NASDAQ: NEWT January 29, 2026 Fourth Quarter 2025 Financial Results Conference Call Hosted and Presented by: Barry Sloane, President & CEO Frank M. DeMaria, EVP & CFO Investor Relations Bryce Rowe browe@newtekone.com (212) 273-8292 www.newtekone.com Note Regarding Forward-Looking Statements Certain statements in this presentation and made during this conference call include statements about the plans and future prospects for NewtekOne, Inc and consolidated subsidiaries (the "Company") and our industry that ...

Financial Performance & Growth - Since Q1 2023, NewtekOne's book value/share has increased by 45% from $8.06 to $11.72[14] - Tangible common book value (TBV)/share has increased by 62% from $6.92 to $11.22 since Q1 2023[14] - NewtekOne has distributed $2.05 of common dividends/share over the eleven quarters since transitioning to a financial holding company[14] - The company's operating efficiency ratio has improved from over 70% in 2023 to 56.3% as of September 30, 2025[44] - Hypothetical $300 million loan pool generates $22.7 million of annual net interest income[84] Lending & Securitization - Approximately $850 million of originations across 180 loans in C&I loans held for sale since 2018[75] - The ALP securitization completed in April 2025 generates 570 bps of spread income after FV mark on securitization not including 100 bps of servicing income[75] - The advance rate for the 2026-1 securitization is 86%, with an ALP Loan Pool of $340 million[76] Newtek Advantage Platform - Newtek Bank has grown to $1.5 billion in assets (7x over three years) since acquisition[44] - The platform generates approximately 600 new referrals per day as a client acquisition tool[44] - In 2025, NewtekOne originated over $1.4 billion in loans[45]