Company: NEWTP
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0001587987-25-000141
Chunk: 129

Company: NewtekOne, Inc.
Filing Date: 2025-08-08
Form: 10-Q
Item: Part I, Item 1
Chunk 129
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 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 Average Assets)$136,358 11.4 %$47,987 4.0 %$59,984 5.0 %Common Equity Tier 1 (to Risk-Weighted Assets)136,358 13.0 %47,347 4.5 %68,390 6.5 %Tier 1 Capital (to Risk-Weighted Assets)136,358 13.0 %63,129 6.0 %84,173 8.0 %Total Capital (to Risk-Weighted Assets)149,880 14.2 %84,173 8.0 %105,216 10.0 %Newtek Bank - June 30, 2024Tier 1 Capital (to Average Assets)$106,760 13.6 %31,400 4.0 %$39,250 5.0 %Common Equity Tier 1 (to Risk-Weighted Assets)106,760 17.1 %28,095 4.5 %40,581 6.5 %Tier 1 Capital (to Risk-Weighted Assets)106,760 17.1 %37,460 6.0 %49,946 8.0 %Total Capital (to Risk-Weighted Assets)114,750 18.3 %50,164 8.0 %62,705 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 June 30, 2025 and December 31, 2024:

Availability as of June 30, 2025December 31, 2024Unrestricted cash$10,124$6,941Lines of credit at other commercial banks19