BlastPoint's Banking Scorecard

Esquire Bank, National Association

$1B-$10B Specialty: Commercial NY FDIC cert 58140

Designations: ✓ Community bank

Jericho, NY

6 branches across IL · NY · CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
Deposits +22.4% year over year ($2.2B on the books).
Delinquency rate 0.27%.
Return on assets 2.34%.
Efficiency ratio 45.33% vs a 59.73% peer average.
Loan-to-deposit ratio 85.35% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY

View $1B-$10B leaderboard (NY) →

Esquire Bank, National Association shows strong momentum with 5 strengths and 22.3% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 35.1% in tier
+ Return on Assets 0.94% above tier average
+ Net Interest Margin 2.19% above tier average
+ Efficiency Ratio 14.39% below tier average
+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Esquire Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$2.5B +22.3% YoY +3.7% QoQ	-$298.3M	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$1.9B +27.6% YoY +4.8% QoQ	-$86.5M	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	64%
Total Deposits ?	$2.2B +22.4% YoY +3.7% QoQ	-$120.0M	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	64%
Return on Assets ?	2.34% -9.5% YoY +0.2% QoQ	+0.94%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Top 5.1% in tier
Net Interest Margin ?	6.06% -1.9% YoY +1.0% QoQ	+2.19%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Top 2.4% in tier
Efficiency Ratio ?	45.33% +1.7% YoY +0.1% QoQ	-14.39%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Top 12.2% in tier
Delinquency Rate ?	0.27% -53.9% YoY +566.4% QoQ	-0.59%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	85.35% +4.3% YoY +1.1% QoQ	+0.31%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	25.98% -19.9% YoY -2.5% QoQ	+4.71%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	74%
Nonperforming Asset Ratio ?	0.21% -51.9% YoY +573.2% QoQ	-0.47%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	14.24% -4.3% YoY -0.0% QoQ	-0.60%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.51% -13.1% YoY +91.7% QoQ	-0.01%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	26.0% -6.4pp YoY -0.7pp QoQ	+4.6pp	21.4%	22.1%	22.2%	74%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	71.3% +3.1pp YoY +0.5pp QoQ	+57.3pp	14.0%	11.0%	12.5%	100%
CRE	n/a	n/a	50.0%	46.2%	41.4%	n/a
1-4 Family	0.5% -0.2pp YoY 0.0pp QoQ	-25.9pp	26.4%	36.6%	31.3%	1%
Consumer	1.4% +0.2pp YoY 0.0pp QoQ	-3.3pp	4.7%	5.1%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	14.2% -0.7pp YoY 0.0pp QoQ	-1.4pp	15.6%	26.1%	19.7%	61%
Leverage Ratio	11.7% -0.4pp YoY -0.2pp QoQ	+0.4pp	11.3%	13.9%	12.6%	73%
Total Capital Ratio	15.5% -0.6pp YoY 0.0pp QoQ	-1.2pp	16.7%	27.2%	20.8%	64%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	164 +26 (+18.8%) YoY +10 (+6.5%) QoQ	-150	313	914	482	29%
Assets per Employee ($)	$15.2M +2.9% YoY -2.6% QoQ	+$4.7M	$10.5M	$14.8M	$8.8M	90%
Branch Count	3 +1 (+50.0%) YoY 0 QoQ	-17	20	27	18	8%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.2pp	0.2%	0.1%	0.4%	4%
Nonaccrual	0.3% -0.3pp YoY +0.2pp QoQ	-0.6pp	0.8%	1.3%	1.0%	28%
Allowance Coverage	4.81x +117.2% YoY -84.9% QoQ	-13.90x	18.71x	1.92x	20.23x	77%
Net Charge-off Rate (YTD)	0.5% -0.4pp YoY -0.2pp QoQ	+0.3pp	0.3%	0.1%	0.2%	92%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	21.1% -2.0pp YoY 0.0pp QoQ	+8.5pp	12.6%	7.9%	11.6%	92%
Cost of Funds (YTD)	0.9% 0.0pp YoY 0.0pp QoQ	-1.0pp	1.9%	1.8%	1.7%	5%
Net Income ($, YTD)	$28.2M +12.2% YoY — QoQ	+$9.0M	$19.2M	$111.2M	$40.4M	81%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#79 of 222 • Top 35.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.51%

(Tier: 0.53%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.34%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 6.06%

Peer Median: 3.87%

#22 of 885 Top 2.4% in $1B-$10B

Return on Assets

profitability

Value: 2.34%

Peer Median: 1.39%

#46 of 885 Top 5.1% in $1B-$10B

109

Efficiency Ratio

profitability

Value: 45.33%

Peer Median: 59.73%

#109 of 885 Top 12.2% in $1B-$10B

168

Non-Interest Income / Assets

revenue_mix

Value: 0.51%

Peer Median: 0.53%

#168 of 885 Top 18.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available