v3.25.1
Note 18 - Operating Segmentation - Results of Reportable Operating Segments (Details) - CAD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Apr. 30, 2025
Apr. 30, 2024
Apr. 30, 2025
Apr. 30, 2024
Oct. 31, 2024
Statement Line Items [Line Items]          
Net interest income $ 28,032 $ 26,242 $ 53,756 $ 52,810  
Non-interest income 2,107 2,259 4,210 4,542  
Total revenue 30,139 28,501 57,966 57,352  
Provision for (recovery of) credit losses 889 16 1,913 (111)  
Revenue less provision for credit loss 29,250 28,485 56,053 57,463  
Non-interest expenses:          
Salaries and benefits 9,155 7,409 17,769 13,947  
General and administrative 6,720 3,557 12,209 7,890  
Premises and equipment 1,641 1,219 3,237 2,372  
Noninterest expense 17,516 12,185 33,215 24,209  
Income (loss) before income taxes 11,734 16,300 22,838 33,254  
Income tax provision 3,205 4,472 6,166 8,727  
Net income (loss) 8,529 11,828 16,672 24,527  
Total assets 5,047,133 4,388,320 5,047,133 4,388,320 $ 4,838,484
Total liabilities 4,518,827 3,988,217 4,518,827 3,988,217 $ 4,439,281
Net interest income 28,032 26,242 53,756 52,810  
Non-interest income 2,107 2,259 4,210 4,542  
Total revenue 30,139 28,501 57,966 57,352  
Provision for (recovery of) credit losses 889 16 1,913 (111)  
Revenue less provision for credit loss 29,250 28,485 56,053 57,463  
Operating segments [member] | Digital Banking Canada [member]          
Statement Line Items [Line Items]          
Net interest income 25,525 26,242 49,210 52,810  
Non-interest income 122 262 247 382  
Total revenue 25,647 26,504 49,457 53,192  
Provision for (recovery of) credit losses 954 16 1,987 (111)  
Revenue less provision for credit loss 24,693 26,488 47,470 53,303  
Non-interest expenses:          
Salaries and benefits 5,836 5,724 11,125 11,095  
General and administrative 5,267 3,445 9,983 7,721  
Premises and equipment 947 845 1,850 1,613  
Noninterest expense 12,050 10,014 22,958 20,429  
Income (loss) before income taxes 12,643 16,474 24,512 32,874  
Income tax provision 3,443 4,484 6,548 8,620  
Net income (loss) 9,200 11,990 17,964 24,254  
Total assets 4,761,444 4,378,863 4,761,444 4,378,863  
Total liabilities 4,386,758 3,982,924 4,386,758 3,982,924  
Net interest income 25,525 26,242 49,210 52,810  
Non-interest income 122 262 247 382  
Total revenue 25,647 26,504 49,457 53,192  
Provision for (recovery of) credit losses 954 16 1,987 (111)  
Revenue less provision for credit loss 24,693 26,488 47,470 53,303  
Operating segments [member] | Digital Banking USA [member]          
Statement Line Items [Line Items]          
Net interest income 2,507   4,546    
Non-interest income (18)   (17)    
Total revenue 2,489   4,529    
Provision for (recovery of) credit losses (65)   (74)    
Revenue less provision for credit loss 2,554   4,603    
Non-interest expenses:          
Salaries and benefits 1,464   2,628    
General and administrative 800   1,397    
Premises and equipment 104   213    
Noninterest expense 2,368   4,238    
Income (loss) before income taxes 186   365    
Income tax provision 53   129    
Net income (loss) 133   236    
Total assets 281,153   281,153    
Total liabilities 144,517   144,517    
Net interest income 2,507   4,546    
Non-interest income (18)   (17)    
Total revenue 2,489   4,529    
Provision for (recovery of) credit losses (65)   (74)    
Revenue less provision for credit loss 2,554   4,603    
Operating segments [member] | Digital Meteor [Member]          
Statement Line Items [Line Items]          
Net interest income 0 0 0 0  
Non-interest income 569 82 911 662  
Total revenue 569 82 911 662  
Provision for (recovery of) credit losses 0 0 0 0  
Revenue less provision for credit loss 569 82 911 662  
Non-interest expenses:          
Salaries and benefits 253 101 470 245  
General and administrative 343 72 387 122  
Premises and equipment 123 23 171 66  
Noninterest expense 719 196 1,028 433  
Income (loss) before income taxes (150) (114) (117) 229  
Income tax provision 2 33 2 38  
Net income (loss) (152) (147) (119) 191  
Total assets 11,086 3,022 11,086 3,022  
Total liabilities 9,029 1,010 9,029 1,010  
Net interest income 0 0 0 0  
Non-interest income 569 82 911 662  
Total revenue 569 82 911 662  
Provision for (recovery of) credit losses 0 0 0 0  
Revenue less provision for credit loss 569 82 911 662  
Operating segments [member] | Cybersecurity segment [member]          
Statement Line Items [Line Items]          
Net interest income 0 0 0 0  
Non-interest income 1,789 2,254 3,778 4,174  
Total revenue 1,789 2,254 3,778 4,174  
Provision for (recovery of) credit losses 0 0 0 0  
Revenue less provision for credit loss 1,789 2,254 3,778 4,174  
Non-interest expenses:          
Salaries and benefits 1,602 1,584 3,546 2,607  
General and administrative 665 379 1,151 723  
Premises and equipment 467 351 1,003 693  
Noninterest expense 2,734 2,314 5,700 4,023  
Income (loss) before income taxes (945) (60) (1,922) 151  
Income tax provision (293) (45) (513) 69  
Net income (loss) (652) (15) (1,409) 82  
Total assets 25,224 24,848 25,224 24,848  
Total liabilities 19,708 28,059 19,708 28,059  
Net interest income 0 0 0 0  
Non-interest income 1,789 2,254 3,778 4,174  
Total revenue 1,789 2,254 3,778 4,174  
Provision for (recovery of) credit losses 0 0 0 0  
Revenue less provision for credit loss 1,789 2,254 3,778 4,174  
Elimination of intersegment amounts [member]          
Statement Line Items [Line Items]          
Net interest income 0 0 0 0  
Non-interest income (355) (339) (709) (676)  
Total revenue (355) (339) (709) (676)  
Provision for (recovery of) credit losses 0 0 0 0  
Revenue less provision for credit loss (355) (339) (709) (676)  
Non-interest expenses:          
Salaries and benefits 0 0 0 0  
General and administrative (355) (339) (709) (676)  
Premises and equipment 0 0 0 0  
Noninterest expense (355) (339) (709) (676)  
Income (loss) before income taxes 0 0 0 0  
Income tax provision 0 0 0 0  
Net income (loss) 0 0 0 0  
Total assets (31,774) (18,413) (31,774) (18,413)  
Total liabilities (41,185) (23,776) (41,185) (23,776)  
Net interest income 0 0 0 0  
Non-interest income (355) (339) (709) (676)  
Total revenue (355) (339) (709) (676)  
Provision for (recovery of) credit losses 0 0 0 0  
Revenue less provision for credit loss $ (355) $ (339) $ (709) $ (676)