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Newtek Bank, National Association

Miami, FL · Cert 18734 · Newtekone Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

2

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

95

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Newtek Bank, National Association

Miami, FL · Cert 18734 · Newtekone Inc.

National charter · OCC · 1 branch

Q2 2026

$2.5BAssets
$2.1BLoans
$2.2BDeposits
$206.0MEquity
Loan mix
60%RE $1.0B40%C&I $0.7B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $2.2B3%Noninterest $0.1BQ2 2025Q2 2026

NIM

7.69%Q2 ’248.30%Q2 ’257.11%Q2 ’26+16%-20%

Non-interest income vs. expense

8.92%Q2 ’247.22%Q2 ’254.73%Q2 ’26+57%-35%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.6% share · #28 of 86 inst. · $2.2B of $348.8B

Executive Summary

  • Earnings: ROA of 4.50%, up 162 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 7.18% of loans (+234 bps YoY), with net charge-offs at 1.33%.
  • Capital: tier 1 leverage ratio of 8.66%, down 271 bps from a year ago.
  • Funding: loans stand at 92.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

4.50%+162 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-102 bps YoY

Efficiency Ratio (YTD, annualized)

38.28%-1,009 bps YoY

Tier 1 Leverage Ratio

8.66%-271 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.88%3.10%2.93%4.15%4.50%+162 bps
Return on Equity26.42%28.45%27.65%46.20%51.57%+2,515 bps
Net Interest Margin5.10%4.86%4.59%4.34%4.08%-102 bps
Efficiency Ratio48.37%47.81%47.95%39.97%38.28%-1,009 bps
Non-Interest Burden-2.64%-2.27%-1.72%-3.59%-3.55%-91 bps
Growth
Asset Growth (YoY)64.45%63.83%42.53%73.19%83.82%+1,937 bps
Loan Growth (YoY)96.91%92.51%82.90%80.43%84.89%-1,202 bps
Deposit Growth (YoY)74.26%72.25%45.05%81.36%91.89%+1,763 bps
Asset Quality
Nonperforming Loans / Loans4.84%5.96%6.11%5.62%7.18%+234 bps
Net Charge-Offs / Loans1.84%1.61%1.67%1.86%1.33%-51 bps
Allowance / Loans3.84%3.56%3.20%2.77%2.57%-127 bps
Allowance Coverage of NPLs0.8x0.6x0.5x0.5x0.4x-0.4x
Capital
Tier 1 Leverage Ratio11.37%11.19%10.27%9.09%8.66%-271 bps
Total Risk-Based Capital14.24%14.26%13.40%12.35%12.79%-145 bps
Equity / Assets11.14%10.90%9.67%8.44%8.33%-281 bps
Liquidity & Funding
Loans / Deposits95.97%98.84%93.52%87.23%92.48%-350 bps
Liquid Assets / Assets13.60%12.91%16.23%17.45%14.92%+132 bps
CRE / Total Capitaln/a413%447%489%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Newtek Bank, National Association

Miami, FL · Cert 18734 · Peer group: banks $1B-$10B in assets (n=322-328) · Newtekone Inc.

National charter · OCC · 1 branch

Q2 2026

$2.5BAssets
$2.1BLoans
$2.2BDeposits
$206.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 99% of banks $1B-$10B in assets (rank 3 of 328).
  • Widest gap: nonperforming loans / loans trails 100% of banks $1B-$10B in assets (rank 322 of 322).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

3.86%

Rank 7 of 328

Net Interest Margin

4.08%

Rank 51 of 328

Efficiency Ratio

38.33%

Rank 17 of 328

Equity / Assets

8.33%

Rank 299 of 328

Non-interest income vs. expense

$186.7M$106.6MINCOMEEXPENSE
Favorable gap of $80.1M · efficiency ratio beats 95% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.86%0.91%1.22%1.52%Beats 98%7 / 328
Return on Equity46.38%8.43%11.45%14.43%Beats 99%3 / 328
Net Interest Margin4.08%3.03%3.45%3.83%Beats 84%51 / 328
Efficiency Ratio38.33%51.61%59.56%67.53%Beats 95%17 / 328
Asset Quality
Nonperforming Loans / Loans7.18%0.24%0.51%1.03%Beats 0%322 / 322
Net Charge-Offs / Loans0.71%0.01%0.03%0.10%Beats 4%309 / 322
Capital
Tier 1 Capital Ratio11.52%11.75%13.15%15.47%Beats 23%252 / 328
Total Risk-Based Capital Ratio12.79%12.63%14.15%16.46%Beats 27%238 / 328
Equity / Assets8.33%9.15%10.33%12.01%Beats 9%299 / 328
Liquidity & Funding
Loans / Deposits92.48%76.63%87.92%95.36%67th pctl106 / 323
Loans / Assets82.92%65.18%74.15%79.98%84th pctl51 / 328
Brokered Deposits / Depositsn/aNot reported for this institution