NewtekOne (NEWT) Registration filing summary

Company overview and business model

• Operates as a financial holding company regulated by the Federal Reserve, offering business and financial solutions to the SMB market under the Newtek® and NewtekOne® brands.

• Serves over 36 million U.S. SMBs, defined as businesses with $1M–$100M in revenue.

• Subsidiaries include Newtek Bank, Newtek Small Business Finance, Newtek Merchant Solutions, Newtek Payroll and Benefits Solutions, Newtek Insurance Agency, and others.

• Revenue streams include SBA 7(a) loan sales, servicing income, and business line revenues from lending, payments, insurance, payroll, and banking.

• As of March 31, 2026, reported $2.9B in assets, $1.9B in deposits, and $404.7M in shareholders' equity.

Financial performance and metrics

• Consolidated total assets: $2.9 billion as of March 31, 2026.

• Deposits: $1.9 billion as of March 31, 2026.

• Shareholders' equity: $404.7 million as of March 31, 2026.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used for general corporate purposes unless otherwise specified in a prospectus supplement.