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Note 5 - Loans, Net of Allowance for Credit Losses - Summary of Loan, ECL, and EL amounts by lending asset category (Details) - CAD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Apr. 30, 2023
Apr. 30, 2022
Apr. 30, 2023
Apr. 30, 2022
Jan. 31, 2023
Oct. 31, 2022
Jan. 31, 2022
Statement Line Items [Line Items]              
Provision for (recovery of) credit losses $ 237 $ 78 $ 622 $ 80      
Loans [member]              
Statement Line Items [Line Items]              
Notional amount 3,405,091   3,405,091   $ 3,405,091 $ 2,979,880 $ 2,442,204
ECL allowance $ 2,526 1,533 $ 2,526 1,533 2,526 $ 1,904 1,533
EL % 0.07%   0.07%     0.06%  
Balance at beginning of period $ 2,526 1,533 $ 1,904        
Recoveies 0            
Balance at end of period 2,526 1,533 2,526 1,533      
Loans [member] | Stage 1 [member]              
Statement Line Items [Line Items]              
Notional amount 3,327,160   3,327,160     $ 2,862,939  
ECL allowance $ 2,403 1,431 $ 2,403 1,431   $ 1,766  
EL % 0.07%   0.07%     0.06%  
Balance at beginning of period     $ 1,766        
Recoveies $ 0            
Balance at end of period 2,403 1,431 2,403 1,431      
Loans [member] | Stage 2 [member]              
Statement Line Items [Line Items]              
Notional amount 58,590   58,590     $ 116,662  
ECL allowance $ 123 102 $ 123 102   $ 138  
EL % 0.21%   0.21%     0.12%  
Balance at beginning of period     $ 138        
Recoveies $ 0            
Balance at end of period 123 102 123 102      
Loans [member] | Financial instruments credit-impaired [member]              
Statement Line Items [Line Items]              
Notional amount 19,341   19,341     $ 279  
ECL allowance $ 0 0 $ 0 0   $ 0  
EL % 0.00%   0.00%     0.00%  
Balance at beginning of period     $ 0        
Recoveies $ 0            
Balance at end of period 0 0 0 0      
Point of sale loans and leases [member] | Loans [member]              
Statement Line Items [Line Items]              
Notional amount 2,538,917   2,538,917   2,538,917 $ 2,220,894 1,610,336
ECL allowance $ 59 40 $ 59 40 57 $ 54 36
EL % 0.49%   0.49%     0.41%  
Balance at beginning of period $ 57 36 $ 54 45      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 2 4 5 (5)      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 2 4 5 (5)      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 59 40 59 40      
Point of sale loans and leases [member] | Loans [member] | Stage 1 [member]              
Statement Line Items [Line Items]              
Notional amount 2,527,006   2,527,006     $ 2,215,388  
ECL allowance $ 59 40 $ 59 40 57 $ 54 36
EL % 0.49%   0.49%     0.41%  
Balance at beginning of period $ 57 36 $ 54 45      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 2 4 5 (5)      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 2 4 5 (5)      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 59 40 59 40      
Point of sale loans and leases [member] | Loans [member] | Stage 2 [member]              
Statement Line Items [Line Items]              
Notional amount 7,481   7,481     $ 5,227  
ECL allowance $ 0 0 $ 0 0 0 $ 0 0
EL % 0.00%   0.00%     0.00%  
Balance at beginning of period $ 0 0 $ 0 0      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 0 0 0 0      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 0 0 0 0      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 0 0 0 0      
Point of sale loans and leases [member] | Loans [member] | Financial instruments credit-impaired [member]              
Statement Line Items [Line Items]              
Notional amount 4,430   4,430     $ 279  
ECL allowance $ 0 0 $ 0 0 0 $ 0 0
EL % 0.00%   0.00%     0.00%  
Balance at beginning of period $ 0 0 $ 0 0      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 0 0 0 0      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 0 0 0 0      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 0 0 0 0      
Commercial real estate mortgages [member] | Loans [member]              
Statement Line Items [Line Items]              
Notional amount 807,828   807,828   807,828 $ 710,369 782,274
ECL allowance $ 627 419 $ 627 419 583 $ 545 370
EL % 0.02%   0.02%     0.02%  
Balance at beginning of period $ 583 370 $ 545 275      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 44 49 82 144      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 44 49 82 144      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 627 419 627 419      
Commercial real estate mortgages [member] | Loans [member] | Stage 1 [member]              
Statement Line Items [Line Items]              
Notional amount 741,980   741,980     $ 599,113  
ECL allowance $ 627 419 $ 627 419 583 $ 545 370
EL % 0.02%   0.02%     0.02%  
Balance at beginning of period $ 583 370 $ 545 275      
Transfer in (out) to Stage 1 32 14 70 52      
Transfer in (out) to Stage 2 (118) (27) (172) (85)      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 130 62 184 177      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 44 49 82 144      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 627 419 627 419      
Commercial real estate mortgages [member] | Loans [member] | Stage 2 [member]              
Statement Line Items [Line Items]              
Notional amount 50,937   50,937     $ 111,256  
ECL allowance $ 0 0 $ 0 0 0 $ 0 0
EL % 0.00%   0.00%     0.00%  
Balance at beginning of period $ 0 0 $ 0 0      
Transfer in (out) to Stage 1 (32) (14) (70) (52)      
Transfer in (out) to Stage 2 118 27 172 85      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance (86) (13) (102) (33)      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 0 0 0 0      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 0 0 0 0      
Commercial real estate mortgages [member] | Loans [member] | Financial instruments credit-impaired [member]              
Statement Line Items [Line Items]              
Notional amount 14,911   14,911     $ 0  
ECL allowance $ 0 0 $ 0 0 0 $ 0 0
EL % 0.00%   0.00%     0.00%  
Balance at beginning of period $ 0 0 $ 0 0      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 0 0 0 0      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 0 0 0 0      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 0 0 0 0      
Commercial real estate loans [member] | Loans [member]              
Statement Line Items [Line Items]              
Notional amount 11,996   11,996   11,996 $ 13,165 14,065
ECL allowance $ 1,767 1,049 $ 1,767 1,049 1,591 $ 1,287 1,045
EL % 0.22%   0.22%     0.18%  
Balance at beginning of period $ 1,591 1,045 $ 1,287 1,114      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 139 (56) 371 (108)      
Loan originations 63 80 149 160      
Derecognitions and maturities (26) (20) (40) (117)      
Provision for (recovery of) credit losses 176 4 480 (65)      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 1,767 1,049 1,767 1,049      
Commercial real estate loans [member] | Loans [member] | Stage 1 [member]              
Statement Line Items [Line Items]              
Notional amount 11,996   11,996     $ 13,165  
ECL allowance $ 1,647 948 $ 1,647 948 1,517 $ 1,150 949
EL % 0.22%   0.22%     0.19%  
Balance at beginning of period $ 1,517 949 $ 1,150 980      
Transfer in (out) to Stage 1 17 8 79 22      
Transfer in (out) to Stage 2 (88) 0 (118) (4)      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 159 (69) 422 (97)      
Loan originations 63 80 149 160      
Derecognitions and maturities (21) (20) (35) (113)      
Provision for (recovery of) credit losses 130 (1) 497 (32)      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 1,647 948 1,647 948      
Commercial real estate loans [member] | Loans [member] | Stage 2 [member]              
Statement Line Items [Line Items]              
Notional amount 0   0     $ 0  
ECL allowance $ 120 101 $ 120 101 74 $ 137 96
EL % 0.24%   0.24%     0.12%  
Balance at beginning of period $ 74 96 $ 137 134      
Transfer in (out) to Stage 1 (17) (8) (79) (22)      
Transfer in (out) to Stage 2 88 0 118 4      
Transfer in (out) to Stage 3 (13) 0 (13) 0      
Net remeasurement of loss allowance (7) 13 (38) (11)      
Loan originations 0 0 0 0      
Derecognitions and maturities (5) 0 (5) (4)      
Provision for (recovery of) credit losses 46 5 (17) (33)      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 120 101 120 101      
Commercial real estate loans [member] | Loans [member] | Financial instruments credit-impaired [member]              
Statement Line Items [Line Items]              
Notional amount 0   0     $ 0  
ECL allowance $ 0 0 $ 0 0 0 $ 0 0
EL % 0.00%   0.00%     0.00%  
Balance at beginning of period $ 0 0 $ 0 0      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 13 0 13 0      
Net remeasurement of loss allowance (13) 0 (13) 0      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 0 0 0 0      
Write-offs 0 0 0 0      
Recoveies 0 0 0 0      
Balance at end of period 0 0 0 0      
Public sector and other financing [member] | Loans [member]              
Statement Line Items [Line Items]              
Notional amount 46,350   46,350   46,350 $ 35,452 35,529
ECL allowance $ 73 25 $ 73 25 58 $ 18 4
EL % 0.16%   0.16%     0.05%  
Balance at beginning of period $ 58 4 $ 18 19      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance (1) 21 12 7      
Loan originations 16 0 43 0      
Derecognitions and maturities 0 0 0 (1)      
Provision for (recovery of) credit losses 15 21 55 6      
Write-offs 0 0 0 0      
Recoveies   0 0 0      
Balance at end of period 73 25 73 25      
Public sector and other financing [member] | Loans [member] | Stage 1 [member]              
Statement Line Items [Line Items]              
Notional amount 46,178   46,178     $ 35,273  
ECL allowance $ 70 24 $ 70 24 55 $ 17 4
EL % 0.15%   0.15%     0.05%  
Balance at beginning of period $ 55 4 $ 17 16      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance (1) 20 10 9      
Loan originations 16 0 43 0      
Derecognitions and maturities 0 0 0 (1)      
Provision for (recovery of) credit losses 15 20 53 8      
Write-offs 0 0 0 0      
Recoveies   0 0 0      
Balance at end of period 70 24 70 24      
Public sector and other financing [member] | Loans [member] | Stage 2 [member]              
Statement Line Items [Line Items]              
Notional amount 172   172     $ 179  
ECL allowance $ 3 1 $ 3 1 3 $ 1 0
EL % 1.74%   1.74%     0.56%  
Balance at beginning of period $ 3 0 $ 1 3      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 0 1 2 (2)      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 0 1 2 (2)      
Write-offs 0 0 0 0      
Recoveies   0 0 0      
Balance at end of period 3 1 3 1      
Public sector and other financing [member] | Loans [member] | Financial instruments credit-impaired [member]              
Statement Line Items [Line Items]              
Notional amount 0   0     $ 0  
ECL allowance $ 0 0 $ 0 0 $ 0 $ 0 $ 0
EL % 0.00%   0.00%     0.00%  
Balance at beginning of period $ 0 0 $ 0 0      
Transfer in (out) to Stage 1 0 0 0 0      
Transfer in (out) to Stage 2 0 0 0 0      
Transfer in (out) to Stage 3 0 0 0 0      
Net remeasurement of loss allowance 0 0 0 0      
Loan originations 0 0 0 0      
Derecognitions and maturities 0 0 0 0      
Provision for (recovery of) credit losses 0 0 0 0      
Write-offs 0 0 0 0      
Recoveies   0 0 0      
Balance at end of period $ 0 $ 0 $ 0 $ 0