Note 23 - Commitments and Contingencies

12 Months Ended

Oct. 31, 2025

Statement Line Items [Line Items]

Disclosure of commitments and contingent liabilities [text block]

23. Commitments and contingencies:

a) Credit commitments:

The amount of credit related commitments represents the maximum amount of additional credit that the Bank could be obliged to extend. Under certain circumstances, the Bank may cancel credit asset commitments at its option. Letters of credit amounts are not necessarily indicative of the associated credit risk exposure as many of these arrangements are contracted for a limited period of usually less than one year and will expire or terminate without being drawn upon.

(thousands of Canadian dollars)
	2025		2024
Credit asset commitments	$	589,005	$	635,433
Letters of credit		46,849		65,671
	$	635,854	$	701,104

b) Pledged assets:

In the ordinary course of business, assets are pledged against off-balance sheet letters of credit, derivative exposures and to secure public deposits exceeding FDIC insurance limits, totaling $20.9 million (2024 - $14.0 million).