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Esquire Bank Company Overview
Esquire Bank, National Association is a U.S. commercial bank founded in 2006 and headquartered in Jericho, New York. Chartered as a national bank regulated by the Office of the Comptroller of the Currency, it maintains two offices in New York and specializes in merchant services, commercial lending, and deposit products. The bank supports a wide range of merchants—including traditional retail, law firms, franchise operations, e-commerce merchants, and non-traditional or higher-risk segments—by offering payment processing solutions for card-present, mail/telephone order (MOTO), mobile, and e-commerce channels. Its merchant services suite includes debit and ACH processing, multi-currency acceptance, and next-day/ same-day funding options. Esquire also provides tailored financing solutions including working capital loans, portfolio acquisition loans, and residual-backed lending using merchant accounts as collateral. As a publicly traded bank (NASDAQ: ESQ), it reported annual revenue of approximately $113 million in 2023 and recorded strong asset growth, particularly in commercial lending and merchant fee income. The bank is known for combining relationship banking with flexible ISO sponsorship and merchant agent programs under one financial platform.