Company: NEWTP
Filing Date: 2025-08-15
Form Type: 424B2
Source: 0001587987-25-000152
Chunk: 22

Company: NewtekOne, Inc.
Filing Date: 2025-08-15
Form: 424B2
Chunk 22
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 Federal Reserve to restrict or prohibit activities that are determined to be a risk to the Company’s bank subsidiaries (i.e., as of the date of this prospectus supplement, Newtek Bank). The Federal Reserve examines the Company periodically and prepares reports for the consideration of the Board on any deficiencies that they may identify. While the Federal Reserve historically has expected bank holding companies to act as a source of strength to their bank subsidiaries, the Company is also required by the Dodd-Frank Act to act as a source of strength for its bank subsidiaries and for any other depository institution subsidiary it may have in the future. Such support may be required at times when a holding company may not otherwise be inclined to provide it.

Newtek Bank is a national bank that is examined and supervised by the OCC and its deposits are insured by the FDIC. The Company’s relationships with its depositors, borrowers and other customers are also regulated by federal and state laws and agencies, especially in matters concerning consumer protection, privacy, anti-money laundering, the ownership of deposit accounts and various trust and other customer relationships.

For a discussion of the regulatory framework applicable to bank holding companies and their subsidiaries and specific information relevant to Newtek Bank, please refer to the Company’s Annual Report on Form 10-K for the year ended December 31, 2024, the Company’s Quarterly Reports on Form 10-Q for the quarters ended March 31, 2025 and June 30, 2025, and any subsequent reports the Company files with the SEC, which are incorporated by reference in this prospectus supplement. This regulatory framework is intended primarily for the protection of depositors, the FDIC’s Deposit Insurance Fund, and the banking system as a whole, and not for the protection of the Company’s security holders. A change in applicable statutes, regulations or regulatory policy may have a material adverse effect on the Company’s business, financial condition (including capital adequacy) and results of operations.

#### Regulatory Capital Treatment
The Company is required by the Federal Reserve to maintain certain levels of consolidated capital for regulatory purposes. Under applicable Federal Reserve capital rules, the Preferred Stock will be treated as additional Tier 1 capital of the Company.

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### CAPITALIZATION
The following table sets forth our capitalization as of June 30, 2025:

• on an actual basis; and

• on an as adjusted basis to give effect to the issuance of the Preferred Stock, assuming no exercise by the underwriters of their option to purchase any of