Company: NEWTP
Filing Date: 2025-03-17
Form Type: 10-K
Source: 0001587987-25-000050
Chunk: 27

Company: NewtekOne, Inc.
Filing Date: 2025-03-17
Form: 10-K
Item: Item 7
Chunk 27
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Regulatory Capital

The Company strives to maintain prudent capital levels to absorb risk 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 December 31, 2024 and 2023 are presented in the table below:

ActualFor Capital Adequacy Purposes1For Consideration as Well-CapitalizedNewtekOne, Inc. - December 31, 2024AmountRatioAmountRatioAmountRatioTier 1 Capital (to Average Assets)$231,899 13.3 %$69,727 4.0 %N/AN/ACommon Equity Tier 1 (to Risk-Weighted Assets)231,899 17.0 %61,492 4.5 %N/AN/ATier 1 Capital (to Risk-Weighted Assets)231,899 17.0 %81,990 6.0 %N/AN/ATotal Capital (to Risk-Weighted Assets)268,887 19.7 %109,320 8.0 %N/AN/ANewtekOne, Inc. - December 31, 2023Tier 1 Capital (to Average Assets)$180,829 13.6 %$53,363 4.0 %N/AN/ACommon Equity Tier 1 (to Risk-Weighted Assets)180,829 16.2 %50,153 4.5 %N/AN/ATier 1 Capital (to Risk-Weighted Assets)180,829 16.2 %66,870 6.0 %N/AN/ATotal Capital (to Risk-Weighted Assets)213,141 19.1 %89,160 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 December 31, 2024, and 2023 are presented in the table below. As of December 31, 2024 and 2023, 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 - December 31