Year Ended

October 31,

(In thousands)

2025

2024

Loan origination reserves, beginning of period

$

2,520

$

2,013

Provisions for estimated losses during the period

469

1,134

Payments/settlements

(201

)

(627

)

Adjustments to pre-existing provisions for losses from changes in estimates

(772

)

-

Loan origination reserves, end of period

$

2,016

$

2,520