A
Esquire Bank, National Association
Jericho, NY
Data as of
June 30, 2021
Risk Based
Capital Ratio
17.86
Leverage
Ratio
12.29
Return On
Assets
2.02%
Total
Assets
1.05B
Capital
120.04M
Total
Deposits
921.76M
Net
Income
9.57M
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 12.3. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.0 has resulted in Excellent (10.0) profitability.
Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.8 on a scale of 0 to 10). A current level of 1.7 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.1).
Asset Mix: Comm loans (35%), cash (14%), securities (12%), comm re (5%), home mtgs (4%), consumer loans (3%), other (26%)
States with Branches: FL, NY
Asset Quality
Non-Performing Loans to Capital
1.70%
Non-Performing Assets to Assets
0.22%
Non-Performing Loans to Loans
0.32%
Loan Loss Reserves to Loans
1.98%
Charge-Offs to Average Loans
0.01%
5-Year Charge-Offs to Average Loans
0.08%
5-Year Asset Growth
33.04%
1-Year Asset Growth
25.11%
Profitability
Operating Profit to Average Assets
2.73%
Return on Equity
16.61%
Net Interest Spread
4.45%
5-Year ROAA (Return on Average Assets)
1.47%
Overhead Efficiency Ratio
50.72%
Liquidity
Liquidity Ratio
34.69%
Hot Money
1.07%
Corporate Info
Group Affiliation
Esquire Financial Holdings, Inc.
Investment Rating
Address
100 Jericho Quadrangle
Jericho, NY 11753
Phone Number
(516) 535-2002
Year Founded
2006
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings