Mortgage Servicing Rights (Tables)

12 Months Ended

Dec. 31, 2024

Mortgage Servicing Rights

Schedule of mortgage servicing rights

	December 31,		December 31,
	2024		2023
Fair value as of the beginning of year	$	300	$	315
Changes in fair value due to changes in valuation inputs or assumptions		(46)		(15)
Fair value at the end of year	$	254	$	300

Schedule of estimated fair value of mortgage servicing rights

	December 31,		December 31,
	2024		2023
Range of discount rates	9.625-12.625	%	9.75-12.25	%
Range of prepayment speeds (1)	91-375		86-282
Weighted average default rate	1.06	%	1.24	%

(1) Prepayment speeds measured in the Public Securities Associate Standard prepayment model (PSA) PSA is the assumed monthly rate of prepayment that is annualized to the outstanding principal balance of a mortgage loan.