Independent Community Banks of North Dakota (EIN 450338033) - 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

1976

Legal Domicile

Principal Officer

Alexis Baxley

Phone

7012587121

Tax Period

2025-01-01 to 2025-12-31

Independent Community Banks of North Dakota, founded in 1976, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2025.

Mission

To provide information, seminars, and education for member banks.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $937,605

Investment Income $22,562

Other Revenue $295,895

TOTAL REVENUE $1,256,062

Expense Breakdown

Grants Paid $0

Salaries & Benefits $869,352

Fundraising Expenses $0

Other Expenses $402,912

TOTAL EXPENSES $1,272,264

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,256,062	$1,227,210	+0.0%
Expenses	$1,272,264	$1,234,935	+0.0%
Net Income	$-16,202	$-7,725	+1.1%

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

$194,819

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jason Johnson-Immediate Past	Chair(Jan-Sept)/Past Chair(Sept-Dec)	1.00	Officer Director	$0	$0	$0
Charlotte Aldinger-Chair Jan-	Sept)/Immediate Past Chair(Sept-Dec)	1.00	Officer Director	$0	$0	$0
Sarah Getzlaff-Chair Elect	(Jan-Sept)/Chair (Sept-Dec)	1.00	Officer Director	$0	$0	$0
Jordan Nelson-Vice Chair	(Jan-Sept)/Chair Elect (Sept-Dec)	1.00	Officer Director	$0	$0	$0
Kris Ahmann-Director	(Jan-Sept)/Vice Chair (Sept-Dec)	1.00	Officer Director	$0	$0	$0
Brad Streifel	Past Chair (Jan-Sept)	1.00	Officer Director	$0	$0	$0
Brenda Foster	Director	1.00	Director	$0	$0	$0
Jared Bullinger	Director	1.00	Director	$0	$0	$0
David Rogstad	Director	1.00	Director	$0	$0	$0
Lindsay Engen Maresh	Director	1.00	Director	$0	$0	$0
Seth Vollmer	Director	1.00	Director	$0	$0	$0
Jared Hanson	Director	1.00	Director	$0	$0	$0
Darwin Bitz	Director (Jan-Sept)	1.00	Director	$0	$0	$0
Dennis Pederson	Director (Jan-Sept)	1.00	Director	$0	$0	$0
John Marchell	Director	1.00	Director	$0	$0	$0
Chris Jundt	Director (Sept-Dec)	1.00	Director	$0	$0	$0
Jared Davidson	Director (Sept-Dec)	1.00	Director	$0	$0	$0
Reggie Soholt	Director (Sept-Dec)	1.00	Director	$0	$0	$0
Alexis Baxley	President	45.00	Officer	$174,227	$20,592	$194,819
Jessie Pfaff	Vice President	37.50	Highest	$110,540	$18,045	$128,585

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	$1,256,062	$1,272,264	$2,278,246	$-16,202
2024	$1,227,210	$1,234,935	$2,061,858	$-7,725
2023	$1,272,353	$1,185,048	$2,061,327	$87,305
2022	$1,197,097	$1,125,081	$2,039,770	$72,016
2021	$1,393,335	$1,081,741	$2,054,460	$311,594
2020	$909,422	$916,476	$1,840,101	$-7,054
2019	$1,124,911	$1,103,559	$1,882,820	$21,352
2018	$1,141,316	$1,067,336	$1,832,014	$73,980

Independent Community Banks of North Dakota