Note 18 - Operating Segmentation (Tables)

9 Months Ended

Jul. 31, 2026

(thousands of Canadian dollars)
for the three months ended	July 31, 2026
	Digital Banking Canada		Digital Banking USA			Digital Meteor		DRTC			Eliminations/ Adjustments			Consolidated
Net interest income	$	27,472	$	9,301		$	-	$	-		$	-		$	36,773
Non-interest income		93		2			413		1,875			(347	)		2,036
Total revenue		27,565		9,303			413		1,875			(347	)		38,809

Provision for (recovery of) credit losses		5		(234	)		-		-			-			(229	)
		27,560		9,537			413		1,875			(347	)		39,038
Non-interest expenses:
Salaries and benefits		8,527		1,743			192		1,626			-			12,088
General and administrative		9,288		1,249			28		483			(347	)		10,701
Premises and equipment		875		1,009			31		458			-			2,373
		18,690		4,001			251		2,567			(347	)		25,162

Income (loss) before income taxes		8,870		5,536			162		(692	)		-			13,876

Income tax provision		2,291		1,591			48		(114	)		-			3,816

Net income (loss)	$	6,579	$	3,945		$	114	$	(578	)	$	-		$	10,060

Total assets	$	5,513,067	$	1,355,667		$	11,095	$	15,999		$	(20,590	)	$	6,875,238

Total liabilities	$	5,223,535	$	1,084,336		$	321	$	29,407		$	(27,926	)	$	6,309,673

for the three months ended	July 31, 2025
	Digital Banking Canada			Digital Banking USA			Digital Meteor			DRTC			Eliminations/ Adjustments			Consolidated
Net interest income	$	26,656		$	3,123		$	-		$	-		$	-		$	29,779
Non-interest income		(37	)		(7	)		622			1,569			(343	)		1,804
Total revenue		26,619			3,116			622			1,569			(343	)		31,583

Provision for (recovery of) credit losses		1,201			(20	)		-			-			-			1,181
		25,418			3,136			622			1,569			(343	)		30,402
Non-interest expenses:
Salaries and benefits		7,214			1,174			214			1,497			-			10,099
General and administrative		8,636			1,163			47			214			(343	)		9,717
Premises and equipment		898			186			373			376			-			1,833
		16,748			2,523			634			2,087			(343	)		21,649

Income (loss) before income taxes		8,670			613			(12	)		(518	)		-			8,753

Income tax provision		2,150			176			(35	)		(120	)		-			2,171

Net income (loss)	$	6,520		$	437		$	23		$	(398	)	$	-		$	6,582

Total assets	$	5,124,771		$	348,389		$	11,543		$	25,015		$	(32,229	)	$	5,477,489

Total liabilities	$	4,790,738		$	155,228		$	9,491		$	19,410		$	(25,520	)	$	4,949,347

(thousands of Canadian dollars)
for the nine months ended	July 31, 2026
	Digital Banking Canada		Digital Banking USA			Digital Meteor		DRTC			Eliminations/ Adjustments			Consolidated
Net interest income	$	82,347	$	23,986		$	-	$	-		$	-		$	106,333
Non-interest income		942		(13	)		1,690		5,700			(1,036	)		7,283
Total revenue		83,289		23,973			1,690		5,700			(1,036	)		113,616

Provision for (recovery of) credit losses		1,181		(282	)		-		-			-			899
		82,108		24,255			1,690		5,700			(1,036	)		112,717
Non-interest expenses:
Salaries and benefits		22,533		5,546			570		5,024			-			33,673
General and administrative		30,490		2,563			100		1,351			(1,036	)		33,468
Premises and equipment		2,747		1,637			133		1,536			-			6,053
		55,770		9,746			803		7,911			(1,036	)		73,194

Income (loss) before income taxes		26,338		14,509			887		(2,211	)		-			39,523

Income tax provision		6,951		4,170			242		(494	)		-			10,869

Net income (loss)	$	19,387	$	10,339		$	645	$	(1,717	)	$	-		$	28,654

Total assets	$	5,513,067	$	1,355,667		$	11,095	$	15,999		$	(20,590	)	$	6,875,238

Total liabilities	$	5,223,535	$	1,084,336		$	321	$	29,407		$	(27,926	)	$	6,309,673

for the nine months ended	July 31, 2025
	Digital Banking Canada		Digital Banking USA			Digital Meteor			DRTC			Eliminations/ Adjustments			Consolidated
Net interest income	$	75,866	$	7,669		$	-		$	-		$	-		$	83,535
Non-interest income		210		(24	)		1,533			5,347			(1,052	)		6,014
Total revenue		76,076		7,645			1,533			5,347			(1,052	)		89,549

Provision for (recovery of) credit losses		3,188		(94	)		-			-			-			3,094
		72,888		7,739			1,533			5,347			(1,052	)		86,455
Non-interest expenses:
Salaries and benefits		18,339		3,802			684			5,043			-			27,868
General and administrative		18,619		2,560			434			1,365			(1,052	)		21,926
Premises and equipment		2,748		399			544			1,379			-			5,070
		39,706		6,761			1,662			7,787			(1,052	)		54,864

Income (loss) before income taxes		33,182		978			(129	)		(2,440	)		-			31,591

Income tax provision		8,698		305			(33	)		(633	)		-			8,337

Net income (loss)	$	24,484	$	673		$	(96	)	$	(1,807	)	$	-		$	23,254

Total assets	$	5,124,771	$	348,389		$	11,543		$	25,015		$	(32,229	)	$	5,477,489

Total liabilities	$	4,790,738	$	155,228		$	9,491		$	19,410		$	(25,520	)	$	4,949,347