Canada's community banks and credit unions hold the deepest local relationships but the least innovation capacity. They sit on the most trapped liquidity per dollar of assets, because they clear through deferred-net settlement and tier-one correspondent banks with no shared rail of their own. Every one is a candidate to settle atomically, free that liquidity, and plug into a Canada-first marketplace.
| Institution | Type | Prov. | HQ city | Assets (CAD) | Tier | Modelled saving (illus.) | Website |
|---|
Dots are jittered within each province region. Hover for institution name. No external map libraries used.
saving = assets_numeric * rate, where rate = 0.030% for T1 (C$5B+),
0.045% for T2, and 0.060% for T3.
Basis: atomic settlement eliminates intraday overdraft fees, correspondent float, and deferred-net settlement risk capital.
T3 institutions bear a higher rate as a share of assets because clearing cost is proportionally larger relative to balance sheet.
All figures are illustrative only; actual savings depend on payment volumes and configuration.
Source: KCS Capital internal model. See full cost analysis.
Source: This directory and the site itself are built and maintained by KCS Capital, the engineering and research firm developing the 4orm Finance platform. Institution-level public data only; no personal contacts. Run any institution through the sandbox or model its flows in the Money Flows section.
Institution-level fields (name, type, province, HQ city, approximate assets, tier) are compiled from public regulatory registries and the institutions' own disclosures, OSFI (the Office of the Superintendent of Financial Institutions) for federally regulated banks, provincial credit-union regulators and Central 1, and published financial statements, and maintained in the KCS Capital institution directory. Asset figures are approximate and point-in-time. No personal contact data is shown on this site. The trapped-liquidity and clearing dynamics referenced above are drawn from the sources below.
This directory and the site itself are built and maintained by KCS Capital, the engineering and research firm developing the 4orm Finance platform. Institution-level public data only · no personal contacts · a listing is not an endorsement · modelled savings are illustrative · not financial advice.