Exhibit 4.1


  


INCORPORATED UNDER THE LAWS OF THE STATE
OF MARYLAND


 


	 	 	 
	No.	ESQUIRE FINANCIAL HOLDINGS, INC.	Shares
	 	 	 


 


FULLY
PAID AND NON-ASSESSABLE


PAR VALUE $0.01 PER SHARE


 


THE SHARES REPRESENTED BY THIS


CERTIFICATE ARE SUBJECT TO


RESTRICTIONS, SEE REVERSE SIDE


 


	THIS CERTIFIES that	is the owner of


 


SHARES OF COMMON STOCK


of


Esquire Financial Holdings, Inc.


a Maryland corporation


 


The shares evidenced
by this certificate are transferable only on the books of Esquire Financial Holdings, Inc. by the holder hereof, in person or by
attorney, upon surrender of this certificate properly endorsed. The
capital stock evidenced hereby is not an account of an insurable type and is not insured by the Federal Deposit Insurance Corporation
or any other Federal or state governmental agency.


 


IN WITNESS WHEREOF,
Esquire Financial Holdings, Inc. has caused this certificate to be executed by the facsimile signatures of its duly authorized
officers and has caused a facsimile of its seal to be hereunto affixed.


 


	By:	 	[SEAL]	By:	 
	 	ERIC S. BADER	 	 	ANDREW C. SAGLIOCCA
	 	CORPORATE SECRETARY	 	 	PRESIDENT AND CHIEF EXECUTIVE
	 	 	 	 	OFFICER


 




     


     


    

 


The Board of Directors
of Esquire Financial Holdings, Inc. (the “Company”) is authorized by resolution or resolutions, from time to time adopted,
to provide for the issuance of more than one class of stock, including preferred stock in series, and to fix and state the voting
powers, designations, preferences, limitations and restrictions thereof. The Company will furnish to any stockholder upon request
and without charge a full description of each class of stock and any series thereof.


 


The shares evidenced
by this certificate are subject to a limitation contained in the Articles of Incorporation to the effect that in no event shall
any record owner of any outstanding common stock which is beneficially owned, directly or indirectly, by a person who beneficially
owns in excess of 10% of the outstanding shares of common stock (the “Limit”) be entitled or permitted to any vote
in respect of shares held in excess of the Limit.


 


The shares represented
by this certificate may not be cumulatively voted on any matter. The Articles of Incorporation requires that, with limited exceptions,
no amendment, addition, alteration, change or repeal of the Articles of Incorporation shall be made, unless such is first approved
by the Board of Directors of the Company and approved by the stockholders by a majority of the total shares entitled to vote, or
in certain circumstances approved by the affirmative vote of up to 80% of the shares entitled to vote.


 


The following abbreviations
when used in the inscription on the face of this certificate shall be construed as though they were written out in full according
to applicable laws or regulations.


 


	 	TEN COM	- as  tenants in common	UNIF GIFT MIN ACT	- _________ Custodian __________
	 	 	 	 	(Cust)                                     (Minor)
	 	TEN ENT	- as tenants by the entireties	 	 
	 	 	 	 	Under Uniform Gifts to Minors Act
	 	JT TEN	- as joint tenants with right	 	 
	 	 	  of survivorship and not as	 	 
	 	 	  tenants in common	 	(State)


 


Additional abbreviations may also be used
though not in the above list


 


For value received, _________________________ hereby sell, assign
and transfer unto


 


PLEASE INSERT SOCIAL SECURITY NUMBER OR
OTHER IDENTIFYING NUMBER


 


	 	 
	 	 


 


 





	(please print or typewrite name and address including postal zip code of assignee)


 





 






 


_______________________________________________________________________________________________Shares
of the Common Stock represented by the within Certificate, and do hereby irrevocably constitute and appoint ________________________________________________________________________ Attorney
to transfer the said shares on the books of the within named corporation with full power of substitution in the premises.


 


	Dated,	 	 


 


	In the presence of	 	Signature:
	 	 	 
	 	 	 


 


NOTE: THE SIGNATURE TO THIS ASSIGNMENT MUST
CORRESPOND WITH THE NAME OF THE STOCKHOLDER(S) AS WRITTEN UPON THE FACE OF THE CERTIFICATE, IN EVERY PARTICULAR, WITHOUT ALTERATION
OR ENLARGEMENT, OR ANY CHANGE WHATSOEVER.