v3.25.1
Note 15 - Capital Management - Risk-based Capital Ratios (Details) - CAD ($)
$ in Thousands
Apr. 30, 2025
Oct. 31, 2024
Apr. 30, 2024
Statement Line Items [Line Items]      
Directly issued capital instruments $ 329,799 $ 215,610 $ 228,471
Contributed surplus 2,540 2,485 2,717
Retained earnings 196,284 181,238 168,776
Accumulated other comprehensive income (loss) (317) (130) 139
Regulatory capital   481,176  
Total risk-weighted assets   $ 3,323,595  
Capital ratio   14.48%  
Total assets 5,047,133 $ 4,838,484 $ 4,388,320
Transitional [member]      
Statement Line Items [Line Items]      
Regulatory capital 615,770    
Total risk-weighted assets $ 3,551,398    
Capital ratio 17.34%    
Basel III [member]      
Statement Line Items [Line Items]      
Regulatory capital $ (21,084) (25,700)  
Total assets 5,047,133 4,838,484  
Total on-balance sheet exposures 5,026,049 4,812,784  
Total off-balance sheet exposure at gross notional amount 694,300 701,104  
Adjustments for conversion to credit equivalent amount 443,374 451,759  
Total off-balance sheet exposures 250,926 249,345  
Total exposures $ 5,276,975 $ 5,062,129  
Leverage ratio 9.61% 7.38%  
Common equity tier 1 [member]      
Statement Line Items [Line Items]      
Directly issued capital instruments   $ 215,610  
Contributed surplus   2,485  
Retained earnings   181,238  
Accumulated other comprehensive income (loss)   (130)  
Regulatory capital before adjustments   399,203  
Adjustments to capital   (25,700)  
Regulatory capital   $ 373,503  
Capital ratio   11.24%  
Common equity tier 1 [member] | Transitional [member]      
Statement Line Items [Line Items]      
Directly issued capital instruments $ 329,799    
Contributed surplus 2,540    
Retained earnings 196,284    
Accumulated other comprehensive income (loss) (317)    
Regulatory capital before adjustments 528,306    
Adjustments to capital (21,084)    
Regulatory capital $ 507,222    
Capital ratio 14.28%    
Capital Tier 1 [member]      
Statement Line Items [Line Items]      
Directly issued capital instruments   $ 0  
Regulatory capital $ 507,222 $ 373,503  
Capital ratio   11.24%  
Capital Tier 1 [member] | Transitional [member]      
Statement Line Items [Line Items]      
Directly issued capital instruments 0    
Regulatory capital $ 507,222    
Capital ratio 14.28%    
Tier 2 capital [member]      
Statement Line Items [Line Items]      
Directly issued capital instruments $ 103,590 $ 104,370  
Regulatory capital before adjustments   104,370  
Adjustments to capital   3,303  
Regulatory capital   $ 107,673  
Tier 2 capital [member] | Transitional [member]      
Statement Line Items [Line Items]      
Regulatory capital before adjustments 103,590    
Adjustments to capital 4,958    
Regulatory capital $ 108,548