XML 118 R85.htm IDEA: XBRL DOCUMENT v3.25.3
Note 20 - Interest Rate Risk and Liquidity Risk - Interest Rate Risk Gaps (Details) - CAD ($)
$ in Thousands
Oct. 31, 2025
Oct. 31, 2024
Oct. 31, 2023
Statement Line Items [Line Items]      
Cash $ 581,710 $ 225,254 $ 132,242
Securities 80,923 299,300  
Total credit assets 5,066,378    
Other 79,464    
Total assets 5,808,475 4,838,484  
Deposits 4,860,863 4,144,673  
Subordinated notes* 103,516 102,503  
Other 311,423 192,105  
Equity 532,673 399,203  
Total liabilities and equity 5,808,475 4,838,484  
Derivative instruments 0 20  
Gap 0 0  
Cumulative 0 0  
Interest rate swap contract [member]      
Statement Line Items [Line Items]      
Derivative instruments 0    
Loans [member]      
Statement Line Items [Line Items]      
Total credit assets 5,066,378 4,236,116  
Interest rate risk [member]      
Statement Line Items [Line Items]      
Cash 0    
Securities 0    
Total credit assets 16,139    
Other 79,464    
Total assets 95,603    
Deposits 69,302    
Subordinated notes* 0    
Other 15,761    
Equity 532,673    
Total liabilities and equity 617,736    
Gap (522,133) (394,690)  
Cumulative 0 0  
Interest rate risk [member] | Interest rate swap contract [member]      
Statement Line Items [Line Items]      
Derivative instruments 0    
Floating interest rate [member]      
Statement Line Items [Line Items]      
Deposits 851,362    
Floating interest rate [member] | Interest rate risk [member]      
Statement Line Items [Line Items]      
Cash 581,710    
Securities 0    
Total credit assets 819,260    
Other 0    
Total assets 1,400,970    
Deposits 851,362    
Subordinated notes* 0    
Other 295,662    
Equity 0    
Total liabilities and equity 1,147,024    
Gap 274,143 56,823  
Cumulative 274,143 56,823  
Floating interest rate [member] | Interest rate risk [member] | Interest rate swap contract [member]      
Statement Line Items [Line Items]      
Derivative instruments $ 20,197    
Floating interest rate [member] | Interest rate risk [member] | Cash [member]      
Statement Line Items [Line Items]      
Effective rate 2.92%    
Floating interest rate [member] | Interest rate risk [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 6.42%    
Floating interest rate [member] | Interest rate risk [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 1.39%    
Floating interest rate [member] | Interest rate risk [member] | Other liabilities [member]      
Statement Line Items [Line Items]      
Effective rate 2.06%    
Fixed interest rate [member] | Not later than three months [member]      
Statement Line Items [Line Items]      
Deposits $ 633,824    
Fixed interest rate [member] | Later than three months and not later than one year [member]      
Statement Line Items [Line Items]      
Deposits 1,733,111    
Fixed interest rate [member] | Later than one year and not later than two years [member]      
Statement Line Items [Line Items]      
Deposits 785,369    
Fixed interest rate [member] | Later than five years [member]      
Statement Line Items [Line Items]      
Deposits 0    
Fixed interest rate [member] | Later than two years and not later than five years [member]      
Statement Line Items [Line Items]      
Deposits 787,895    
Fixed interest rate [member] | Interest rate risk [member]      
Statement Line Items [Line Items]      
Total credit assets 2,797,605    
Fixed interest rate [member] | Interest rate risk [member] | Not later than three months [member]      
Statement Line Items [Line Items]      
Cash 0    
Securities 69,778    
Total credit assets 86,239    
Other 0    
Total assets 156,017    
Deposits 633,824    
Subordinated notes* 0    
Other 0    
Equity 0    
Total liabilities and equity 633,824    
Gap (477,807) (56,584)  
Cumulative (203,664) 239  
Fixed interest rate [member] | Interest rate risk [member] | Not later than three months [member] | Interest rate swap contract [member]      
Statement Line Items [Line Items]      
Derivative instruments $ 0    
Fixed interest rate [member] | Interest rate risk [member] | Not later than three months [member] | Securities [member]      
Statement Line Items [Line Items]      
Effective rate 3.86%    
Fixed interest rate [member] | Interest rate risk [member] | Not later than three months [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 5.86%    
Fixed interest rate [member] | Interest rate risk [member] | Not later than three months [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 3.70%    
Fixed interest rate [member] | Interest rate risk [member] | Later than three months and not later than one year [member]      
Statement Line Items [Line Items]      
Cash $ 0    
Securities 6,771    
Total credit assets 336,196    
Other 0    
Total assets 342,967    
Deposits 1,733,111    
Subordinated notes* 0    
Other 0    
Equity 0    
Total liabilities and equity 1,733,111    
Gap (1,390,144) (1,395,117)  
Cumulative (1,593,809) (1,394,878)  
Fixed interest rate [member] | Interest rate risk [member] | Later than three months and not later than one year [member] | Interest rate swap contract [member]      
Statement Line Items [Line Items]      
Derivative instruments $ 0    
Fixed interest rate [member] | Interest rate risk [member] | Later than three months and not later than one year [member] | Securities [member]      
Statement Line Items [Line Items]      
Effective rate 3.77%    
Fixed interest rate [member] | Interest rate risk [member] | Later than three months and not later than one year [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 5.29%    
Fixed interest rate [member] | Interest rate risk [member] | Later than three months and not later than one year [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 3.61%    
Fixed interest rate [member] | Interest rate risk [member] | Later than one year and not later than two years [member]      
Statement Line Items [Line Items]      
Cash $ 0    
Securities 0    
Total credit assets 417,528    
Other 0    
Total assets 417,528    
Deposits 785,369    
Subordinated notes* 0    
Other 0    
Equity 0    
Total liabilities and equity 785,369    
Gap (367,841) (180,491)  
Cumulative (1,961,649) (1,575,369)  
Fixed interest rate [member] | Interest rate risk [member] | Later than one year and not later than two years [member] | Interest rate swap contract [member]      
Statement Line Items [Line Items]      
Derivative instruments $ 0    
Fixed interest rate [member] | Interest rate risk [member] | Later than one year and not later than two years [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 5.74%    
Fixed interest rate [member] | Interest rate risk [member] | Later than one year and not later than two years [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 3.88%    
Fixed interest rate [member] | Interest rate risk [member] | Later than two year and not later than five years [member]      
Statement Line Items [Line Items]      
Cash $ 0    
Securities 0    
Other 0    
Total assets 2,797,605    
Deposits 787,895    
Subordinated notes* 0    
Other 0    
Equity 0    
Total liabilities and equity 787,895    
Gap 2,009,710 1,605,221  
Cumulative $ 48,061 29,852  
Fixed interest rate [member] | Interest rate risk [member] | Later than two year and not later than five years [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 5.85%    
Fixed interest rate [member] | Interest rate risk [member] | Later than two year and not later than five years [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate 4.15%    
Fixed interest rate [member] | Interest rate risk [member] | Later than five years [member]      
Statement Line Items [Line Items]      
Cash $ 0    
Securities 4,374    
Total credit assets 593,411    
Other 0    
Total assets 597,785    
Deposits 0    
Subordinated notes* 103,516    
Other 0    
Equity 0    
Total liabilities and equity 103,516    
Gap 474,072 364,838  
Cumulative 522,133 $ 394,690  
Fixed interest rate [member] | Interest rate risk [member] | Later than five years [member] | Interest rate swap contract [member]      
Statement Line Items [Line Items]      
Derivative instruments $ (20,197)    
Fixed interest rate [member] | Interest rate risk [member] | Later than five years [member] | Loans [member]      
Statement Line Items [Line Items]      
Effective rate 6.38%    
Fixed interest rate [member] | Interest rate risk [member] | Later than five years [member] | Deposits from banks [member]      
Statement Line Items [Line Items]      
Effective rate    
Fixed interest rate [member] | Interest rate risk [member] | Later than five years [member] | Subordinated notes [member]      
Statement Line Items [Line Items]      
Effective rate 5.38%    
Fixed interest rate [member] | Interest rate risk [member] | Later than two years and not later than five years [member] | Interest rate swap contract [member]      
Statement Line Items [Line Items]      
Derivative instruments $ 0