Esquire Bank National Association
Jericho, New York · $2.49B in assets · beside the 11 other New York banks between $1B and $3B
The filing
Esquire Bank National Association is the fifth largest of the 12 New York banks nearest its size between $1B and $3B, with $2.49B in assets at 30 June 2026. Loans are 86.5% of deposits, 6th of 11 against a median of 86.5%, and equity is 11.2% of assets, 5th of 11. Loans grew +27.6% in the year, 2nd of 12, and deposits grew 22.4%; the cohort's median loan growth is +11.1%.
Noncurrent loans are 0.27% of the book, 3rd of 12 against a median of 0.52%; 0.00% is 30 to 89 days past due, and the allowance covers them 4.8 times. Net charge-offs are 0.52% of loans, the highest in the cohort. Commercial real estate is 27.4% of loans, 4th of 12 against a median of 39.5%, and 166% of capital, below the 300% screen, with construction at 0% against the 100% screen.
Return on assets is 2.29%, the highest in the cohort against a median of 1.09%, on an efficiency ratio of 45.3%, the lowest in the cohort. Five years ago it was 1.97%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.
Commercial real estate against capital
| Esquire Bank National Association | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 166% | 4th of 11 | 241% |
| Construction against capital, the 100% screen | 0% | 2nd of 11 | 4% |
| Construction and land development, share of loans | 0.0% | 2nd of 12 | 1.1% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 6.6% | 2nd of 11 | 29.0% |
| Total CRE, the guidance definition, share of loans | 27.4% | 4th of 12 | 39.5% |
| CRE growth over 36 months, the third prong | +34.6% | 5th of 10 | +36.7% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $2.84B | 1.0% | 55.9% | 0.73% | 0.00% | 1.3% | 79.1% | 8.9% | |
| $2.82B | 1.4% | 58.1% | 0.38% | 0.01% | 1.1% | 99.9% | 10.8% | |
| $2.79B | 1.9% | 54.6% | 1.12% | 0.05% | 1.3% | 80.7% | 11.1% | |
| $2.68B | 1.2% | 53.8% | 2.36% | 0.00% | 0.6% | 70.0% | 10.1% | |
| $2.49B | 2.3% | 45.3% | 0.27% | 0.52% | 1.3% | 86.5% | 11.2% | |
| $2.43B | no record | no record | 0.00% | no record | no record | no record | no record | |
| $2.34B | 0.7% | 76.9% | 0.48% | 0.16% | 1.5% | 94.5% | 12.2% | |
| $2.33B | 0.7% | 72.1% | 1.42% | 0.06% | 1.0% | 99.4% | 10.1% | |
| $2.23B | 0.6% | 74.5% | 0.57% | -0.01% | 0.7% | 94.1% | 11.6% | |
| $2.21B | 1.1% | 59.3% | 1.22% | 0.00% | 0.9% | 140.1% | 34.9% | |
| $2.14B | 1.0% | 93.1% | 0.00% | 0.00% | 0.4% | 23.0% | 14.9% | |
| $2.13B | 1.1% | 59.7% | 0.48% | 0.04% | 1.5% | 81.0% | 7.7% |
| Esquire Bank National Association | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $706M | $1.90B | +169% | $1.21B | $1.90B | +57% |
| Deposits | $922M | $2.20B | +139% | $1.58B | $2.01B | +28% |
| NPA / loans | 0.32% | 0.27% | -0.05 pts | 0.46% | 0.52% | +0.06 pts |
| Efficiency | 50.7% | 45.3% | -5.4 pts | 66.0% | 59.3% | -6.8 pts |
| ROA | 1.97% | 2.29% | +0.32 pts | 0.78% | 1.09% | +0.31 pts |
This read was prepared for Esquire Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Esquire Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $1B to $3B
Institution www.esquirebank.com
← Back to the catalogue