NewtekOne (NEWT) investor relations material

Executive summary

• Achieved 11% growth in diluted EPS to $2.18 for 2025, with tangible book value up 24% to $11.68 per share.

• Return on average assets reached 2.8% and return on average tangible common equity was 19.0% in 2025.

• Efficiency ratio improved to 58.3% from 63.2% in 2024, reflecting operational scalability.

• Loans and assets grew 53% and 33% respectively, with deposit balances up 46% to $1.4 billion.

• Closed a $184 million securitization backed by $216 million of longer amortizing C&I loans.

Risk oversight and compliance

• Strengthened regulatory capital by raising $30 million in common equity tier 1 and $80 million in tier 1 capital.

• Tier 1 capital ratio improved to 20.5% and total risk-based capital ratio increased to 21.8%.

• Credit risk is managed proactively, with a focus on maintaining wide lending margins and credit quality.

ESG and sustainability initiatives

• Operates without branches or traditional bankers, leveraging technology and AI for efficiency.

• Provides business customers with a digital portal and real-time money movement capabilities.

• Focuses on supporting independent business owners with a comprehensive suite of financial solutions.