Company: NEWTP
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0001628280-25-050582
Chunk: 345

Company: NewtekOne, Inc.
Filing Date: 2025-11-07
Form: 10-Q
Item: Part I, Item 8
Chunk 345
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1 Trust was terminated as a result of NSBF purchasing the 2017-1 Trust assets, with the 2017-1 Trust’s noteholders receiving the redemption price.

Regulatory Capital

The Company strives to maintain prudent capital levels to absorb risk and maximizing returns to shareholders. The Company and Newtek Bank are primarily constrained by the Total Capital and Leverage ratios given the mix of assets vis-a-vis capital.

Capital amounts and ratios for the Company as of September 30, 2025 and 2024 are presented in the table below:

ActualFor Capital Adequacy Purposes1For Consideration as Well-CapitalizedNewtekOne, Inc. - September 30, 2025AmountRatioAmountRatioAmountRatioTier 1 Capital (to Average Assets)$351,998 15.8 %$89,119 4.0 %N/AN/ACommon Equity Tier 1 (to Risk-Weighted Assets)303,817 18.0 %76,062 4.5 %N/AN/ATier 1 Capital (to Risk-Weighted Assets)351,998 20.8 %101,416 6.0 %N/AN/ATotal Capital (to Risk-Weighted Assets)373,429 22.1 %135,222 8.0 %N/AN/ANewtekOne, Inc. - September 30, 2024Tier 1 Capital (to Average Assets)$218,604 13.9 %$62,703 4.0 %N/AN/ACommon Equity Tier 1 (to Risk-Weighted Assets)218,604 17.7 %55,678 4.5 %N/AN/ATier 1 Capital (to Risk-Weighted Assets)218,604 17.7 %74,237 6.0 %N/AN/ATotal Capital (to Risk-Weighted Assets)253,942 20.5 %98,983 8.0 %N/AN/A

1 Exclusive of the capital conservation buffer of 2.5% of risk-weighted assets.

Capital amounts and ratios for Newtek Bank as of September 30, 2025, and 2024 are presented in the table below. As of September 30, 2025 and 2024, Newtek Bank was categorized as “well-capitalized” under the prompt