Newtek Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 21.4% higher than in Q1 2026, at $99.9M. Within Florida, Newtek Bank, N.A. is 49th of 56 on CET1 ratio, 11.52% as of Q2 2026, below the middle of the field. Newtek Bank, N.A. reported 11.52% on CET1 ratio for Q2 2026, 1.96 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.52% |
| Tier 1 risk-based capital ratio | 11.52% |
| Total risk-based capital ratio | 12.79% |
| Tier 1 leverage ratio | 8.66% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $194.3M |
| Tier 1 capital | $194.3M |
| Total risk-based capital | $215.8M |
| Total equity capital | $206.0M |
| Risk-weighted assets | $1.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.33% |
| Tangible equity to tangible assets | 7.74% |
| Equity capital to average assets | 9.13% |
| Internal capital growth rate | 38.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $840K |
| Common stock surplus | $105.4M |
| Retained earnings | $99.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.62% | 23.62% | 24.88% | 15.18% | $373.6M |
| Q4 2023 | 21.49% | 21.49% | 22.75% | 16.62% | $461.9M |
| Q1 2024 | 17.66% | 17.66% | 18.93% | 15.50% | $568.6M |
| Q2 2024 | 17.06% | 17.06% | 18.33% | 13.76% | $626.0M |
| Q3 2024 | 15.51% | 15.51% | 16.79% | 13.30% | $727.6M |
| Q4 2024 | 14.28% | 14.28% | 15.56% | 12.05% | $847.8M |
| Q1 2025 | 13.35% | 13.35% | 14.64% | 10.46% | $946.8M |
| Q2 2025 | 12.96% | 12.96% | 14.24% | 11.37% | $1.05B |
| Q3 2025 | 12.98% | 12.98% | 14.26% | 11.19% | $1.16B |
| Q4 2025 | 12.12% | 12.12% | 13.40% | 10.27% | $1.28B |
| Q1 2026 | 11.08% | 11.08% | 12.35% | 9.09% | $1.54B |
| Q2 2026 | 11.52% | 11.52% | 12.79% | 8.66% | $1.69B |
Newtek Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Newtek Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Newtek Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18734) · FFIEC NIC profile (RSSD 502111)