BlastPoint's Banking Scorecard

Esquire Bank, National Association

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

Designations: ✓ Community bank

Jericho, NY

2 branches across NY

884 banks in the $1B-$10B peer group nationally 38 in NY

Esquire Bank, National Association shows strong momentum with 6 strengths and 24.4% 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 32.6% in tier
+ Deposit Franchise: Top 40.7% in tier
+ Return on Assets 0.97% above tier average
+ Delinquency Rate 0.85% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 15.75% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$2.4B +24.4% YoY +2.5% QoQ	-$410.6M	$2.8B -0.1% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$1.8B +28.7% YoY +3.5% QoQ	-$174.1M	$2.0B +0.6% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$2.1B +24.8% YoY +2.2% QoQ	-$222.6M	$2.3B -0.3% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	2.33% -10.9% YoY -12.5% QoQ	+0.97%	1.37% +19.6% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Top 4.9% in tier
Net Interest Margin ?	6.00% -1.7% YoY -3.0% QoQ	+2.18%	3.82% +6.9% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Top 2.6% in tier
Efficiency Ratio ?	45.31% -0.1% YoY +2.1% QoQ	-15.75%	61.06% -4.6% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Top 11.4% in tier
Delinquency Rate ?	0.04% -92.9% YoY -91.7% QoQ	-0.85%	0.89% +14.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	Top 5.9% in tier
Loan-to-Deposit Ratio ?	84.44% +3.1% YoY +1.3% QoQ	+0.23%	84.20% +0.3% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	26.65% -15.3% YoY -6.0% QoQ	+5.36%	21.29% -2.5% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.03% -92.6% YoY -91.6% QoQ	-0.64%	0.67% +15.6% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Top 6.4% in tier
Tier 1 Capital Ratio ?	14.25% -6.6% YoY +0.5% QoQ	-0.91%	15.16% +2.0% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.27% -14.1% YoY -74.0% QoQ	+0.01%	0.26% +1.6% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	83%

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$250B+

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 (2)

Revenue Diversifier

growth

#73 of 221 • Top 32.6% 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: 0.27%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.33%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Franchise

growth

#36 of 86 • Top 40.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 26.65%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 6.00%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | 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 884 peers in $1B-$10B

Top Strengths (7 metrics)

Net Interest Margin

profitability

Value: 6.00%

Peer Median: 3.82%

#24 of 884 Top 2.6% in $1B-$10B

Return on Assets

profitability

Value: 2.33%

Peer Median: 1.37%

#44 of 884 Top 4.9% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#53 of 880 Top 5.9% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#58 of 884 Top 6.4% in $1B-$10B

102

Efficiency Ratio

profitability

Value: 45.31%

Peer Median: 61.06%

#102 of 884 Top 11.4% in $1B-$10B

150

Non-Interest Income / Assets

revenue_mix

Value: 0.27%

Peer Median: 0.26%

#150 of 884 Top 16.9% in $1B-$10B

219

Non-Interest-Bearing Deposit Share

funding

Value: 26.65%

Peer Median: 21.29%

#219 of 884 Top 24.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available