Ensuring our Clients and Our Institution Succeed Boldly Esquire Financial Holdings, Inc. (Financial Holding Company for Esquire Bank, N.A.) 4Q & Full Year 2025 Investor Presentation Listed as ESQ Forward Looking Disclosure This presentation contains forward-looking statements within the meaning of the federal securities laws. Forward-looking statements are not historical fact and express management's current expectations, forecasts of future events or long-term goals and, by their nature, are subject to ass ...

Financial Performance & Metrics - The company's adjusted Return on Average Assets (ROA) was 2.37%[12,32] - The adjusted Return on Tangible Common Equity (ROTCE) reached 18.89%[12,32] - The company boasts an industry-leading Net Interest Margin (NIM) of 6.04%[15] - The efficiency ratio is strong at 48.9%[15] Loan & Deposit Portfolio - Approximately 90% of the company's variable rate commercial loan portfolio has interest rate floors in place[26,41] - Commercial loans, substantially all variable rate, total $1.05 billion, representing approximately 68% of the loan portfolio[41] - DDA and escrow-based NOW/IOLTA accounts represent 32% and 55% of total deposits, respectively[26] - Litigation and payment processing deposits account for 76% and 8% of total deposits, respectively[59] Revenue & Fee Income - Fee income, primarily from payment processing, constitutes 17% of total revenue[16,63] - The company's payment processing vertical services 93,000 merchants nationally[16,63] Market Opportunity - The litigation vertical represents a $529 billion total addressable market[67,78] - The payment processing vertical represents a $11.7 trillion market[67,83]

Group 1 - First Bank reported quarterly earnings of $0.41 per share, missing the Zacks Consensus Estimate of $0.43 per share, and down from $0.47 per share a year ago, representing an earnings surprise of -4.65% [1] - The company posted revenues of $36.71 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 3.50%, compared to year-ago revenues of $31.23 million [2] - Over the last four quarters, First Bank has surpassed consensus revenue estimates three times [2] Group 2 - The stock has gained approximately 10.4% since the beginning of the year, outperforming the S&P 500's gain of 7.2% [3] - The current consensus EPS estimate for the coming quarter is $0.46 on revenues of $36.42 million, and for the current fiscal year, it is $1.69 on revenues of $142.94 million [7] - The Zacks Industry Rank for Banks - Northeast is currently in the top 30% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]