Note 16 - Income Taxes (Tables)

12 Months Ended

Oct. 31, 2025

Statement Line Items [Line Items]

Disclosure of reconciliation of income tax expense [text block]

(thousands of Canadian dollars)
	2025			2024
Income before income taxes	$	41,493		$	54,793
Income tax rate		27	%		27	%
Expected income tax provision		11,203			14,794
Tax rate differential on international operations		(50	)		(426	)
Change in unrecognized deferred income taxes		492			1,671
Effect of changes in tax rates		(403	)		(89	)
Other permanent differences		886			(174	)
Adjustments for prior years		907			(731	)
Income taxes	$	13,035		$	15,045

Disclosure of major components of income tax expense [text block]

(thousands of Canadian dollars)
	2025			2024
Current income taxes	$	13,263		$	12,328
Deferred income taxes		(228	)		2,717
Income taxes	$	13,035		$	15,045

Disclosure of temporary difference, unused tax losses and unused tax credits [text block]

(thousands of Canadian dollars)
			Recognized			Recognized
	November 1,		in net			directly to		October 31,
	2024		income			equity		2025
Allowance for credit losses	$	631	$	1,208		$	-	$	1,839
Loss carry forwards		1,559		288			705		2,552
Share issue and financing costs		17		(896	)		2,248		1,369
Deferred loan fees		699		(199	)		-		500
Property and equipment and right-of-use assets		558		49			-		607
Other		45		291			-		336
Total deferred tax assets		3,509		741			2,953		7,203
Intangibles assets		503		(127	)		-		376
Deposit commissions		1,895		186			-		2,081
Property and equipment and right-of-use assets		48		277			-		325
Other		454		(39	)		-		415
Total deferred tax liabilities		2,900		297			-		3,197
Net deferred income tax assets	$	609	$	444		$	2,953	$	4,006

(thousands of Canadian dollars)
			Recognized			Recognized
	November 1,		in net			directly to		October 31,
	2023		income			equity		2024
Allowance for credit losses	$	666	$	(35	)	$	-	$	631
Loss carry forwards		1,625		(66	)		-		1,559
Share issue and financing costs		446		(429	)		-		17
Deferred loan fees		818		(119	)		-		699
Property and equipment and right-of-use assets		580		(22	)		-		558
Other		1,790		(1,745	)		-		45
Total deferred tax assets		5,925		(2,416	)		-		3,509
Intangibles assets		598		(95	)		-		503
Deposit commissions		1,823		72			-		1,895
Property and equipment and right-of-use assets		133		(85	)		-		48
Other		44		410			-		454
Total deferred tax liabilities		2,598		302			-		2,900
Net deferred income tax assets	$	3,327	$	(2,718	)	$	-	$	609

(thousands of Canadian dollars)
	2025			2024
Deferred tax assets	$	4,039		$	750
Deferred tax liabilities		(33	)		(141	)
Net deferred income tax assets	$	4,006		$	609