The performance of loans modified for borrowers experiencing financial difficulty is closely monitored by the Company to evaluate the effectiveness of modification efforts. Modifications made to borrowers experiencing financial difficulty that subsequently become 90 days or more past due under the modified terms are considered subsequently defaulted. The following table provides information, by type of modification, about loans that were modified within the last 12 months and subsequently defaulted during the three months ended December 31, 2025 and December 31, 2024. There were no home equity loans that subsequently defaulted for the three months ended December 31, 2025 and December 31, 2024.


	For the Three Months Ended December 31, 2025
	Interest Rate Reduction		Term Extension		Significant Payment Delay		Combination-Rate Reduction & Term Extension		Other		Total
Residential Core	$	—	$	—	$	396	$	78	$	—	$	474
Residential Home Today	—		—		—		—		—		—
Home equity lines of credit	—		—		45		—		—		45


Total	$	—	$	—	$	441	$	78	$	—	$	519


	For the Three Months Ended December 31, 2024
	Interest Rate Reduction		Term Extension		Significant Payment Delay		Combination-Rate Reduction & Term Extension		Other		Total
Residential Core	$	—	$	—	$	25	$	14	$	—	$	39
Residential Home Today	—		—		58		—		—		58
Home equity lines of credit	—		—		199		—		—		199


Total	$	—	$	—	$	282	$	14	$	—	$	296