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. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors56 risks12 new1 dropped7 reworded
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 factors45 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