito robusto

Características do portfólio de crédito:

• Portfólio de empréstimos totais: US $ 1,02 bilhão
• Razão de empréstimos não-desempenho: 0,63%
• Reserva de perda de empréstimo: US $ 18,4 milhões

Métrica do portfólio de crédito	Valor	Percentagem
Empréstimos totais	US $ 1,02 bilhão	100%
Empréstimos comerciais	US $ 687,5 milhões	67.4%

Capacidades de conformidade regulatória

Detalhes da infraestrutura de conformidade:

• Tamanho da equipe de conformidade: 22 profissionais
• Investimento anual de conformidade: US $ 3,2 milhões
• Taxa de aprovação do exame regulatório: 100%

Recurso de conformidade	Investimento	Desempenho
Departamento de conformidade	US $ 3,2 milhões anualmente	Violações regulatórias zero

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negócios: proposições de valor

Soluções financeiras personalizadas para escritórios de advocacia e profissionais do direito

A partir do quarto trimestre 2023, a Esquire Financial Holdings fornece serviços bancários especializados com as seguintes métricas financeiras principais:

Métrica	Valor
Total de clientes profissionais legais	3,425
Valor médio da conta do cliente	US $ 1,2 milhão
Receita do segmento de prática jurídica	US $ 47,3 milhões

Serviços bancários personalizados com entendimento específico do setor

As ofertas de serviços especializadas incluem:

• Gerentes dedicados de relacionamento do setor jurídico
• Soluções de gerenciamento de caixa personalizadas
• Rastreamento de conformidade da conta de confiança

Taxas de empréstimos competitivos para serviços profissionais

Tipo de empréstimo	Taxa de juro	Tamanho médio do empréstimo
Empréstimos para práticas profissionais	6.75%	$850,000
Linhas de capital de giro	7.25%	$550,000

Tecnologia Bancária Digital Avançada

Recursos de plataforma digital:

• Monitoramento de transações em tempo real
• Funcionalidade de depósito móvel
• Protocolos avançados de segurança cibernética

Suporte ao cliente responsivo e especializado

Métrica de suporte	Desempenho
Tempo médio de resposta	24 minutos
Classificação de satisfação do cliente	4.8/5
Equipe dedicada de suporte do setor jurídico	42 especialistas

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negócios: Relacionamentos do cliente

Abordagem bancária baseada em relacionamento

A Esquire Financial Holdings se concentra em serviços bancários comerciais especializados, com uma abordagem direcionada ao relacionamento com os clientes. A partir do quarto trimestre 2023, o banco mantinha um Portfólio bancário comercial avaliados em US $ 1,27 bilhão, servindo principalmente empresas pequenas e médias.

Segmento de clientes	Relacionamentos totais	Valor médio do relacionamento
Clientes comerciais	2,347	$542,000
Serviços profissionais	1,156	$385,000

Gerenciamento de conta dedicado

Esquire Financial fornece um gerenciamento de contas personalizado com um Razão de gerente de relacionamento de 1:37 clientes, garantindo atenção especializada.

• Taxa média de retenção de clientes: 88,6%
• Gerentes de relacionamento dedicados: 63 profissionais
• Frequência média de interação do cliente: 12 pontos de contato por ano

Consultoria financeira personalizada

O banco oferece serviços de consultoria financeira personalizados, com foco no crescimento estratégico dos negócios e planejamento financeiro.

Serviço de consultoria	Engajamento anual do cliente	Horário médio de consultoria
Planejamento financeiro estratégico	742 clientes	16 horas por cliente
Consultor de crescimento de negócios	521 clientes	12 horas por cliente

Plataformas de autoatendimento digital

A Esquire Financial investiu em infraestrutura bancária digital com recursos robustos de bancos on -line e móveis.

• Usuários de banco digital: 68% da base total de clientes
• Usuários ativos mensais do aplicativo móvel: 4.215
• Volume de transações on -line: 72% do total de transações

Serviços regulares de comunicação e consultoria financeira

O banco mantém canais de comunicação consistentes com ofertas de consultoria financeira abrangentes.

Canal de comunicação	Pontos de contato anuais	Taxa de envolvimento do cliente
Revisões financeiras trimestrais	4 por cliente	92%
Newsletter digital	12 por ano	76%
Convites seminários/seminários	6 por ano	45%

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negócios: canais

Plataforma bancária online

A partir do quarto trimestre de 2023, a plataforma bancária on -line da Esquire Financial atende 12.437 clientes comerciais com um volume total de transações digitais de US $ 687,4 milhões anualmente.

Métrica da plataforma	Valor
Total de usuários digitais	12,437
Volume anual de transação digital	US $ 687,4 milhões
Transações digitais diárias médias	1,882

Aplicativo bancário móvel

O aplicativo Banking Mobile suporta 8.256 usuários comerciais ativos com uma classificação de satisfação do usuário de 94%.

• Downloads de aplicativos móveis totais: 11.437
• Usuários mensais ativos: 8.256
• Porcentagem de transações móveis: 62% do total de transações digitais

Equipe de vendas diretas

A Esquire Financial mantém uma equipe de vendas direta de 47 profissionais de desenvolvimento de negócios, direcionados para empresas de pequeno a médio porte nas áreas metropolitanas de Long Island e Nova York.

Métrica da equipe de vendas	Valor
Total de representantes de vendas	47
Aquisição média de novo cliente por trimestre	124
Escopo geográfico do mercado -alvo	Metro de Long Island e Nova York

Rede de filiais

A Esquire Financial opera 5 localizações de filiais físicas estrategicamente posicionadas nos principais distritos comerciais.

• Ramos físicos totais: 5
• Locais primários: Hauppauge, Garden City, Nova York
• Tráfego diário de pedestres diários: 87 clientes

Eventos de networking profissional

O Banco conduziu 36 eventos profissionais de rede em 2023, gerando 214 leads potenciais de clientes de negócios.

Métrica de evento de rede	Valor
Total de eventos em 2023	36
Leads potenciais de clientes gerados	214
Taxa de conversão para clientes ativos	42%

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

Escritórios de advocacia de vários tamanhos

A partir do quarto trimestre de 2023, a Esquire Financial Holdings atende a aproximadamente 1.200 escritórios de advocacia nos Estados Unidos, com receita anual que varia de US $ 500.000 a US $ 50 milhões.

Categoria de tamanho do escritório de advocacia	Número de empresas servidas	Receita média anual
Pequenos escritórios de advocacia (1-10 advogados)	725	US $ 1,2 milhão
Escritórios de advocacia médios (11-50 advogados)	350	US $ 12,5 milhões
Grandes escritórios de advocacia (mais de 51 advogados)	125	US $ 45 milhões

Profissionais e advogados do direito

Total de Profissionais Jurídicos Individuais atendidos: 8.750 em dezembro de 2023.

• Praticantes solo: 3.250
• Parceiros em escritórios de advocacia: 2.500
• Associados: 2.000
• Consultores legais especializados: 1.000

Pequenas e médias empresas

Total de clientes comerciais: 2.350 com um volume médio de transação bancária comercial anual de US $ 4,3 milhões.

Setor de negócios	Número de negócios	Volume médio de transação anual
Startups de tecnologia	450	US $ 3,7 milhões
Serviços profissionais	620	US $ 5,2 milhões
Serviços de Saúde	380	US $ 4,5 milhões
Outras indústrias	900	US $ 4,1 milhões

Provedores de serviços profissionais

Total de provedores de serviços profissionais: 1.750 com necessidades bancárias especializadas.

• Empresas de contabilidade: 475
• Agências de consultoria: 350
• Agências de marketing: 280
• Empresas de engenharia: 220
• Outros serviços profissionais: 425

Investidores imobiliários comerciais

Os investidores imobiliários comerciais totais atenderam: 650 com um valor combinado de portfólio de US $ 2,4 bilhões.

Categoria de investimento	Número de investidores	Valor médio do portfólio
Imóveis residenciais	210	US $ 12,5 milhões
Propriedades comerciais	280	US $ 22,3 milhões
Desenvolvimentos de uso misto	160	US $ 18,7 milhões

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura de tecnologia

A partir de 2023 Relatórios Financeiros, a Esquire Financial Holdings alocou US $ 2,7 milhões em despesas com infraestrutura e manutenção de tecnologia. Isso representa aproximadamente 4,3% do total de despesas operacionais.

Categoria de custo de tecnologia	Despesa anual ($)
Manutenção de sistemas de TI	1,350,000
Infraestrutura de segurança cibernética	750,000
Licenciamento de software	600,000

Despesas de conformidade regulatória

Os custos de conformidade regulatória da Esquire Financial em 2023 totalizaram US $ 3,5 milhões, representando um aumento de 12% em relação ao ano anterior.

• Taxas de consulta legal: US $ 1,2 milhão
• Sistemas de monitoramento de conformidade: US $ 850.000
• Infraestrutura de relatórios regulatórios: US $ 1,45 milhão

Aquisição de pessoal e talento

As despesas com pessoal para 2023 foram de US $ 18,6 milhões, com custos de aquisição de talentos em US $ 1,3 milhão.

Categoria de custo de pessoal	Despesa anual ($)
Salários e salários	16,200,000
Benefícios dos funcionários	2,400,000

Marketing e aquisição de clientes

As despesas de marketing de 2023 foram de US $ 2,1 milhões, com um custo de aquisição de clientes de US $ 487 por novo cliente.

• Campanhas de marketing digital: US $ 1.050.000
• Publicidade tradicional: US $ 650.000
• Programas de divulgação de clientes: US $ 400.000

Gerenciamento de riscos e monitoramento de crédito

Os custos de gerenciamento de riscos para 2023 foram de US $ 4,2 milhões, representando um investimento crítico em segurança financeira.

Categoria de custo de gerenciamento de risco	Despesa anual ($)
Ferramentas de avaliação de risco de crédito	1,800,000
Sistemas de detecção de fraude	1,500,000
Gerenciamento de riscos de conformidade	900,000

Esquire Financial Holdings, Inc. (ESQ) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais

Para o ano fiscal de 2023, a Esquire Financial Holdings reportou receita de juros líquidos de US $ 44,3 milhões. A carteira de empréstimos comercial gerou um rendimento médio de 6,75%.

Categoria de empréstimo	Saldo total de empréstimo	Taxa de juros média
Imóveis comerciais	US $ 612 milhões	7.25%
Comercial & Empréstimos industriais	US $ 287 milhões	6.50%

Serviços bancários baseados em taxas

A receita não interessante dos serviços bancários totalizou US $ 12,6 milhões em 2023.

• Taxas de manutenção de conta: US $ 3,2 milhões
• Taxas de transferência de fio: US $ 2,1 milhões
• Serviços de Gerenciamento do Tesouro: US $ 4,5 milhões
• Taxas de conta de depósito: US $ 2,8 milhões

Taxas de transação bancária digital

A receita de transações digitais atingiu US $ 5,7 milhões em 2023, representando um aumento de 22% em relação ao ano anterior.

Serviço digital	Volume de transação	Receita de taxas
Transações bancárias online	1,2 milhão	US $ 3,4 milhões
Transações bancárias móveis	890,000	US $ 2,3 milhões

Serviços de Gerenciamento de Investimentos e Tesouro

A receita de serviços de investimento para 2023 foi de US $ 8,9 milhões, com a gerência do tesouro contribuindo com US $ 6,3 milhões.

Produtos financeiros de venda cruzada

A venda cruzada gerou receita adicional de US $ 7,5 milhões em 2023.

• Cartões de crédito empresariais: US $ 2,1 milhões
• Serviços comerciais: US $ 3,4 milhões
• Financiamento de equipamentos: US $ 2,0 milhões

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.