Note 18 - Operating Segmentation (Tables)

6 Months Ended

Apr. 30, 2026

(thousands of Canadian dollars)
for the three months ended	April 30, 2026
	Digital Banking Canada		Digital Banking USA			Digital Meteor		DRTC			Eliminations/ Adjustments			Consolidated
Net interest income	$	27,768	$	7,911		$	-	$	-		$	-		$	35,679
Non-interest income		373		(15	)		749		1,850			(343	)		2,614
Total revenue		28,141		7,896			749		1,850			(343	)		38,293

Provision for (recovery of) credit losses		495		(67	)		-		-			-			428
		27,646		7,963			749		1,850			(343	)		37,865
Non-interest expenses:
Salaries and benefits		7,343		2,070			172		1,617			-			11,202
General and administrative		13,824		515			42		362			(343	)		14,400
Premises and equipment		947		353			54		530			-			1,884
		22,114		2,938			268		2,509			(343	)		27,486

Income (loss) before income taxes		5,532		5,025			481		(659	)		-			10,379

Income tax provision		1,438		1,437			130		(151	)		-			2,854

Net income (loss)	$	4,094	$	3,588		$	351	$	(508	)	$	-		$	7,525

Total assets	$	5,213,682	$	1,221,182		$	10,688	$	15,773		$	(20,625	)	$	6,440,700

Total liabilities	$	4,926,001	$	961,343		$	370	$	28,344		$	(27,596	)	$	5,888,462

for the three months ended	April 30, 2025
	Digital Banking Canada		Digital Banking USA			Digital Meteor			DRTC			Eliminations/ Adjustments			Consolidated
Net interest income	$	25,525	$	2,507		$	-		$	-		$	-		$	28,032
Non-interest income		122		(18	)		569			1,789			(355	)		2,107
Total revenue		25,647		2,489			569			1,789			(355	)		30,139

Provision for (recovery of) credit losses		954		(65	)		-			-			-			889
		24,693		2,554			569			1,789			(355	)		29,250
Non-interest expenses:
Salaries and benefits		5,836		1,464			253			1,602			-			9,155
General and administrative		5,267		800			343			665			(355	)		6,720
Premises and equipment		947		104			123			467			-			1,641
		12,050		2,368			719			2,734			(355	)		17,516

Income (loss) before income taxes		12,643		186			(150	)		(945	)		-			11,734

Income tax provision		3,443		53			2			(293	)		-			3,205

Net income (loss)	$	9,200	$	133		$	(152	)	$	(652	)	$	-		$	8,529

Total assets	$	4,761,444	$	281,153		$	11,086		$	25,224		$	(31,774	)	$	5,047,133

Total liabilities	$	4,386,758	$	144,517		$	9,029		$	19,708		$	(41,185	)	$	4,518,827

(thousands of Canadian dollars)
for the six months ended	April 30, 2026
	Digital Banking Canada		Digital Banking USA			Digital Meteor		DRTC			Eliminations/ Adjustments			Consolidated
Net interest income	$	54,875	$	14,685		$	-	$	-		$	-		$	69,560
Non-interest income		849		(15	)		1,277		3,825			(689	)		5,247
Total revenue		55,724		14,670			1,277		3,825			(689	)		74,807

Provision for (recovery of) credit losses		1,176		(48	)		-		-			-			1,128
		54,548		14,718			1,277		3,825			(689	)		73,679
Non-interest expenses:
Salaries and benefits		14,006		3,803			378		3,398			-			21,585
General and administrative		21,202		1,314			72		868			(689	)		22,767
Premises and equipment		1,872		628			102		1,078			-			3,680
		37,080		5,745			552		5,344			(689	)		48,032

Income (loss) before income taxes		17,468		8,973			725		(1,519	)		-			25,647

Income tax provision		4,660		2,579			195		(381	)		-			7,053

Net income (loss)	$	12,808	$	6,394		$	530	$	(1,138	)	$	-		$	18,594

Total assets	$	5,213,682	$	1,221,182		$	10,688	$	15,773		$	(20,625	)	$	6,440,700

Total liabilities	$	4,926,001	$	961,343		$	370	$	28,344		$	(27,596	)	$	5,888,462

for the six months ended	April 30, 2025
	Digital Banking Canada		Digital Banking USA			Digital Meteor			DRTC			Eliminations/ Adjustments			Consolidated
Net interest income	$	49,210	$	4,546		$	-		$	-		$	-		$	53,756
Non-interest income		247		(17	)		911			3,778			(709	)		4,210
Total revenue		49,457		4,529			911			3,778			(709	)		57,966

Provision for (recovery of) credit losses		1,987		(74	)		-			-			-			1,913
		47,470		4,603			911			3,778			(709	)		56,053
Non-interest expenses:
Salaries and benefits		11,125		2,628			470			3,546			-			17,769
General and administrative		9,983		1,397			387			1,151			(709	)		12,209
Premises and equipment		1,850		213			171			1,003			-			3,237
		22,958		4,238			1,028			5,700			(709	)		33,215

Income (loss) before income taxes		24,512		365			(117	)		(1,922	)		-			22,838

Income tax provision		6,548		129			2			(513	)		-			6,166

Net income (loss)	$	17,964	$	236		$	(119	)	$	(1,409	)	$	-		$	16,672

Total assets	$	4,761,444	$	281,153		$	11,086		$	25,224		$	(31,774	)	$	5,047,133

Total liabilities	$	4,386,758	$	144,517		$	9,029		$	19,708		$	(41,185	)	$	4,518,827