GRADUATE SCHOOL OF BANKING INC (EIN 391467668) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1945

Legal Domicile

Principal Officer

PAUL KATZ

Phone

6082431945

Tax Period

2024-11-01 to 2025-10-31

GRADUATE SCHOOL OF BANKING INC, founded in 1945, is a community nonprofit that reported $3.6M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Expenses of $4.1M exceeded revenue, resulting in a 14% operating deficit.

Mission

TO SERVE THE ADVANCED MANAGEMENT DEVELOPMENT NEEDS OF PROFESSIONALS AND ORGANIZATIONS IN THE BANKING AND FINANCIAL SERVICES INDUSTRY.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $40,647

Program Service Revenue $3,448,342

Investment Income $39,375

Other Revenue $40,000

TOTAL REVENUE $3,568,364

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,169,941

Fundraising Expenses $0

Program Expenses $2,736,584

Other Expenses $2,891,098

TOTAL EXPENSES $4,061,039

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,568,364	$3,830,250	-0.1%
Expenses	$4,061,039	$4,145,776	0.0%
Net Income	$-492,675	$-315,526	+0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$533,726

Total Directors

$533,726

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL KATZ PRESIDENT	& CEO (EFF. 05/2024)	36.00	Officer Director	$133,327	$832	$148,973
KIRBY DAVIDSON FORMER	PRESIDENT & CEO (TERM 12/2024)	36.00	Officer Director	$287,517	$65,289	$384,753
ADRIAN BEVERAGE	CHAIR	1.00	Officer Director	$0	$0	$0
JENIFER WALLER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
KARLTON ADAM	IMMEDIATE PAST CHAIR	1.00	Officer Director	$0	$0	$0
T RANN PAYNTER	TREASURER	1.00	Officer Director	$0	$0	$0
VICKI KRAAI	MEMBER - CAC CHAIR	1.00	Director	$0	$0	$0
JULIE REDFERN	MEMBER - BAB CHAIR	1.00	Director	$0	$0	$0
BRIAN HUMPHREYS	MEMBER - BAB VICE CHAIR	1.00	Director	$0	$0	$0
LISA YAFFE	MEMBER - CAC VICE CHAIR	1.00	Director	$0	$0	$0
VALLABH SAMBAMURTHY	UW REPRESENTATIVE	1.00	Director	$0	$0	$0
AMBER VAN TIL	MEMBER	1.00	Director	$0	$0	$0
MICHAEL ADELMAN	MEMBER	1.00	Director	$0	$0	$0
RANDY HULTGREN	MEMBER	1.00	Director	$0	$0	$0
BALLARD CASSADY	MEMBER	1.00	Director	$0	$0	$0
DOUG WAREHAM	MEMBER	1.00	Director	$0	$0	$0
JACKSON HATAWAY	MEMBER	1.00	Director	$0	$0	$0
JOE WITT	MEMBER	1.00	Director	$0	$0	$0
LORRIE TROGDEN	MEMBER	1.00	Director	$0	$0	$0
JOHN SORENSEN	MEMBER	1.00	Director	$0	$0	$0
RICHARD BAIER	MEMBER	1.00	Director	$0	$0	$0
RICK CLAYBURGH	MEMBER	1.00	Director	$0	$0	$0
ROSE OSWALD POELS	MEMBER	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$3,568,364	$4,061,039	$612,657	$-492,675
2024	$3,830,250	$4,145,776	$1,193,165	$-315,526
2023	$4,036,446	$3,795,283	$1,525,736	$241,163
2022	$4,080,675	$3,765,113	$1,349,649	$315,562
2021	$3,378,911	$2,576,955	$1,229,337	$801,956
2020	$1,424,788	$2,169,762	$2,009,591	$-744,974
2019	$3,688,836	$3,852,934	$775,779	$-164,098
2018	$3,719,792	$3,818,006	$923,094	$-98,214

GRADUATE SCHOOL OF BANKING INC