NewtekOne Inc 2026年季度报告

FORM 10-Q ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2026 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to_____ (Exact name of registrant as specified in its charter) 4800 T Rex Avenue, Suite 120, Boca Raton, Florida(Address of principal executive offices) (Zip Code) (212)356-9500(Registrant’s telephone number, including area code) Not Applicable(Former name, former address and former fiscal year, if changed since last report) Securities registered pursuant to Section 12(b) of the Act: Title of each class Nasdaq Global Market LLCNasdaq Global Market LLCNasdaq Global Market LLCNasdaq Global Market LLCNasdaq Global Market LLCNasdaq Global Market LLC Indicate by check mark whether the registrant: (1)hasfiled all reports required to be filed by Section13 or 15(d) of the SecuritiesExchange Act of 1934 during the past 12 months (or for such shorter period that the registrant was required to file such reports), and(2)has been subject to such filing requirements for the past 90 days.YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter periodthat the registrant was required to submit and post such files).YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filerAccelerated FilerNon-accelerated filerSmallerreportingcompanyEmerging growth company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial or accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).YesNoAs of August7, 2026, there were 28,884,731 shares outstanding of the registrant’s Common Stock, par value $0.02 per share. TABLE OF CONTENTS Defined Terms PART I - FINANCIAL INFORMATION Item 1.Financial Statements:Consolidated Statements of Financial Condition as of June 30, 2026 (Unaudited) and December 31, 20257Consolidated Statements of Income for the three and six months ended June 30, 2026 and 2025(Unaudited)9Consolidated Statements of Comprehensive Income for the three and six months ended June 30, 2026 and2025 (Unaudited)10Consolidated Statements of Changes in Shareholders’ Equity for the three and six months ended June 30, 2026and 2025 (Unaudited)11Consolidated Statements of Cash Flows for six months ended June 30, 2026 and 2025(Unaudited)15Notes to Consolidated Financial Statements (Unaudited)17Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations66Item 3.Quantitative and Qualitative Disclosures About Market Risk92Item 4.Controls and Procedures95PART II - OTHER INFORMATIONItem 1.Legal Proceedings96Item 1A.Risk Factors96Item 2.Unregistered Sales of Equity Securities and Use of Proceeds96Item 3.Defaults Upon Senior Securities96Item 4.Mine Safety Disclosures96Item 5.Other Information96Item 6.Exhibits97Signatures98 Defined Terms We have used “we,” “us,” “our,” “our company,” and “the Company” to refer to NewtekOne, Inc. and its subsidiaries in this report. Wealso have used several other terms in this report, which are explained or defined below: TAMTitanium Asset Management, LLCPOSPOS on Cloud, LLC, dba Newtek Payment Systems, a 95.49% owned consolidated subsidiaryNCL JVNewtek Conventional Lending, LLC, a former 50% owned joint venture, 100% Company owned asof August 27, 2025 and dissolved on September 30, 2025TSO JVNewtek-TSO II Conventional Credit Partners, LP, a 50% owned joint ventureIPMIntelligent Protection Management Corp., formerly Paltalk, Inc.IPM Preferred Stock4.0million shares of IPM Series A Non-Voting Common Equivalent Stock PART I—FINANCIAL INFORMATION NEWTEKONE, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF FINANCIAL CONDITION(In Thousands, except for Per Share Data) NEWTEKONE, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF FINANCIAL CONDITION(In Thousands, except for Per Share Data) NEWTEKONE, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)(In Thousands) F-10See accompanying notes to consolidated financial statements. NEWTEKONE, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)(In Thousands, except for Per Share Data) NEWTEKONE, INC. AND SUBSIDIARIESCONSOLIDAT