Company: NEWTP
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0001587987-25-000141
Chunk: 338

Company: NewtekOne, Inc.
Filing Date: 2025-08-08
Form: 10-Q
Item: Part I, Item 8
Chunk 338
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 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.

94

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 banks19,19660,903Newtek Bank:Interest bearing deposits in banks180,013346,207FHLB borrowing availability157,90839,780Lines of credit at other financial institutions30,00030,000Total liquidity sources$287,241$483,831

1    Availability as of June 30, 2025 and December 31, 2024 is based on collateral pledged as of that date.

The Company has restricted cash of $23.2 million as of June 30, 2025