Note 25 - Operating Segments (Tables)

12 Months Ended

Oct. 31, 2025

Statement Line Items [Line Items]

Disclosure of operating segments [text block]

(thousands of Canadian dollars)
for the year ended	October 31, 2025
	Digital Banking		Digital Banking			Digital Meteor			DRTC			Eliminations/			Consolidated
	Canada		USA									Adjustments
Net interest income	$	103,265	$	12,903		$	-		$	-		$	-		$	116,168
Non-interest income		460		(39	)		2,206			7,245			(1,399	)		8,473
Total revenue		103,725		12,864			2,206			7,245			(1,399	)		124,641
Provision for (recovery of) credit losses		4,553		(140	)		-			-			-			4,413
		99,172		13,004			2,206			7,245			(1,399	)		120,228
Non-interest expenses:
Salaries and benefits		25,785		5,015			814			6,370			-			37,984
General and administrative		29,560		3,484			574			1,508			(1,399	)		33,727
Premises and equipment		3,677		722			820			1,805			-			7,024
		59,022		9,221			2,208			9,683			(1,399	)		78,735
Income (loss) before income taxes		40,150		3,783			(2	)		(2,438	)		-			41,493
Income tax provision		12,538		1,111			-			(614	)		-			13,035
Net income (loss)	$	27,612	$	2,672		$	(2	)	$	(1,824	)	$	-		$	28,458
Total assets	$	5,050,922	$	759,733		$	10,207		$	24,538		$	(36,925	)	$	5,808,475
Total liabilities	$	4,777,508	$	498,822		$	8,006		$	28,319		$	(36,853	)	$	5,275,802

for the year ended	October 31, 2024
	Digital Banking			Digital Banking			Digital Meteor		DRTC			Eliminations/			Consolidated
	Canada			USA								Adjustments
Net interest income	$	101,263		$	1,392		$	-	$	-		$	-		$	102,655
Non-interest income		698			1			1,183		8,455			(1,359	)		8,978
Total revenue		101,961			1,393			1,183		8,455			(1,359	)		111,633
Provision for (recovery of) credit losses		(134	)		(134	)		-		-			-			(268	)
		102,095			1,527			1,183		8,455			(1,359	)		111,901
Non-interest expenses:
Salaries and benefits		26,523			437			526		5,298			-			32,784
General and administrative		18,324			365			242		1,597			(1,359	)		19,169
Premises and equipment		3,292			105			120		1,638			-			5,155
		48,139			907			888		8,533			(1,359	)		57,108
Income (loss) before income taxes		53,956			620			295		(78	)		-			54,793
Income tax provision		14,860			155			41		(11	)		-			15,045
Net income (loss)	$	39,096		$	465		$	254	$	(67	)	$	-		$	39,748
Total assets	$	4,602,360		$	226,319		$	3,434	$	23,564		$	(17,193	)	$	4,838,484
Total liabilities	$	4,343,878		$	90,716		$	1,371	$	28,894		$	(25,578	)	$	4,439,281