Esquire Bank, National Association

100 Jericho Quadrangle, Suite 105
Jericho, NY 11753

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58140
Date Established 2006
Assets $0.66 billion
Loans $0.46 billion
Deposits $0.57 billion
Capital $0.08 billion

Esquire Bank, National Association is an FDIC insured institution located in Jericho, NY. It was founded in 2006 and has approximately $0.66 billion in assets.

For a more detailed analysis of Esquire Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Esquire Bank, National Association’s loan portfolio are Commercial and Industrial Loans, Multifamily Mortgages, and 1-4 Family Residential Loans.

Compared to other banks in New York, Esquire Bank, National Association has a significantly higher percent of Multifamily Mortgages, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.21
Multifamily
Mortgages
29.73
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.14
Construction and Development Loans 1.28
Commercial Real Estate 7.21
Commercial and Industrial Loans 40.04
Farm Loans 0.00

Deposit Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $5,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.75% $500 - Learn MoreShow Less
24 Mo CD
1.00% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.75% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 - Learn MoreShow Less

Loan Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Esquire Bank, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.905% 3.875% 0.38 $900 $1,176 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Esquire Bank, National Association
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Branches

Esquire Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Esquire Bank, National Association Locations


Financial Details

Esquire Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Esquire Bank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Esquire Bank, National Association U.S. Bank Average
0% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Esquire Bank, National Association had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $82,994,000 in equity and $5,629,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Esquire Bank, National Association U.S. Bank Average
14.18% 8.80%

Esquire Bank, National Association has a Return on Equity of 14.18% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Esquire Bank, National Association U.S. Bank Average
12.61% 12.29%

Esquire Bank, National Association has a Capitalization of 12.61% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Esquire Bank, National Association Balance Sheet Analysis

As of December 31, 2018, Esquire Bank, National Association had assets of $658,103,000, loans of $460,697,000, and deposits of $572,462,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.15 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.46 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.58 billion
LIABILITIES
Total deposits $0.57 billion
      Interest-bearing deposits $0.36 billion
      Deposits held in domestic offices $0.57 billion
      % insured (estimated) 33.38%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.58 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.00 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Esquire Bank, National Association

Branches and Savings

Is Esquire Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #58140.

Why does Esquire Bank, National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Esquire Bank, National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Esquire Bank, National Association a commercial bank?

Yes

Where are Esquire Bank, National Association locations?

See branch locations nearby.

Is Esquire Bank, National Association open on Saturdays?

Is Esquire Bank, National Association open on Sundays?

What time does Esquire Bank, National Association open?

What time does Esquire Bank, National Association close?

Are Esquire Bank, National Association ATMs Open 24/7?

Do Esquire Bank, National Association ATMs accept cash deposits?

Can Esquire Bank, National Association customers use other ATMs?

Do Esquire Bank, National Association branches have notaries?

Will Esquire Bank, National Association notarize my document?

What address for Esquire Bank, National Association should I put for incoming ACH transfers?

Will the Esquire Bank, National Association branch print checks?

Do Esquire Bank, National Association checks expire?

Does Esquire Bank, National Association require US citizenship to open account?

Can Esquire Bank, National Association close my account?

Does Esquire Bank, National Association Report to credit bureaus?

Does Esquire Bank, National Association Use Equifax?

What is Esquire Bank, National Association's ACH Routing Number?

What is Esquire Bank, National Association's SWIFT code?

Products

Does Esquire Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Esquire Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Esquire Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Esquire Bank, National Association offer student loans?

Will Esquire Bank, National Association cash a check?

Will Esquire Bank, National Association redeem a savings bond?

Does Esquire Bank, National Association cash savings bonds?

Will Esquire Bank, National Association cash money orders?

Can Esquire Bank, National Association issue a money order?

Does Esquire Bank, National Association do currency exchange?

Background on The Bank

Who owns Esquire Bank, National Association?

How long has Esquire Bank, National Association been around?

Can Esquire Bank, National Association transfer to other banks?

Does Esquire Bank, National Association have quick pay?

Does Esquire Bank, National Association accept rolled coins?

Will Esquire Bank, National Association accept loose change?

Where is Esquire Bank, National Association headquarters?

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