Esquire Financial Holdings Inc Asset Resilience Ratio
Esquire Financial Holdings Inc asset resilience ratio. Esquire Financial Holdings Inc (ESQ) has an Asset Resilience Ratio of 10.42% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See how many days can Esquire Financial Holdings Inc fund operations to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Esquire Financial Holdings Inc (2015–2025)
Asset resilience ratio of Esquire Financial Holdings Inc from 2015 to 2025. This chart shows how Esquire Financial Holdings Inc's Asset Resilience Ratio has changed over time. Read ESQ liabilities breakdown for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down Esquire Financial Holdings Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see ESQ total assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $246.50 Million | 10.42% |
| Total Liquid Assets | $246.50 Million | 10.42% |
Asset Resilience Insights
- Moderate Liquidity: Esquire Financial Holdings Inc has 10.42% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Esquire Financial Holdings Inc Industry Peers by Asset Resilience Ratio
Compare Esquire Financial Holdings Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
Esquire Financial Holdings Inc Asset Resilience Ratio by Year (2015–2025)
Esquire Financial Holdings Inc asset resilience ratio by year from 2015 to 2025. The table below shows the annual Asset Resilience Ratio data for Esquire Financial Holdings Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 10.42% | $246.50 Million | $2.37 Billion | -2.35pp |
| 2024-12-31 | 12.77% | $241.75 Million | $1.89 Billion | +5.22pp |
| 2023-12-31 | 7.55% | $122.11 Million | $1.62 Billion | -0.28pp |
| 2022-12-31 | 7.83% | $109.27 Million | $1.40 Billion | -4.76pp |
| 2021-12-31 | 12.59% | $148.38 Million | $1.18 Billion | +0.03pp |
| 2020-12-31 | 12.56% | $117.66 Million | $936.71 Million | -5.79pp |
| 2019-12-31 | 18.35% | $146.42 Million | $798.01 Million | -3.60pp |
| 2018-12-31 | 21.95% | $145.70 Million | $663.90 Million | -2.18pp |
| 2017-12-31 | 24.13% | $128.76 Million | $533.63 Million | +2.32pp |
| 2016-12-31 | 21.81% | $92.64 Million | $424.83 Million | -2.08pp |
| 2015-12-31 | 23.89% | $84.24 Million | $352.65 Million | -- |
About Esquire Financial Holdings Inc
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such… Read more