Company: NEWTP
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0001628280-25-050582
Chunk: 346

Company: NewtekOne, Inc.
Filing Date: 2025-11-07
Form: 10-Q
Item: Part I, Item 8
Chunk 346
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 corrective action measures and met the capital conservation buffer requirements.

ActualFor Capital Adequacy Purposes1For Consideration as Well-CapitalizedNewtek Bank - September 30, 2025AmountRatioAmountRatioAmountRatioTier 1 Capital (to Average Assets)$150,178 11.2 %$53,683 4.0 %$67,103 5.0 %Common Equity Tier 1 (to Risk-Weighted Assets)150,178 13.0 %52,066 4.5 %75,206 6.5 %Tier 1 Capital (to Risk-Weighted Assets)150,178 13.0 %69,421 6.0 %92,562 8.0 %Total Capital (to Risk-Weighted Assets)165,026 14.3 %92,562 8.0 %115,702 10.0 %Newtek Bank - September 30, 2024Tier 1 Capital (to Average Assets)$112,836 13.3 %33,941 4.0 %$42,426 5.0 %Common Equity Tier 1 (to Risk-Weighted Assets)112,836 15.5 %32,742 4.5 %47,294 6.5 %Tier 1 Capital (to Risk-Weighted Assets)112,836 15.5 %43,656 6.0 %58,208 8.0 %Total Capital (to Risk-Weighted Assets)122,144 16.8 %58,207 8.0 %72,759 10.0 %

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

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Cash Flows and Liquidity

The following table summarizes the Company’s available sources of liquidity as of September 30, 2025 and December 31, 2024:

Availability as of September 30, 2025December 31, 2024Unrestricted cash$3,980$6,941Lines of credit at other commercial banks158,25660,903Newtek Bank:Interest bearing deposits in banks188,214346,207FHLB borrowing availability161,00439,780Lines of credit at other financial institutions30,00030,000Total liquidity sources$341,454$483,831