Risk factors

Esquire Financial Holdings (ESQ) risk factors

Item 1A of every Esquire Financial Holdings, Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    56 risks, 12 new, 1 dropped, 7 reworded since the prior year. Acquisition activity, specifically the pending merger with Signature, dominates the risk disclosures and points to rapid corporate growth. Uninsured deposits grew to $685.1 million, representing 33% of total bank deposits.

    Filed Mar 13, 2026
  • FY2024 10-K risk factors

    45 risks. Commercial litigation loans drive asset concentration and credit risk. Operations are geographically concentrated in New York City. Deposit concentration among top clients creates funding vulnerability.

    Filed Mar 17, 2025