Original filing text · Part II

Item 1A — Risk Factors

Esquire Financial Holdings, Inc. · 10-Q · Q2 FY2026 · Period ended Jun 30, 2026

This is the extracted source text from the SEC filing. Formatting may differ from the original document.

There have been no material changes in the risk factors that were previously disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, as supplemented by our Quarterly Report on Form 10-Q for the quarter ended March 31, 2026.