Note 24 - Capital Management (Tables)

12 Months Ended

Oct. 31, 2025

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
	2025			2024
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	325,910		$	215,610
Contributed surplus		2,473			2,485
Retained earnings		203,728			181,238
Accumulated other comprehensive income (loss)		562			(130	)
CET1 before regulatory adjustments		532,673			399,203
Regulatory adjustments applied to CET1		(23,023	)		(25,700	)
Common Equity Tier 1 capital	$	509,650		$	373,503
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	-		$	-
Total Tier 1 capital	$	509,650		$	373,503
Tier 2 capital
Directly issued Tier 2 capital instruments	$	105,135		$	104,370
Tier 2 capital before regulatory adjustments		105,135			104,370
Eligible stage 1 and stage 2 allowance		5,105			3,303
Total Tier 2 capital	$	110,240		$	107,673
Total regulatory capital	$	619,890		$	481,176
Total risk-weighted assets	$	3,943,657		$	3,323,595
Capital ratios
CET1 capital ratio		12.92	%		11.24	%
Tier 1 capital ratio		12.92	%		11.24	%
Total capital ratio		15.72	%		14.48	%

(thousands of Canadian dollars)
	2025			2024
On-balance sheet assets	$	5,808,475		$	4,838,484
Asset amounts adjusted in determining the Basel III
Tier 1 capital		(23,023	)		(25,700	)
Total on-balance sheet exposures		5,785,452			4,812,784
Replacement cost associated with all derivative transactions	$	-		$	-
Add-on amounts for PFE associated with all derivative transactions		3,975			-
Total derivative exposures		3,975			-
Total off-balance sheet exposure at gross notional amount	$	635,854		$	701,104
Adjustments for conversion to credit equivalent amount		(410,571	)		(451,759	)
Total off-balance sheet exposures		225,283			249,345
Tier 1 capital		509,650			373,503
Total exposures		6,014,710			5,062,129
Leverage ratio		8.47	%		7.38	%