Company: NEWTP
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0001587987-25-000141
Chunk: 337

Company: NewtekOne, Inc.
Filing Date: 2025-08-08
Form: 10-Q
Item: Part I, Item 8
Chunk 337
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 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 June 30, 2025 and 2024 are presented in the table below:

ActualFor Capital Adequacy Purposes1For Consideration as Well-CapitalizedNewtekOne, Inc. - June 30, 2025AmountRatioAmountRatioAmountRatioTier 1 Capital (to Average Assets)$256,357 12.2 %$83,816 4.0 %N/AN/ACommon Equity Tier 1 (to Risk-Weighted Assets)256,357 16.1 %71,595 4.5 %N/AN/ATier 1 Capital (to Risk-Weighted Assets)256,357 16.1 %95,460 6.0 %N/AN/ATotal Capital (to Risk-Weighted Assets)296,269 18.6 %127,280 8.0 %N/AN/ANewtekOne, Inc. - June 30, 2024Tier 1 Capital (to Average Assets)$195,913 13.7 %$57,182 4.0 %N/AN/ACommon Equity Tier 1 (to Risk-Weighted Assets)195,913 16.1 %54,859 4.5 %N/AN/ATier 1 Capital (to Risk-Weighted Assets)195,913 16.1 %73,146 6.0 %N/AN/ATotal Capital (to Risk-Weighted Assets)230,964 18.9 %97,528 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 June 30, 2025, and 2024 are presented in the table below. As of June 30, 2025 and 2024, Newtek Bank was categorized as “well-capitalized” under the prompt corrective action measures and met the capital conservation buffer requirements.

ActualFor Capital Adequacy Purposes1For Consideration as Well-CapitalizedNewtek Bank - June 30, 2025AmountRatioAmountRatioAmountRatioTier 1 Capital (to