Company: NEWTP
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0001587987-25-000141
Chunk: 50

Company: NewtekOne, Inc.
Filing Date: 2025-08-08
Form: 10-Q
Item: Part I, Item 1
Chunk 50
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 %12.00 %Cost of equity11.00 %8.00 %14.00 %Weighted average cost of capital7.72 %6.00 %23.98 %Servicing assets, at FV$22,062 Market yields12.00 %12.00 %12.00 %Cumulative prepayment rate22.50 %22.50 %22.50 %Average cumulative default rate21.00 %21.00 %21.00 %Assets held for sale$21,308 Present value factor90.70 %89.50 %93.20 %Discount rate10.23 %7.27 %11.71 %Other real estate owned$3,764 Appraised valueN/AN/AN/ALiabilities:Equity warrants$133 Expected volatility48.00 %48.00 %48.00 %Dividend yield6.00 %6.00 %6.00 %Risk free rate4.52 %4.52 %4.52 %

F-44

Estimated Fair Value of Other Financial InstrumentsGAAP also requires disclosure of the fair value of financial instruments carried at book value on the Consolidated Statements of Financial Condition. The carrying amounts and estimated fair values of the Company’s financial instruments not measured at fair value on a recurring or non-recurring basis are as follows:June 30, 2025Carrying AmountFair Value Amount by Level:Total Fair ValueLevel 1Level 2Level 3Financial Assets:Cash and due from banks$10,124 $10,124 $— $— $10,124 Restricted cash23,152 23,152 — — 23,152 Interest bearing deposits in banks180,013 180,013 — — 180,013 Debt securities available-for-sale, at FV14,245 14,245 — — 14,245 Loans HFS, at FV514,609 — 203,586 311,023 514,609 Loans HFS, at LCM32,291 — — 32,291 32,291 Loans HFI, at FV326,113 — — 326,113 326,113 Loans HFI, at amortized cost, net