
	Actual				For Capital Adequacy Purposes1				For Consideration as Well-Capitalized
NewtekOne, Inc. - December 31, 2024	Amount		Ratio		Amount		Ratio		Amount	Ratio
Tier 1 Capital (to Average Assets)	$	231,899	13.3	%	69,727		4.0	%	N/A	N/A
Common Equity Tier 1 (to Risk-Weighted Assets)	231,899		17.0	%	61,492		4.5	%	N/A	N/A
Tier 1 Capital (to Risk-Weighted Assets)	231,899		17.0	%	81,990		6.0	%	N/A	N/A
Total Capital (to Risk-Weighted Assets)	268,887		19.7	%	109,320		8.0	%	N/A	N/A
NewtekOne, Inc. - December 31, 2023
Tier 1 Capital (to Average Assets)	$	180,829	13.6	%	$	53,363	4.0	%	N/A	N/A
Common Equity Tier 1 (to Risk-Weighted Assets)	180,829		16.2	%	50,153		4.5	%	N/A	N/A
Tier 1 Capital (to Risk-Weighted Assets)	180,829		16.2	%	66,870		6.0	%	N/A	N/A
Total Capital (to Risk-Weighted Assets)	213,141		19.1	%	89,160		8.0	%	N/A	N/A

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.


	Actual				For Capital Adequacy Purposes1				For Consideration as Well-Capitalized
Newtek Bank - December 31, 2024	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 Capital (to Average Assets)	$	120,078	11.9	%	$	40,197	4.0	%	50,246		5.0	%
Common Equity Tier 1 (to Risk-Weighted Assets)	120,078		14.2	%	38,151		4.5	%	55,107		6.5	%
Tier 1 Capital (to Risk-Weighted Assets)	120,078		14.2	%	50,868		6.0	%	67,823		8.0	%
Total Capital (to Risk-Weighted Assets)	130,924		15.4	%	67,824		8.0	%	84,779		10.0	%
Newtek Bank - December 31, 2023
Tier 1 Capital (to Average Assets)	$	99,253	16.6	%	23,893		4.0	%	$	29,866	5.0	%
Common Equity Tier 1 (to Risk-Weighted Assets)	99,253		21.5	%	20,787		4.5	%	30,026		6.5	%
Tier 1 Capital (to Risk-Weighted Assets)	99,253		21.5	%	27,716		6.0	%	36,955		8.0	%
Total Capital (to Risk-Weighted Assets)	105,105		22.8	%	36,954		8.0	%	46,193		10.0	%