Three Months Ended

Nine Months Ended

July 31,

July 31,

(In thousands)

2026

2025

2026

2025

Loan origination reserves, beginning of period

$

2,168

$

2,738

$

2,016

$

2,520

Provisions for estimated losses during the period

104

184

314

441

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

56

11

56

11

Payments/settlements

Loan origination reserves, end of period

$

2,318

$

2,889

$

2,318

$

2,889