Esquire Financial Holdings, Inc. — Form 8-K

Esquire Financial Holdings completed its acquisition of Signature Bancorporation on August 1, 2026, for $466.1 million in stock consideration. The merger added $1.90 billion in assets, $1.36 billion in loans, and $1.65 billion in deposits at fair value, with $246.9 million in goodwill and $49.3 million in core deposit intangible. Post-merger, combined company reported Q3 2026 net income of $17.5 million ($1.57 diluted EPS), up 34.7% from Q2; assets reached $4.75 billion, loans $3.31 billion, deposits $3.92 billion. Adjusted results exclude $8.9 million merger expenses and $1.8 million CDI amortization. Net interest margin held at 5.74% despite 30 bps decline from prior quarter. Litigation-related loans represent 42.5% of portfolio (down from 68.1% pre-merger); deposit diversification improved. Core systems conversion targeted for April 2027; no material customer attrition reported.