Company: NEWTP
Filing Date: 2025-08-13
Form Type: 424B2
Source: 0001587987-25-000144
Chunk: 9

Company: NewtekOne, Inc.
Filing Date: 2025-08-13
Form: 424B2
Chunk 9
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ending, Newtek Payments, Newtek Insurance, Newtek Payroll and Newtek Bank.

As of June 30, 2025, we had consolidated total assets of $2.1 billion, deposits of $1.1 billion and shareholders’ equity of $312 million.

Our principal executive offices are located at 4800 T Rex Avenue, Suite 120, Boca Raton, Florida 33431, our telephone number is (212) 356-9500 and our website may be found at http://www.NewtekOne.com. The information contained on our website is not part of nor is incorporated by reference into this prospectus supplement.

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### SUMMARY OF THE OFFERING
The following is a brief summary of the terms of this offering. For a more complete description of the terms of the terms of the Preferred Stock and the depositary shares, see “Description of Preferred Stock” and “Description of Depositary Shares” in this prospectus supplement.

| Issuer             |     | NewtekOne, Inc., a Maryland corporation.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| Securities Offered |     | [    ] depositary shares (or [    ] depositary shares if the underwriters exercise their option to purchase [   ]  additional depositary shares solely to cover over allotments in full) each representing a 1/40th ownership interest in a share of [   ]% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B (the “Preferred Stock”), with a liquidation preference of $1,000 per share of Preferred Stock (equivalent to $25.00 per depositary share). Each holder of a depositary share will be entitled, through the depositary, in proportion to the applicable fraction of a share of Preferred Stock represented by such depositary share, to all the rights and preferences of the Preferred Stock represented thereby (including dividend, voting, redemption and liquidation rights). 
 The Company may in the future from time to time, without notice to or consent of the holders of the Preferred Stock or the holders of the depositary shares, issue additional shares of the Preferred Stock;provided, that such additional shares are fungible for U.S. federal income tax purposes with the shares of Preferred Stock and related depositary shares offered hereby. The additional shares of Preferred Stock would form a single series with the Preferred Stock offered hereby. In the event the Company issues additional shares of Preferred Stock, the Company will issue a