Financial insights of ESQ

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$12,211K
EPS
$1.4
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans held for investment	34,298	30,176*	30,839	28,762
Securities, includes restricted stock	3,178	3,042*	3,244	3,127
Interest earning cash and other	1,557	1,701*	2,048	1,647
Total interest income	39,033	34,918*	36,131	33,536
Savings, now and money market deposits	4,957	4,206*	4,739	4,225
Time deposits	67	118*	52	56
Borrowings	5	1*	1	1
Total interest expense	5,029	4,325*	4,792	4,282
Net interest income	34,004	30,593*	31,339	29,254
Provision for credit losses	2,700	1,763*	1,750	3,525
Net interest income after provision for credit losses	31,304	28,830*	29,589	25,729
Payment processing fees	5,143	5,275*	5,069	5,107
Administrative service income	1,137	934*	731	643
Net gain on equity investments	-	108*	-	-
Customer related fees, service charges and other	175	-452*	433	827
Total noninterest income	6,455	5,865*	6,233	6,577
Employee compensation and benefits	12,221	10,712*	10,852	10,216
Occupancy and equipment	1,256	1,426*	1,153	1,168
Professional and consulting services	973	1,355*	1,471	1,291
Fdic and regulatory assessments	303	253*	284	293
Advertising and marketing	998	937*	974	811
Travel and business relations	306	464*	488	303
Data processing	2,369	1,960*	2,272	2,060
Merger expenses	1,272	-	-	-
Other operating expenses	959	996*	866	920
Total noninterest expense	20,657	18,101*	18,360	17,062
Net income before income taxes	17,102	16,594*	17,462	15,244
Income tax expense	4,891	4,692*	3,405	3,354
Net income	12,211	11,902	14,057	11,890

Basic EPS	1.48	1.476	1.74	1.48
Diluted EPS	1.4	1.375	1.62	1.38
Basic Average Shares	8,252,720	8,060,785	8,094,441	8,029,541
Diluted Average Shares	8,700,319	8,657,489	8,690,130	8,639,038

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$12,211K
EPS
$1.4
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$12,211K
EPS
$1.4
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$12,211KEPS$1.4Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$12,211KEPS$1.4Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$12,211K
EPS
$1.4
Unit: Thousand (K) dollars

Net Income
$12,211K
EPS
$1.4
Unit: Thousand (K) dollars